Long-Term Care Plan


Employees of Tufts Associated Health Plans, Inc. (also referred to in this section as “the Company” or “the Tufts Health Plan”) were eligible to purchase Long-Term Care Insurance Plan coverage prior to December 31, 2011. This plan stopped accepting new enrollees after that date

This section of your Summary Plan Description (SPD) applies only to Tufts Health Plan employees who enrolled in the Long-Term Care Insurance Plan (also referred to in this section as the “LTC Plan”) before December 31, 2011.

Insurance Company
As used in this section, the term “Insurance Company” means: 

John Hancock Life Insurance Company (U.S.A.)
Group Long-Term Care
PO Box 111
Boston, MA 02117 

This section provides a summary of your LTC Plan benefits, but it does not go into all of the details. You should also consult the plan’s Insurance Certificate and the LTC Plan Enrollment Kit for more comprehensive information about the plan’s operation, including its calculation of benefits and benefit limitations. 

You can obtain a copy of the LTC Plan Insurance Certificate by contacting Human Resources. You can contact John Hancock’s Customer Service Center at 1-800-711-9407 (Monday through Friday from 8:30 a.m. to 6:30 p.m., Eastern Time) to request an LTC Plan Summary. The Customer Service Center is also available to answer any questions you have about the plan and how it works. 

This section summarizes the official plan documents for your Long-Term Care Insurance Plan. The full facts and details concerning the operation of this plan are contained in official plan documents, which are on file with Human Resources. In the event of any conflict between this section and the official plan documents, the plan documents will always govern. The official plan documents will also govern over any conflicting oral representations concerning the benefits provided under this plan.