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Purpose of Outline of Coverage
This outline provides a brief description of the most important features of coverage available under the Federal Long Term Care Insurance Program (FLTCIP). Since all long term care insurers are required to issue outlines of coverage, you should compare this outline to outlines of coverage for other policies you may be considering. This outline is not an insurance contract, but only a summary of coverage. If you apply for coverage and are approved, the Benefit Booklet and the Schedule of Benefits will contain the governing contractual provisions that relate specifically to YOU. Other rights are contained in the Group Policy that OPM has with us. OPM has reviewed and approved this outline to assure its accuracy. If you apply for the coverage offered under the FLTCIP and your application is approved, you will automatically receive a copy of the Benefit Booklet. It is important that you READ YOUR BENEFIT BOOKLET CAREFULLY!
Throughout this outline "we," "us," and "our" means John Hancock Life & Health Insurance Company.