The Federal Long Term Care Insurance Program

Sponsored by the U.S. Office of Personnel Management and Offered by John Hancock and MetLife

FED00043(0602) Group Policy Numbers: 900-001,900-002

See why the Federal Long TermCare InsuranceProgram can be a smart choice for your future!

Act Smart! Get a FREE Open SeasonInformation Kit and an Application. Mail the Enclosed Open SeasonInformation Request Form Today.Or, call 1-800-LTC-FEDS(1-800-582-3337) (TDD 1-800-843-3557) or visitwww.LTCFEDS.com.Please Note: You have to request an Open SeasonInformation Kit and application even if you have previously requested other information on the Program. Also, the application for Open Season isdifferent from Early Enrollment. Even if you still have an Early Enrollment application and want to apply, you will need to request an Open SeasonInformation Kit for a new application. Be sure to read all of the information provided in your Open Season Information Kit so that you understand the terms of the coverage before you decide to apply.The Federal Long Term Care Insurance Program is administered by Long Term Care Partners, LLC, and offered by:John Hancock Life Insurance Company, Boston, MA 02117Metropolitan Life Insurance Company, New York, NY 10010

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OPEN SEASON IS HERE
WHY

do many financial advisorsrecommend long term careinsurance?Whatever your age, long term care insurance can be oneof the best and most economical ways to help pay forlong term care, should you ever require it. If you are under age 45:Younger individuals should consider purchasing longterm care insurance because premiums are the mostaffordable at younger ages. At age 40, the biweeklypremium for a plan that covers home and facilities careand keeps pace with inflation is $30.05.* And unlikeinvestments which can take years to grow, long term careinsurance can provide support shortly after yourcoverage becomes effective. That could be veryimportant to your financial health should a suddenillness or injury strike. If you are between the ages of 45 and 59: Securing long term care insurance today can help ensurethat you won’t need to rely on your children or otherfamily members should you need long term care. Andyou can still take advantage of low premiums. At age 50,the biweekly premium for a plan that covers home andfacilities care and keeps pace with inflation is $43.06.*Plus, if you are in good health now, you could avoid therisk of being turned down later if your healthdeteriorates.If you are age 60 and over: Because your odds of needing long term care are highernow, there is no better time to consider purchasing longterm care insurance. Doing so can help protect the nestegg you worked so hard to build, should you need care.You’ll have a greater ability to make your own decisionsabout long term care.*Comprehensive Plan with $150 daily benefit amount, 3-year benefit

period, 90-day waiting period and automatic compound inflation option.

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GREAT

REASONS

to request information on the Federal Long TermCare Insurance ProgramNo matter what your age, it pays to consider theadvantages of having long term care insurance. As a member of the Federal Family, you’ll be pleased toknow that there is now high quality long term careinsurance available to the Federal Family duringOpen Season. It gives you a number of advantagesyou may not find in other plans: 

1 The Program Is Sponsored by the U.S.

Office of Personnel Management (OPM)and Backed by Two Leading Insurers! 

OPM has listened carefully to members of theFederal Family — and worked carefully with John Hancock and MetLife — to offer the kind of benefits and features that would be most valuable to you. John Hancock and MetLife havebeen offering long term care insurance for almost 15 years and have a strong history of rate stability.

2 You Can Save with Group Premiums! 

Thanks to the combined buying power of theFederal Family and negotiations by OPM, you cantake advantage of group premiums that could saveyou money over other plans.

3 Care Provided by Family and Friends 

Is Covered! 

Known as “informal care,” this feature can give youextra control in determining where you receive careand from whom. It can broaden your choice ofcaregivers. Care is covered from family, friends andother non-licensed caregivers who don’t normallylive with you at the time you become eligible forbenefits. Care provided by family members iscovered for up to 365 days in your lifetime.

4 You’re Covered in the U.S. and Abroad!

Because this Program was designed for members ofthe Federal Family, it addresses the needs of thosewho may require care in a country outside the U.S.