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  1. This book, including the outline of coverage, is not an insurance contract, but a summary of certain information regarding the Federal Long Term Care Insurance Program (FLTCIP) coverage.

  2. Thank you for your participation in the Federal Long Term Care Insurance Program (FLTCIP). For FLTCIP enrollees who have met the conditions for benefit eligibility, this brochure is intended to …

  3. Thank you for your participation in the Federal Long Term Care Insurance Program (FLTCIP). For FLTCIP enrollees who have met the conditions for beneft eligibility, this brochure is intended to assist …

  4. The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, under a group long term …

  5. The need for long term care can arise from injury or illness at any age—the Federal Long Term Care Insurance Program offers protection and support when it’s needed the most.

  6. We have designed the Group Policy so that benefits you receive under the Federal Long Term Care Insurance Program (FLTCIP) should be tax-free. Please remember that tax laws can change and to …

  7. The Group Policy, including this Benefit Booklet, is designed to be a qualified long term care insurance contract under Section 7702B(b) of the Internal Revenue Code of 1986, as amended.

  8. The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, under a group long term …

  9. The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, under a group long term …

  10. Did you know that as part of your federal benefits, you and your qualified relatives are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP)?