LTCFEDS.gov Privacy Notice

Why we need to know about you

We collect information about you, including personal information, to administer your FLTCIP insurance and other services, including your coverage or claims if you're eligible for benefits. We obtain most of this information directly from you when you interact with us, and we limit it to what is necessary for conducting business. For example, when we provide services to you, we may collect demographic, payroll, banking, and insurance data. The information you provide when applying for insurance or contacting us via forms, phone, or email is often all we need.

If we need to verify or get more information, we may need to contact third parties, such as:

• your health care provider(s)
• your employer
• your authorized representatives

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

Technical information we collect about you

We may collect and use technical and navigational information, such as browser type, Internet Protocol (IP) address, pages viewed, and average session duration, to enhance the design and functionality of our website. We do this to provide you with better service. We use this data only in an aggregated form.

How we use and disclose your personal information

We may share the information we collect about you to better serve you and conduct our business. We may use and disclose it for any purpose allowed by law. For example, we may use and share your information with others to help us:

• evaluate and process your request for insurance or benefits
• process claims and other transactions
• administer our products and services
• communicate with you by email, phone call, and/or text message, including to inform you about the products and services under the FLTCIP
• keep your account secure and protected against unauthorized transactions
• offer you other products or services for other federal benefits programs
• audit our records or services (such as by OPM or the U.S. Government Accountability Office)
• prevent or identify fraud or other crimes (e.g., money laundering)
• anonymize and aggregate personal data that doesn't identify you or anyone else, using it for our own business purposes
• respond to your requests or inquiries, comply with certain regulatory obligations, and use it for analytics and quality assurance purposes

Reasons we may disclose what we know about you include:

• fulfilling our legal and compliance obligations, such as complying with a court or government agency order (e.g., a subpoena)
• reorganizing, in cases such as bankruptcy, mergers, sales, joint ventures, or other transfers of all or part of our business, assets, or stock
• informing your health care provider about a medical condition you didn't provide in 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

Where information may be disclosed:

• other companies, including our Affiliates and businesses that offer services for us or the FLTCIP (including professional advisors and service providers that provide hosting, information technology, customer support, email and text message communications delivery, and analytics services)
• insurers
• law enforcement or regulatory agencies
• entities that oversee or audit us or the FLTCIP

Other websites

This Site may contain links to third-party websites. We're not responsible for the privacy practices or the content of these other websites. Users should review the privacy notices of these other sites to understand their policies. It's the user's responsibility to keep personal information private and confidential.

How to access and correct your information

It's important to us that you can access and review your account information and make any necessary corrections. Create or sign in to your My LTCFEDS account to manage the information we have on file for you. If you have any questions about accessing your account, please call Customer Service at 1-800-LTC-FEDS (1-800-582-3337) TTY 711.

Marketing options

You may opt out of or unsubscribe from our nonadministrative marketing communications (including promotional and educational email campaigns) at any time by following the unsubscribe instructions in any such message. We'll comply with your request(s) as soon as reasonably practicable. Please note that you may not opt out of or unsubscribe from administrative communications.

No mobile numbers will be shared with third parties or affiliates for marketing or promotional purposes. The above disclosure categories exclude text messaging originator opt-in data and consent. This information will not be shared with third parties.

Fake messages

To protect yourself, do not trust any unsolicited phone call, email, or text message that asks for your personal information. Fraudsters can make phone numbers and messages appear to come from legitimate sources, including FedPoint, and may include links, QR (quick response) codes, or instructions that direct you to a website designed to trick you into revealing information. If you receive a suspicious message that appears to be from FedPoint, do not reply, open any attachment, or click any link. Instead, contact us directly to confirm the legitimacy of the message you received.

Cookies and other tracking technologies

Cookies and other tracking technologies are used to remember a user's online interactions with a website, allowing for the measurement and analysis of usage to customize the user's experience. A cookie is code used either for the duration of a session (session cookies) or saved within a user's web browser to identify that user or information about that user the next time a user visits a website (persistent cookies). The Site may use Tier 1 and Tier 2 technologies as defined in the Office of Management and Budget (OMB) memorandum guidance.

FedPoint uses website usage statistics to improve our Site and enhance the user experience for visitors. OMB classifies this as 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 the Site, including data on which websites referred visitors, which pages or files were accessed, and whether any predetermined tasks were completed during their visit.

The usage data collected by our website analytics tool helps optimize the Site. By analyzing usage data, we prioritize tasks, enhance the Site's user interface, and tailor our content to what interests visitors the most. No PII is collected through this technology, ensuring the end user's anonymity. Any usage data collected will be retained only for as long as necessary for the analysis and optimization of the Site, and this information will be accessible only to employees whose positions require it.

Typically, web browsers accept cookies and other tracking technologies by default; thus, turning off 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.

We also use Google Analytics, which uses cookies and similar technologies to collect and analyze information about how our Services are used and to report on activities and trends. This service may also collect information regarding the use of other websites, applications, and online services. You can learn about Google's practices by going to https://policies.google.com/privacy and exercising the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

Note: Opting out of cookies doesn't affect your ability to access content within the Site or alter how you view it.

Security

We maintain information protection controls in accordance with industry standards and practices, as well as U.S. federal government guidelines. Protection of your data is a core component of our service to you. We have administrative, technical, and physical safeguards to protect your information. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately.

As part of the Health Insurance Portability and Accountability Act (HIPAA), we restrict access to information to those individuals within our organization who require it to provide products and Services for you. Our associates are educated on their responsibility to protect your privacy through clear guidelines.

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

Companies that service the FLTCIP and the other programs administered by FedPoint on our behalf are required to handle your information in the same manner.

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: