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If you are a current enrollee, please login to your online account to access the benefit booklet specific to your coverage under the FLTCIP. Unless you are covered under FLTCIP 2.0 , the benefit booklet below does NOT apply to you.

Benefit Booklet: The Federal Long Term Care Insurance Program

Group Policyholder: United States Office of Personnel Management (OPM)
Insurer: John Hancock Life & Health Insurance Company
Federal Long Term Care Insurance Program (FLTCIP) Administrator: Long Term Care Partners, LLC
Group Policy Number: 900-003

• NOTICES
• INTRODUCTION
  • Defined terms
• EFFECTIVE DATE OF COVERAGE - NEW ENROLLEES
  • If you lost your eligibility status before your original effective date
  • If your eligibility status changed before your original effective date
  • Actively at work requirement for employees and members of the uniformed services
• EFFECTIVE DATE OF COVERAGE - EXISTING ENROLLEES
• CONDITIONS FOR PAYMENTS OF BENEFITS
• ELIGIBILITY FOR BENEFITS
  • How to ask us to determine whether you are eligible for benefits
  • Continuing assessment of your eligibility for benefits
  • Notice and review of benefit eligibility decision
• WAITING PERIOD
• COVERED SERVICES
  • Nursing home and assisted living facility
  • Hospice facility
  • Services provided by a formal caregiver at home
  • Services provided by an informal caregiver
  • Hospice care at home
  • Services provided at an adult day care center
  • Stay-at-home benefit
  • Additional Covered Services and Benefits
    • Bed reservations
    • Respite services
    • Alternate plan of care
    • International benefits
• MAXIMUM BENEFIT WE WILL PAY
• CARE COORDINATION SERVICES
• EXCLUSIONS
  • Your coverage does not have a war exclusion
• COORDINATION OF BENEFITS
  • Government programs
• CLAIMS
  • Notice and review of claim determination
• APPEALS
  • Appeals committee
  • Independent third party
  • Exhaustion of the appeals process
• PAYMENT OF BENEFITS
• BENEFIT CHANGES
  • Automatic Compound Inflation option
  • Future Purchase option
  • Other benefit changes (upgrades and downgrades)
• PREMIUMS
  • How benefit changes affect your premium
  • Contingent benefit upon lapse
• GRACE PERIOD
  • Protection Against Unintended Lapse ("PAUL")
• WAIVER OF PREMIUM
• WHEN YOUR COVERAGE WILL END
• PORTABILITY
• CONTINUATION OF COVERAGE
• EXTENSION OF BENEFITS
• REINSTATEMENT OF COVERAGE
• GENERAL PROVISIONS
  • Statements made by you relating to insurability
  • Age
  • No cash surrender value
  • Insurer
  • Right to change contract provisions
  • Interpretation of terms, conditions, and provisions
  • Limits on legal actions
  • Refund of premiums
  • Payments on your death
• DEFINITIONS

Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557)

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