Important Notice Regarding the Federal Long Term Care Insurance Program Premium Rate Increase and Lapse History

FLTCIP Rate Increase History
Since 2002, John Hancock Life & Health Insurance Company has offered long term care insurance coverage to eligible members of the Federal family. In the past 10 years, we have raised rates for the FLTCIP inforce benefit booklet series as defined in this document.

FLTCIP Lapse History
For the purpose of this notification, a lapse is the cancellation of coverage due to the non-payment of premiums. Lapse rates can be an important component of the pricing of long term care insurance plans. This document contains the FLTCIP average lapse history.

Close this window