FLTCIP Privacy Notice

This notice describes the privacy policy of Long Term Care Partners, LLC for LTCFEDS.com, the authorized website for the Federal Long Term Care Insurance Program (FLTCIP). The FLTCIP is sponsored by the U.S. Office of Personnel Management (OPM) and administered by Long Term Care Partners, LLC (LTCP) on behalf of the insurer, John Hancock Life & Health Insurance Company (John Hancock). This notice refers to LTCP as "us," "we," and "our," and to any other company in the John Hancock family as an "affiliate."

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 have asked for. We may also need to know about you to administer your business with us, evaluate claims, process transactions, and share marketing or administrative communication with you. You may opt out or unsubscribe from our marketing communications at any time.

How We Learn About You
We get most information about you, from you. The information you give us when you apply 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 pay or retirement pay information for billing)
  • personal characteristics
  • contact information such as your email address, phone number, and user name

The information may also relate to other dealings you have had with us or with others, including our affiliates.

How We Protect Your Information
We maintain information protection controls in accordance with industry standards and practices, as well as guidelines set forth by the U.S. federal government. Protection of your data is a core component of our service to you. We have administrative, technical, and physical safeguards to protect your information.

These safeguards comply with all applicable laws. As part of the Health Insurance Portability and Accountability Act (HIPAA), we restrict access to information to those individuals in our organization who require that access in order to provide products and services to you. Our associates are educated regarding their responsibility to protect your privacy utilizing clear guidelines.

All of the personal information you entrust to FLTCIP resides in the United States of America in a secure system behind multiple layers of security, where it cannot be accessed without proper authorization.

Companies that service the FLTCIP on our behalf are required to handle your information in the same manner.

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
  • keep your account secure and protect against unauthorized transactions
  • offer you other products or services regarding federal benefit programs
  • audit our records or our services (including any audit by OPM or the U.S. Government Accountability 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)
  • 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 did not 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.

Other websites
The FLTCIP website may contain links to other websites. We are not responsible for the privacy practices nor the content of these other websites. Users should review the privacy notices of these other sites to understand their policies. It is the responsibility of the user to keep personal information private and confidential.

How to Get and Correct Your Information
You may access your account information in several ways: the web, by phone, and by mail. Specific addresses and telephone numbers are listed on LTCFEDS.com and on our correspondence.

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.

A cookie is code, used either 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). LTCFEDS.com may use Tier 1 and Tier 2 cookies as defined in the Office of Management and Budget (OMB) memorandum guidance.

LTCFEDS.com utilizes website usage statistics to assist with improvements to our website and provide a better user experience for those visiting LTCFEDS.com. OMB classifies this as a Tier 2 usage since the multisession web analytics tool employed does not collect any personally identifiable information (PII). This technology anonymously tracks how visitors interact with 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.

The usage data collected by our website analytics tool aid 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, follow USA.gov's instructions to change your browser settings.

Note: Opting out does not affect your ability to access content within LTCFEDS.com or alter how you view the website.

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
P.O. Box 797
Greenland, NH 03840-0797

Revised December 2023