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PRIVACY NOTICE

This notice describes the privacy policy of John Hancock Life Insurance Company (John Hancock) and Metropolitan Life Insurance Company (MetLife) for the Federal Long Term Care Insurance Program (Federal Program).

John Hancock and MetLife follow the same policy for protecting any/all of your information we may have under the Federal Program. This notice refers to each company as “us”, “we”, or “our”, and refers to any other company in either the John Hancock or MetLife family of companies as an “Affiliate”. Long Term Care Partners, LLC, which administers the Federal Program, also follows the same privacy policy.

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:

• Health care providers
• Your employer
• Other insurers
• Your family members
• Consumer reporting agencies

The information may relate to your:

• Health
• Employment
• Finances (for example, your payroll/annuity information for billing)
• Personal characteristics

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:

• Help us evaluate and process your request for insurance or benefits
• Help us process claims and other transactions
• Help us administer our products and services
• Offer you other products or services under the Federal Program
• Audit our records or our services (including any audit by the U.S. Office of Personnel Management or the U.S. General Accounting Office)
• Help prevent or find out about fraud or other crimes (including money laundering and terrorism)
• Help us run the Federal Program

Other Reasons We May Disclose What We Know About You Include:

• Complying with an order of a court or government agency (including a search warrant or subpoena)
• In the event we are or may be selling all or any part of our business or merging with another company
• Coordinating benefits with other government programs
• Informing your health care provider about a medical condition you didn’t include on 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

• Other companies, including our Affiliates, that provide services for us or for the Federal Program
• Other insurers
• Law enforcement or regulatory agencies
• Entities that oversee or audit us or the Federal Program
• Consumer reporting agencies

Companies that service the Federal Program 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.

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
PO Box 797
Greenland, NH 03840-0797

Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557)

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