News and Announcements

07/16/2016

The Benefits of Long Term Care Insurance Are Invaluable
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07/16/2016

Responsible Claims Handling Is a Hallmark of the FLTCIP
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04/25/2016

Ensure Mom Has the Care She Needs
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FLTCIP  Privacy Notice

FLTCIP Privacy Notice

John Hancock Life & Health Insurance Company Logo

This notice describes the privacy policy of John Hancock Life & Health Insurance Company (John Hancock) for the Federal Long Term Care Insurance Program (FLTCIP).

This notice refers to John Hancock as "us," "we," or "our," and refers to any other company in the John Hancock family of companies as an "Affiliate." Long Term Care Partners, LLC, which administers the FLTCIP, also follows the same privacy policy.

Why We Need To Know About You

We need to know about you so that we can provide the insurance or other products and services you've asked for. We may also need to know about you to administer your business with us, evaluate claims, process transactions, and run our business.

How We Learn About You

We get most information about you, from you. The information you give us when applying for insurance or services is often all we need.

If we need to verify or get more information, we may need to contact:

  • Health care providers
  • Your employer
  • Other insurers
  • Your family members
  • Consumer reporting agencies

The information may relate to your:

  • Health
  • Employment
  • Finances (for example, your payroll/annuity information for billing)
  • Personal characteristics

It may also relate to other dealings you have had with us or with others, including our Affiliates.

How We Protect Your Information

We treat your information in a confidential manner. Our employees are required to protect your information. They access your information only when there is a reason to do so.

We also have physical and computer standards to protect your information. These standards comply with all applicable laws.

How We Use And Disclose What We Know About You

We may use what we know about you to help us serve you better and to conduct our business. We may use and disclose it for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:

  • Help us evaluate and process your request for insurance or benefits
  • Help us process claims and other transactions
  • Help us administer our products and services
  • Offer you other products or services under the FLTCIP
  • Audit our records or our services (including any audit by the U.S. Office of Personnel Management or the U.S. General Accounting Office)
  • Help prevent or find out about fraud or other crimes (including money laundering and terrorism)
  • Help us run the FLTCIP

Other Reasons We May Disclose What We Know About You Include:

  • Complying with an order of a court or government agency (including a search warrant or subpoena)
  • In the event we are or may be selling all or any part of our business or merging with another company
  • Coordinating benefits with other government programs
  • Informing your health care provider about a medical condition you didn't include on your application
  • Giving your applicable information to someone who has a legal interest in your insurance, such as an individual or entity to whom you have assigned benefits

Information May Be Disclosed To:

  • Other companies, including our Affiliates, that provide services for us or for the FLTCIP
  • Other insurers
  • Law enforcement or regulatory agencies
  • Entities that oversee or audit us or the FLTCIP
  • Consumer reporting agencies

Companies that service the FLTCIP are required to protect your information in the same manner.

How To Get And Correct Your Information

Generally, if you ask us in writing, we will let you review your information. However, we may decide not to give you information we have that relates to an administrative action, lawsuit or claim.

If you tell us that your information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may send us a written statement. We will include your statement in your file and with any future disclosure of your information.

Cookies

A cookie is code either used for the duration of a session (session cookies), or saved within a user's web browser in order to identify that user, or information about that user, the next time the user visits a website (persistent cookies). The Federal Long Term Care Insurance Program (FLTCIP) website may use Tier 1, Tier 2, and Tier 3 cookies as defined in the Office of Management and Budget (OMB) memorandum guidance located at http://www.whitehouse.gov/sites/default/files/omb/assets/memoranda_2010/m10-22.pdf.

The FLTCIP utilizes website usage statistics to assist with improvements to our website and provide a better user experience for those visiting www.LTCFEDS.com. OMB classifies this as a Tier 2 usage since the multi-session web analytics tool employed doesn't collect any personally identifiable information (PII). This technology anonymously tracks how visitors interact with www.LTCFEDS.com, and includes data regarding what sites referred visitors, what pages or files were accessed, and what, if any, predetermined tasks were completed while visiting the site.

Our website analytics are provided by Adobe Site Catalyst/Omniture, and the usage data collected aids optimization of the website. By interpreting usage data, we prioritize tasks, improve the website's user interface, and tailor our content to that which most interests website visitors. No PII is collected via this technology, so the anonymity of the end user remains protected. Any usage data collected will be retained only for as long as needed for analysis and optimization of the website, and this information is accessible only to employees whose position requires it.

Typically, web browsers accept cookies by default, thus, disabling this technology requires manual effort. If you decide to opt-out of this technology completely, you can find step-by-step instructions for changing your web browser settings at http://www.usa.gov/optout_instructions.shtml.

Adobe Site Catalyst/Omniture also has a method that allows users to opt-out of all Adobe Site Catalyst/Omniture cookie technology, which can be found at http://www.omniture.com/en/privacy/product#optout. Note: Opting-out doesn't affect your ability to access content within www.LTCFEDS.com or alter how you view the website.

The FLTCIP may occasionally utilize Tier 3 persistent cookies that permit cross session and website authentication. Where applicable, the use of such technology on www.LTCFEDS.com will prompt users to opt-in and allow Tier 3 cookies prior to engagement. The FLTCIP doesn't utilize persistent cookies that can be accessed by third-party entities.

If You Have Questions

We treat your information in accordance with applicable laws. You may have other rights under other laws, including the Health Insurance Portability and Accountability Act (HIPAA). For additional information about your rights under HIPAA, or, if you have any questions about your privacy rights, please contact:

Long Term Care Partners, LLC
Attn: Privacy Office
100 Arboretum Drive
Portsmouth, NH 03801