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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On-Demand Webinars

On-Demand Webinars

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View upcoming and live webinars for more information.
On-demand webinars can be viewed at anytime by clicking the register links below.

Benefits planning into retirement

Midcareer Planning Checklist

If you're like most people, when you plan your summer vacation, you make a list of what you need to do and bring, so you don't forget anything important. You should treat your retirement planning the same way. Join Tammy Flanagan of the National Institute for Transition Planning as she shares her midcareer checklist to help you evaluate your goals, get on track now for a successful retirement, and protect your retirement against rising health and long term care costs.
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Retirees' Top Three Mistakes in Retirement

Many Federal annuitants may wish they had a better understanding of how retirement benefits are taxed, how to calculate retirement cash flow, and how to effectively plan for life's detours. Join Tammy Flanagan of the National Institute of Transition Planning; Micah Shilanski, CFP; and FLTCIP representatives as we discuss the steps you can take now to help protect your lifestyle in the future.
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Piecing Together Your Personal Retirement Puzzle

What are the pieces of your Federal retirement puzzle, where do they fit, and how do they work together? What are the key decisions you can make now to ensure a smoother transition into retirement? Join Tammy Flanagan of the National Institute for Transition Planning and Federal Long Term Care Insurance Program (FLTCIP) representatives as we review the elements of a successful retirement, and learn how to protect it against rising health and long term care costs.
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FERS Retirement (Part 1): Balancing the Three-Legged Stool

There are three components of the Federal Employees Retirement System (FERS): Social Security, a basic benefit annuity, and the Thrift Savings Plan (TSP). Join Federal Benefits Specialist Joanne McGehrin and Federal Long Term Care Insurance Program (FLTCIP) representatives as we identify eligibility requirements for full, unreduced retirement; describe the three components of the retirement system; and review the importance of TSP participation to supplement FERS basic benefits and Social Security.
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FERS Retirement (Part 2): Balancing the Three-Legged Stool

There are three components of the Federal Employees Retirement System (FERS): Social Security, a basic benefit annuity, and the Thrift Savings Plan (TSP). Join Federal Benefits Specialist Joanne McGehrin and Federal Long Term Care Insurance Program (FLTCIP) representatives as we provide tools for estimating and protecting your future retirement benefits, review coordination of these benefits, and discuss strategies to plan for your future.
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Investment planning

Investments at Any (St)age

Many Federal employees plan for retirement using their Federal Employees Retirement System (FERS) or Civil Service Retirement System (CSRS) annuity, Social Security benefits, and the Thrift Savings Plan (TSP). But is this enough? How can you help ensure that your investment mix supports your retirement goals, now and in the future? Join Karen Schaeffer, CFP, of the National Institute for Transition Planning and Federal Long Term Care Insurance Program (FLTCIP) representatives as we detail various investment funding strategies for any age or stage in life, and how to protect your retirement from unexpected pitfalls.
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Retirement: Do You Have What It Takes?

Do you have everything in place for your retirement? Join Federal Benefits Specialist Joanne McGehrin and Federal Long Term Care Insurance Program (FLTCIP) representatives as we identify eligibility requirements for full, unreduced retirement; describe the three components of the Federal Employees Retirement System (FERS); and review the importance of Thrift Savings Plan (TSP) participation to supplement FERS basic benefits and Social Security.
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Options and Implications of Military Service on Federal Civil Service (CSRS or FERS) Retirement

Are you a Federal employee with prior military service? Learn about considerations and the process for making military deposits. Explore the differences between how an active duty retirement, reserve component retirement, or military service not leading to a retirement can impact your civil service pension. Join Federal Long Term Care Insurance Program (FLTCIP) representatives and Deborah Hatch of Pinnacle Personnel Services, LLC, as they discuss the options, implications, and benefits available to you for your prior military service.
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Social Security



Medicare



Long term care

Got Bounce? Explore the Process of Resilience

At birth, we should all be issued a set of heavy-duty shock absorbers with detailed instructions on how and when to use them. Unfortunately, that's not the case. As human beings, we will experience highs and lows throughout life, and the transitions between the peaks and valleys can be challenging. It's during these times that resilience—the ability to bounce back from adversity—becomes particularly important. Resilience is not always an inherent trait, but develops through a process of adaptation. Please join us to explore the various factors that contribute to resilience. To meet the most daunting challenges of life, you gotta have bounce!
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Longevity: Pros and Cons

Currently in the United States, both men and women are expected to live into their eighties. This represents an increase in life expectancy of approximately 30 years over the past century. The increased longevity is due in part to advances in medical technology, improved hygiene, and the development and availability of effective medications. Fabulous news, right? Perhaps. The blessing of a longer life often depends on how we age. Longer is not always better, but there are steps you can take that may help to improve the experience. Please join us to discuss the process of aging and to learn how you can enhance the quality of your life once you reach your golden years.
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The Costs of Aging

What are the costs associated with aging? If you are like most people in the United States, your thoughts may turn to health care costs, which seem to increase every year. During this session, we'll explore the current and anticipated financial costs associated with aging and illness and how to prepare for the future. We'll also discuss some less tangible "costs" such as the personal, emotional, spiritual, and relational losses you may face, so that you'll be better able to manage them.
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The FLTCIP (Part 1 of 2): Why Should I Plan for My Own Long Term Care?

This webinar explores the realities of long term care and family caregiving. We also review possible long term care funding options (and their tradeoffs) such as Medicaid and investing.
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The FLTCIP (Part 2 of 2): Protecting Your Retirement with a Plan for Long Term Care

This webinar includes a thorough review of the benefits and features of the FLTCIP plan.
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What's Your Long Term Care IQ?

Join Federal Long Term Care Insurance Program (FLTCIP) Consultant Leo Muise as he discusses common areas of confusion when planning for long term care needs. Participate in an interactive quiz with live question-and-answer session to see how your expertise stacks up to your colleagues'—and reality. Plus, learn how to craft a long term care plan.
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Navigating the Long Term Care Maze

Caregiving can be one of the most stressful situations a family can face. Is your family prepared? Join Dan Trahan, FLTCIP Manager of Care Coordination, as he hosts an open discussion on the many stages of caregiving and the issues caregivers face when they provide long term care for a loved one. FLTCIP representatives will also share helpful resources and details about the Federal Long Term Care Insurance Program's caregiving benefits and features.
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Misconceptions about Long Term Care Programs

Many families wonder how they will pay for long term care—whether it's for themselves or their parents. Join Harley Gordon of the National Academy of Elder Law Attorneys and Federal Long Term Care Insurance Program (FLTCIP) representatives as we explore public and partnership programs, as well as private options that may be available for funding long term care services and support should it become necessary.
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Other federal benefits

FEDVIP: Understanding Your Coverage and Navigating Changes

Did you experience a qualifying life event (QLE) outside of open season this year? Join us as we discuss the coordination of benefits and the actions you should take if you're making changes to your Federal Employees Dental and Vision Insurance Program (FEDVIP) plan outside of open season, including eligible QLEs, enrolling outside of open season, and keeping it all straight using your personal My BENEFEDS account.
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View upcoming and live webinars for more information.

The opinions and views expressed at these presentations are the opinions of the respective presenters and are not intended by John Hancock Life & Health Insurance Company or Long Term Care Partners, LLC, to represent legal or investment advice.


Apply today

Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

apply now