Long-term care insurance claims process overview
There are few things more challenging than the need for long-term care. To alleviate some of the stress of this experience, John Hancock is committed to making the claims process as clear as possible.
We have summarized the steps that comprise the claims process below so you will know what to expect at time of claim.
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Step 1. John Hancock will determine your benefits eligibility.
Step 2. John Hancock will determine your provider’s eligibility.
Step 3. You will need to satisfy the Elimination Period (sometimes called the Qualification Period/Waiting Period).
Step 4. You will need to submit your service invoices.
Step 5. John Hancock begins claims payments.
Step 6. John Hancock assesses your Benefit Eligibility throughout your claim.
Please do not hesitate to contact us if you have questions about any aspect of your coverage by calling our Claims Service Center at