It May Never Be Easier to Apply to the FLTCIP
Responsible Claims Handling Is a Hallmark of the FLTCIP
It's Always a Good Time to Apply to the FLTCIP
Long term care is not just for the elderly! Think you're too young?
Nearly 41% of long term care is provided to people under age 65."
- Georgetown University Long-Term
Care Financing Project,
Long-Term Care Financing:
Policy Options for the Future,
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:
The information may relate to your:
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:
Other Reasons We May Disclose What We Know About You Include:
Information May Be Disclosed To:
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.
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