[Code of Federal Regulations]
[Title 5, Volume 2]
[Revised as of January 1, 2004]
From the U.S. Government Printing Office via GPO Access
[CITE: 5CFR875.101]

[Page 419-420]
 
                    TITLE 5--ADMINISTRATIVE PERSONNEL
 
          CHAPTER I--OFFICE OF PERSONNEL MANAGEMENT (CONTINUED)
 
PART 875_FEDERAL LONG TERM CARE INSURANCE PROGRAM--Table of Contents
 
             Subpart A_Administration and General Provisions
 
Sec. 875.101  Definitions.


    This part is written as if the reader were an applicant or enrollee. 
Accordingly, the terms ``you,'' ``your,'' etc., refer, as appropriate, 
to the applicant or enrollee.
    In this part, the terms annuitant, employee, member of the uniformed 
services, retired member of the uniformed services, and qualified 
relative have the meanings set forth in section 9001 of title 5, United 
States Code, and supplement the following definitions:
    Abbreviated underwriting is a type of underwriting that asks fewer 
questions about your health status than with full underwriting to enable 
the Carrier to determine whether your application for coverage will be 
approved. The Carrier may also require review of your medical records, a 
phone interview, or an in-home interview.
    Actively at work means:
    (1) For a Federal civilian or Postal employee, that you meet all of 
the following conditions:
    (i) You are reporting for work at your usual place of employment or 
other location to which Government business requires you to travel;
    (ii) You are able to perform all the usual and customary duties of 
your employment on your regular work-schedule; and
    (iii) You are not absent from work due to sickness, injury, annual 
leave, sick leave or any other leave. (You are not considered to be on 
leave on your alternate work schedule's scheduled day off.)
    (2) For a member of the uniformed services, that you are on active 
duty and are physically able to perform the duties of your position.
    Carrier means a qualified carrier as defined in section 9001 of 
title 5, United States Code, with which OPM has contracted to provide 
long term care insurance coverage under this section. A Carrier may 
designate 1 or more administrators to perform some of its obligations.
    Eligible individual means an annuitant, Federal civilian or Postal 
employee, member of the uniformed services, retired member of the 
uniformed services or qualified relative, as defined in section 9001 of 
title 5, United States Code.
    Enrollee means an eligible individual whose application for coverage 
the Carrier has approved and whose coverage is in effect.
    FLTCIP means the Federal Long Term Care Insurance Program.
    Free look means that within 30 days after you receive the Benefit 
Booklet, you may cancel your coverage if you are not satisfied with it 
and receive a refund of any premium you paid. It will be as if the 
coverage was never issued.
    Full underwriting is the more comprehensive type of underwriting 
under the FLTCIP, which requires that you answer many questions about 
your health status to enable the Carrier to determine whether your 
application for coverage will be approved. The Carrier may also require 
review of your medical records, a phone interview, or an in-home 
interview.
    Stepparent means any person, other than your mother or father, who 
is currently married to one of your parents, or, if one of your parents 
is dead, a person who was married to that parent at the time of that 
parent's death.

[[Page 420]]

    Underwriting requirements means the information about your current 
health status and history and other information that you must provide to 
the Carrier with your application for coverage to enable the Carrier to 
determine your insurability.
    Workforce member means a Federal civilian or Postal employee, member 
of the uniformed services, Federal annuitant, or a retired member of the 
uniformed services, as defined in section 9001 of title 5, United States 
Code.