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LTCFEDS.gov Terms of Service

Please read these Terms of Service, or Agreement, carefully. Your use of LTCFEDS.gov (as defined below) constitutes your consent to this Agreement.

This Agreement is between you and FedPoint®, the trade name for Long Term Care Partners, LLC, concerning your use of (including any access to) LTCFEDS.gov (the Site), together with any materials and services available therein, and successor site(s) thereto. This Agreement hereby incorporates by reference any additional terms and conditions posted by the Company on the Site or otherwise made available to you by the Company. Throughout these terms, FedPoint is referred to as "the Company," "we," and "us."

By using this Site, you affirm that you are of legal age to enter into this Agreement. The services are not directed at individuals under age 18, and we do not knowingly collect personal information from individuals under age 18.

If you're an individual who accesses or uses the Site on behalf of, or for the benefit of, any corporation, partnership, or other entity with which you are associated (collectively, Organization), then you agree to this Agreement on behalf of yourself and such Organization, and you represent and warrant that you have the legal authority to bind such Organization to this Agreement. References to "you" and "your" in this Agreement will refer to both the individual using the Site and to any such Organization.

  1. Changes. We may alter this Agreement from time to time. Any such changes will not apply to any dispute between you and us arising prior to the date on which we posted the revised Agreement incorporating such changes or otherwise notified you of such changes.

    Your use of the Site following any changes to this Agreement will constitute your acceptance of such changes. The revision date below indicates when this Agreement was last changed. We reserve the right, at any time and without liability, to modify or discontinue all or part of the Site (including access to the Site via any third-party links) or offer opportunities to some or all Site users.

  2. Information submitted through the Site. Your submission of information through the Site is governed by the LTCFEDS.gov Privacy Notice, located at LTCFEDS.gov/privacy. You represent and warrant that any information you provide in connection with the Site is and will remain accurate and complete, and that you will maintain and update such information as needed.

  3. Jurisdictional issues. The Site is controlled or operated (or both) from the United States, and it is not intended to subject the Company to any non-U.S. jurisdiction or law. The Site may not be suitable or accessible for use in certain jurisdictions outside the United States. Any use of the Site is at your own risk, and you must comply with all applicable laws, rules, and regulations in doing so. We may limit the Site's availability at any time, in whole or in part, to any person, geographic area, or jurisdiction that we choose.

  4. Rules of conduct. In connection with the Site, you must not:

    • post, transmit, or otherwise make available through or in connection with the Site any materials that are or may be: a) threatening, harassing, degrading, hateful or intimidating, or otherwise fail to respect the rights and dignity of others; b) defamatory, libelous, fraudulent or otherwise tortious; c) obscene, indecent, pornographic, or otherwise objectionable; or d) protected by copyright, trademark, trade secret, right of publicity or privacy or any other proprietary right, without the express prior written consent of the applicable owner
    • post, transmit, or otherwise make available through or in connection with the Site any virus, worm, Trojan horse, Easter egg, time bomb, spyware or other computer code, file or program that is or is potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software, or equipment
    • use the Site for any commercial purpose or for any purpose that is fraudulent or otherwise tortious or unlawful
    • harvest or collect information about users of the Site
    • interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available, including by hacking or defacing any portion of the Site or violating any requirement, procedure, or policy of such servers or networks
    • restrict or inhibit any other person from using the Site
    • reproduce, modify, adapt, translate, create derivative works of, sell, rent, lease, loan, timeshare, distribute, or otherwise exploit any portion of (or any use of) the Site except as expressly authorized herein, without Company's express prior written consent
    • reverse engineer, decompile, or disassemble any portion of the Site, except where such restriction is expressly prohibited by applicable law
    • remove any copyright, trademark, or other proprietary rights notice from the Site
    • frame or mirror any portion of the Site or otherwise incorporate any portion of the Site into any product or service, without the Company's express prior written consent
    • systematically download and store Site content
    • use any robot, spider, site search or retrieval application, or other manual or automatic device to retrieve, index, scrape, data mine, or otherwise gather Site content, or reproduce or circumvent the navigational structure or presentation of the Site, without the Company's express prior written consent

    You're responsible for obtaining, maintaining, and paying for all necessary hardware, as well as all telecommunications and other services required to use the Site.

  5. Products. The Site may make listings, descriptions, and images of goods or services (collectively, Products) available, along with references and links to these Products. Such Products may be made available by the Company or by third parties, and may be made available for any purpose, including general information purposes. The availability through the Site of any listing, description, or image of a Product does not imply our endorsement of such Product or affiliation with the provider of such Product. We make no representations as to the completeness, accuracy, reliability, validity, or timeliness of such listings, descriptions, or images (including any features, specifications, and prices contained therein). Such information and the availability of any Product are subject to change at any time without notice. Certain descriptions are approximate and are for convenience only. It's your responsibility to ascertain and obey all applicable local, state, federal, and foreign laws (including minimum age requirements) regarding the purchase, possession, and use of any Product.

  6. Registration, user IDs, and passwords. You may need to register to use all or part of the Site. We reserve the right to reject or require changes to any user ID, password, or other information you provide during registration. Your user ID and password are for your personal use only and should be kept confidential; you, and not the Company, are responsible for any use or misuse of your user ID or password, and you must promptly notify us of any confidentiality breach or unauthorized use of your user ID, password, or Site account.

  7. Your limited rights. Subject to your compliance with this Agreement, and solely for so long as you are permitted by the Company to use the Site, you may view one copy of any portion of the Site to which we provide you access under this Agreement, on any single device, solely for your personal, noncommercial use.

  8. The Company's proprietary rights. Our trade names, trademarks, and service marks include Long Term Care Partners, LLC®, FedPoint®, and any associated logos. All trade names, trademarks, service marks, and logos on the Site not owned by us are the property of their respective owners. You may not use our trade names, trademarks, service marks, or logos in connection with any product or service that is not ours or in any manner that is likely to cause confusion. Nothing contained on the Site should be construed as granting any right to use any trade names, trademarks, service marks, or logos without the express prior written consent of the owner.

  9. Third-party materials and links. Certain Site functionality may provide access to information, products, services, and other materials from third parties, or allow for the routing or transmission of such third-party materials, including via links. By using such functionality, you are directing us to access, route, and transmit to you the applicable third-party materials. Certain third-party materials may be made available by MetLife Legal Plans, Harvard Health Publishing, or other contributors.

    We neither control nor endorse nor approve, nor are we responsible for, any third-party materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness, or safety of third-party materials or any intellectual property rights therein. Certain third-party materials may, among other things, be inaccurate, misleading, or deceptive. Nothing in this Agreement shall be deemed to be a representation or warranty by the Company with respect to any third-party materials. The views expressed in third-party materials are not necessarily the views of the Company, any affiliated entity (as defined below), John Hancock Life & Health Insurance Company, or the U.S. Office of Personnel Management (OPM). We have no obligation to monitor third-party materials, and we may block or disable access to any third-party materials (in whole or in part) through the Site at any time. In addition, the availability of any third-party materials through the Site does not imply our endorsement of, or our affiliation with, any provider of such third-party materials, nor does such availability create any legal relationship between you and any such provider.

    Your use of third-party materials is at your own risk and is subject to any additional terms, conditions, and policies applicable to such third-party materials (such as terms of service or privacy policies of the providers of such third-party materials).

  10. No financial, health care, legal, tax, or medical advice. The materials and content provided on this Site, including the Care Navigator, health insurance, health care, and medical information, are for educational purposes only and are general in nature and not a substitute for professional health care. Nothing on the Site should be construed as financial, health care, legal, or medical advice. The information provided is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding medical treatment or health insurance.

  11. Communications by electronic means. If you contact us through the Site, you consent to engaging in certain electronic communications with the Company, including, but not limited to, chat and/or electronic mail, or by other electronic means, at the numbers or addresses you provide to us. The Company will not be responsible or liable for any loss or damages you may incur if you communicate confidential or other personal information to the Company by such electronic means or if the Company communicates such information to you by these means at your request or as a reply to a communication sent by you over the same channel. The Company may verify communications or their sources before accepting them, but we're not obligated to do so. We never include your password in these communications, but we may include your name or email address. Anyone with access to your email or mobile device can view these alerts.

  12. Text messaging. By providing your phone number on the Site and opting in to receive text messages, you acknowledge and agree that you are providing prior express written consent to receive text messages (including SMS and MMS) from the Company with the phone number you provided. These messages may include promotional offers, account updates, and other information related to our services. The number of text messages you receive will vary based on your interactions with the Company. Message and data rates may apply to each text message sent or received, as provided in your mobile phone service plan. You may opt out of receiving text messages at any time by replying "STOP" to any message you receive from us. After you send the text message "STOP" to us, we'll send you a reply text message to confirm that you have been unsubscribed. After this, you'll no longer receive text messages from us. If you want to join again, you can sign up as you did the first time, and we'll start sending you text messages again. For the full terms and conditions for SMS and voice messaging, visit SMS and Voice Messaging Terms | FLTCIP.

  13. Disclaimer of warranties. To the fullest extent permitted under applicable law: a) the Site and any Products and third party materials are made available to you on an as is, where is, and where available basis, without any warranties of any kind, whether express, implied or statutory; and b) the Company disclaims all warranties with respect to the Site and any Products and third party materials, including the warranties of merchantability, fitness for a particular purpose, non-infringement, and title. All disclaimers of any kind (including in this section and elsewhere in this Agreement) are made for the benefit of both the Company and its affiliates and their respective members, shareholders, directors, officers, employees, affiliates, agents, representatives, licensors, suppliers, and service providers (collectively, Affiliated Entities), and their respective successors and assigns.

    While we try to maintain the timeliness, integrity, and security of the Site, we do not guarantee that the Site is or will remain updated, complete, correct, or secure, or that access to the Site will be uninterrupted. The Site may include inaccuracies, errors, and materials that violate or conflict with this Agreement.

  14. Limitation of liability. To the fullest extent permitted under applicable law: a) the Company will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind, under any contract, tort (including negligence), strict liability, or other theory, including damages for loss of profits, use of data, loss of other intangibles, even if advised in advance of the possibility of such damages or losses; b) without limiting the foregoing, the Company will not be liable for damages of any kind resulting from your use of or inability to use the Site or from any Products or third-party materials, including from any virus that may be transmitted in connection therewith; c) your sole and exclusive remedy for dissatisfaction with the Site or any Products or third-party materials is to stop using the Site; and d) the maximum aggregate liability of the Company for all damages, losses, and causes of action, whether in contract, tort (including negligence), or otherwise, shall be the total amount of fees paid by you to the Company solely for the right to use the Site in the six-month period immediately preceding the event giving rise to the claim, if any. All limitations of liability of any kind (including in this section and elsewhere in this Agreement) are made for the benefit of both the Company and its Affiliated Entities, and their respective successors and assigns.

  15. Indemnity. To the fullest extent permitted under applicable law, you agree to defend, indemnify and hold harmless the Company and its Affiliated Entities, and their respective successors and assigns, from and against all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including attorneys' fees) arising out of or relating to a) your use of, or activities in connection with, the Site and b) any violation or alleged violation of this Agreement by you.

  16. Termination. This Agreement is effective until terminated. The Company may terminate or suspend your use of the Site at any time and without prior notice, for any or no reason, including if the Company believes that you have violated or acted inconsistently with the letter or spirit of this Agreement. Upon any such termination or suspension, your right to use the Site will immediately cease, and the Company may, without liability to you or any third party, immediately deactivate or delete your username, password, account, and all associated materials, without any obligation to provide any further access to such materials. Sections 2-6 and 8-20 shall survive any expiration or termination of this Agreement.

  17. Governing law and jurisdiction. This Agreement is governed by and shall be construed in accordance with the laws of the State of New Hampshire, USA, without regard to its principles of conflicts of law and regardless of your location. You agree to the exclusive jurisdiction of the federal and state courts located in Rockingham County, NH, USA, and waive any jurisdiction, venue, or inconvenient forum objections to such courts.

  18. Information or complaints. If you have a question or complaint regarding the Site, please contact us by visiting the Contact Us page, choosing "Email Us," then selecting "Website Accessibility" from the subject dropdown menu, or by writing to FLTCIP, Attn: FedPoint, P.O. Box 797, Greenland, NH 03840-0797. Please note that email communications will not necessarily be secure; accordingly, you should not include credit card information or other sensitive information in your email correspondence with us.

  19. Copyright infringement claims. The 1998 Digital Millennium Copyright Act (DMCA) provides recourse for copyright owners who believe that material appearing on the internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send to the Company a written notice by mail or email, requesting that the Company remove such material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send to the Company a counter-notice. Notices and counter-notices must comply with the then-current statutory requirements of the DMCA. See copyright.gov for details.

    FedPoint, the Company, is a wholly owned subsidiary of John Hancock Life & Health Insurance Company. Notices and counter-notices must be sent in writing to our copyright agent listed below, who is designated pursuant to the Digital Millennium Copyright Act, 17 USC § 512(c)(2), with the following information:

    • your address, phone number, and/or email address
    • identification of the allegedly infringing material that is to be removed or disabled, and information reasonably sufficient to permit us to locate the material (including, if possible, a link to the material)
    • identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works
    • a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
    • a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed
    • a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed

    FedPoint's copyright agent for notice of claims of copyright infringement contact information:

    Carmela D'Amico
    John Hancock Life Insurance Company
    200 Berkeley Street
    Boston, MA 02116
    *Phone: 1-617-572-9167
    *Email: cdamico@jhancock.com

    *This information is only for communications relating to DMCA notices. We suggest that you consult your legal advisor before filing a DMCA notice or counter-notice.

    We reserve the right to terminate, limit, or suspend any user's access to the Site for repeated infringing activity.

  20. Export controls. You are responsible for complying with U.S. export controls and for any violation of such controls, including any U.S. embargoes or other federal rules and regulations restricting exports. You represent, warrant, and covenant that you are not a) located in, or a resident or a national of, any country subject to a U.S. government embargo or other restriction, or that has been designated by the U.S. government as a terrorist-supporting country, or b) on any of the U.S. government lists of restricted end users.

  21. Miscellaneous. This Agreement does not, and shall not be construed to, create any patient-provider, partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and the Company. If any provision of this Agreement is found to be unlawful, void, or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. You may not assign, transfer, or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent. We may assign, transfer, or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default under this Agreement will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption, or section title contained herein is for convenience only, and in no way defines or explains any section or provision. All terms defined in the singular shall have the same meanings when used in the plural, where appropriate and unless otherwise specified. Any use of the term "including" or variations thereof in this Agreement shall be construed as if followed by the phrase "without limitation." This Agreement, including any terms and conditions incorporated herein, is the entire agreement between you and the Company relating to the subject matter hereof and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and the Company relating to such subject matter. Notices to you (including notices of changes to this Agreement) may be made by posting to the Site, by email (including in each case via links), or by regular mail. Without limitation, a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based on or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. The Company will not be responsible for any failure to fulfill any obligation due to any cause beyond its control.

  22. Financial exploitation (abuse) of older persons or adults with disabilities. Some of the most vulnerable people in our society are older persons (defined as those above the age of 60) and adults with disabilities. At FedPoint, we are committed to helping to protect these individuals. If you suspect that an older person or adult with disabilities is a victim of financial exploitation, please contact the National Center on Elder Abuse, your local Department of Family Services, or your local Law Enforcement Agency.

Site © 2002-2026 FedPoint® unless otherwise noted. All rights reserved.

Revised April 2026

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