Who is Eligible to Apply for this Insurance?

Employees | Annuitants | Qualified Relatives

Many members of the Federal family are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP) including Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and qualified relatives. Check the lists below to see if you are eligible to apply for coverage:

Employees

  • Federal employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB)
  • U.S. Postal Service (USPS) employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB)
  • Active Members of the Uniformed Services who are on active duty or full-time National Guard duty for more than 30 days
  • Active Members of the Selected Reserve (Members of the Individual Ready Reserve are NOT eligible to apply)
  • Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
  • D.C. Government employees first employed by the D.C. Government on or before October 1, 1987
  • D.C. Courts employees
  • Navy Personnel Command (BUPERS) NAF employees

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Annuitants

  • Federal or USPS annuitants, including survivor and deferred annuitants
  • Retired Members of the Uniformed Services who are entitled to retired or retainer pay
  • Retired "Grey" Reservists, even if they are not yet receiving their retired pay
  • Separated employees with title to a deferred annuity, even if they are not yet receiving that annuity
  • Tennessee Valley Authority annuitants
  • Compensationers receiving compensation from the Department of Labor
  • D.C. Government annuitants first employed by the D.C. Government before October 1, 1987
  • D.C. Courts annuitants
  • Navy Personnel Command (BUPERS) NAF annuitants

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Qualified Relatives

If you are a qualified relative as described below, you can apply even if the person you are related to does not apply, or even if the person you are related to applies but is not approved for coverage.

  • Spouses of employees listed above
  • Spouses of annuitants listed above
  • Same-sex domestic partners of Federal or U.S. Postal Service employees or annuitants who have submitted (either directly or through their partner) a form affirming this status to the partner's employing agency or retirement system. This does not include a same-sex domestic partner of an active or retired member of the uniformed services.
  • Surviving spouses of active and retired members of the uniformed services who are receiving a Federal survivor annuity or who received a basic employee death benefit under the Federal Employees Retirement System. Your qualified relatives are also eligible to apply.
  • Parents, parents-in-law, and stepparents of living employees listed above (Parents, parents-in-law, and stepparents of annuitants and retired members of the uniformed services are NOT eligible)
  • Adult children (at least 18 years old, including adopted or step children) of living employees or annuitants listed above

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