When am I eligible to apply for long term care coverage?
For Employees: after the Employee has completed the Waiting Period, the Employee may apply for the first 30 days (a period called the First Enrollment Period) without Evidence of Insurability. After the First Enrollment Period, the Employee may apply at any time, with Evidence of Insurability.
For the Employee’s spouse, and for Family Members: the Employee’s spouse and the Family Members may apply any time after the Waiting Period, with Evidence of Insurability.
The appropriate Benefit Election forms are available from your Plan Administrator.