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Who is eligible to apply for federal long term care insurance?

By Compuquotes Team on March 27th, 2008

Long Term Care

Long term care insurance has been around for over three decades in many different forms, usually available from insurance companies. However, the Federal Long Term Care Insurance Program is also available, but many people don't know who is eligible to apply for this insurance. While the Federal program is great, you may not be eligible and even then, it may not cover your overall long term care costs.

There are several groups of people who are eligible to apply for Federal long term care insurance. Employees and annuitants of the Federal government, as well as retired members of uniformed services and their qualified relatives are eligible. More specifically, these categories are broken down as such:

  • Employees that are eligible for the Federal Employees Health Benefit program, even if they are not enrolled in the program.
  • Employees of the US Postal Service that are that are eligible for the Federal Employees Health Benefit program, even if they are not enrolled in the program.
  • Active members of uniformed services, on active duty or full time National Guard duty for a period longer than 30 days.
  • Active members of the Selected reserve.
  • Tennessee Valley Authority that are eligible for the Federal Employees Health Benefit program, even if they are not enrolled in the program.
  • Washington D.C. Government employees who were employed before Oct. 1, 1987.
  • DC Courts employees
  • Navy Personnel Command NAF employees.
  • Federal annuitants including surviving and deferred annuitants.
  • US Postal Service annuitants including surviving and deferred annuitants.
  • Retired members of uniformed service who are entitled to retainer or retired pay.
  • Retired Grey Reservists.
  • Separated employees with a title to a deferred annuity.
  • Tennessee Valley Authority annuitants
  • People receiving compensation from the department of labor.

Washington D.C. Government annuitants whose employees who were employed before Oct. 1, 1987.

  • DC Courts annuitants
  • Navy Personnel Command NAF annuitants.

For the annuitants, if you're a qualified relative of one of the people listed above, you can apply for the federal long term care insurance program, even if the employee does not apply, or if they've been denied coverage. Qualified relatives include:

  • Spouses of the employees listed above.
  • Spouses of annuitants listed above.
  • The spouses of active and retired members of uniformed services who get a Federal survivor annuity
  • Parents, parents in law, and step parents of living employees listed above, except for retired members of the uniformed services.
  • Children, biological, adopted or step children of employees or annuitants listed above.

As you can see by this list, not everyone is eligible for the long term care insurance coverage offered by the Federal Government. Even such, for those that are eligible, the benefits may not be enough to cover the costs of long term care in the future, or eligibility may change. It's still beneficial for everyone, even those who qualify for the federal long term insurance program to have their own long term care insurance plan in place, should anything change. Remember, it's much less expensive if you're younger and get your long term care insurance policy in place, than it is when you are older.

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