BENEFEDS is a business of LTC Partners, LLC (LTCP). This notice refers to BENEFEDS and LTCP as "us", "we", or "our". BENEFEDS administers the Federal Employees Dental and Vision Insurance Program (FEDVIP) enrollment and billing processes on behalf of the United States Office of Personnel Management (OPM) and the FEDVIP carriers.
We know how important it is to keep your personal information secure. LTCP and BENEFEDS are committed to maintaining the confidentiality of information we receive from employees, retirees, and other members of the Federal family. We have privacy protections built into every aspect of our business operations, including our Web-based services. This statement is designed to disclose our privacy strategy.
Why We Need to Know About You
We need to know about you so that we can administer the insurance or other products and services you've asked for through BENEFEDS. We get most information about you from you, and we limit the information collected about you to what is needed for conducting business. For example, when we provide services to you, we may collect information such as demographic, payroll, banking and insurance data. We may use this information to process transactions, respond to inquiries from you or to fulfill other administrative requirements. If you do not provide the information we request, you may have limited access to the features and services offered by BENEFEDS and may not be able to enroll in the benefits you want.
We may collect and use technical and navigational information, such as browser type, Internet protocol address, screens viewed and average session length to improve our Web design and functionality. We use this data only in aggregate and we do not reveal individual details about users of our site. We do this to help provide better service to you.
How We Protect Your Information
We maintain information protection controls in accordance with industry standards and practices as well as guidelines set forth by the Federal government. Protection of your data is a core component of our service to you. We have physical and computer standards to protect your information. These standards comply with all applicable laws. As part of the Health Insurance Portability and Accountability Act (HIPAA), we restrict access to information to those individuals in our organization who require that access in order to provide products and services to you. Our associates are educated regarding their responsibility to protect your privacy utilizing clear guidelines.
How We Use and Disclose What We Know About You
We share collected information with outside parties only as required (1) by law or legal order, or (2) to fulfill our contracted administrative duties. For example, BENEFEDS provides enrollment services that require transmitting collected demographic, payroll, and insurance data to a payroll/annuity provider and applicable insurance carriers. As another example, we may need to disclose information for audits by the U.S. Office of Personnel Management or the U.S. Government Accounting Office. We will not distribute or share information collected with any entity for marketing purposes or for any other purpose outside the scope of our business requirements.
This site may contain links to other web sites. We are not responsible for the privacy practices or the content of these other web sites. Users should check the privacy statements of the other sites to understand their policies. It is the responsibility of the user to keep personal information private and confidential. We treat the information from former customers of BENEFEDS in the same manner as the information of current customers.
BENEFEDS utilizes proven methods to maintain the security of your information during your use of our services. Highlights of our security include:
- Internal firewalls
- Security audits and assessments
- Secure Socket Layers 3.0 (128-bit data encryption)
- User-level security controls (user ID & passwords, security lock-outs, etc.)
How to Get and Correct Your Information
We offer several options for accessing your account information, including Web access, access to customer service representatives by phone, and mail. Specific addresses and telephone numbers are listed on our correspondence.
A cookie is code either used for the duration of a session (session cookies), or saved within a user's web browser in order to identify that user, or information about that user, the next time the user visits a website (persistent cookies). The BENEFEDS website may use Tier 1, Tier 2, and Tier 3 cookies as defined in the Office of Management and Budget (OMB) memorandum guidance located at http://www.whitehouse.gov/sites/default/files/omb/assets/memoranda_2010/m10-22.pdf.
BENEFEDS utilizes website usage statistics to assist with improvements to our website and provide a better user experience for those visiting www.BENEFEDS.com. OMB classifies this as a Tier 2 usage since the multi-session web analytics tool employed doesn't collect any personally identifiable information (PII). This technology anonymously tracks how visitors interact with www.BENEFEDS.com, and includes data regarding what sites referred visitors, what pages or files were accessed, and what, if any, predetermined tasks were completed while visiting the site.
The usage data collected by our website analytics tool aid optimization of the website. By interpreting usage data, we prioritize tasks, improve the website's user interface, and tailor our content to that which most interests website visitors. No PII is collected via this technology, so the anonymity of the end user remains protected. Any usage data collected will be retained only for as long as needed for analysis and optimization of the website, and this information is accessible only to employees whose position requires it.
Typically, web browsers accept cookies by default, thus, disabling this technology requires manual effort. If you decide to opt-out of this technology completely, you can find step-by-step instructions for changing your web browser settings at http://www.usa.gov/optout_instructions.shtml.
Note: Opting-out doesn't affect your ability to access content within www.BENEFEDS.com or alter how you view the website.
BENEFEDS may occasionally utilize Tier 3 persistent cookies that permit cross session and website authentication. Where applicable, the use of such technology on www.BENEFEDS.com will prompt users to opt-in and allow Tier 3 cookies prior to engagement. BENEFEDS doesn't utilize persistent cookies that can be accessed by third-party entities.
If you have questions or comments regarding this privacy notice, contact us at:
LTC Partners, LLC
Attn: Privacy Office - BENEFEDS
100 Arboretum Drive
Portsmouth, NH 03801