Protect your financial future with longterm care insurance

Longterm care (LTC) is a reality for many families today. More than 70 percent of people over the age of 65 will need longterm care services at some point*, and the cost of care can quickly impact retirement savings. Longterm care covers assistance that you or a loved one may need with daily activities like eating, dressing, and bathing. It may also help pay for physical therapy received periodically or even daily. And it may take place in a variety of settings including the home, the community, or an assisted living or nursing home facility. Expenses can be high – as much as $85,775 per year for a private room in a nursing home** – and can compromise the assets and wealth you have set aside for your retirement and your family’s future. But longterm care insurance can provide protection against this scenario by helping to cover the cost of longterm health care. When many families across the U.S. seek innovative longterm care insurance products, they turn to John Hancock.

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John Hancock: a leading provider of innovative longterm care insurance products

John Hancock has been one the leading providers of longterm care insurance for more than 20 years and a leader in the financial services industry for nearly 150 years. With a John Hancock LTC policy, you can help cover the cost of a variety of care provided in the home, the community or in an assisted living or nursing home. John Hancock LTC plans are flexible, with optional features allowing you to customize your plan to suit your needs. John Hancock LTC insurance enables you to feel confident that you have taken steps to protect your family’s financial future.

The benefits of buying longterm health care insurance now

There are significant benefits to buying long term health insurance and even more benefits to purchasing it sooner rather than later.

  • Longterm care insurance helps you minimize financial exposure.
  • With longterm insurance you can avoid becoming a burden on your loved ones.
  • LTC insurance gives you the choice to decide when to receive care in the setting you prefer.

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*Center for Retirement Research at Boston College, "How Can We Improve Long-Term Care Financing," June 2008.

** Based on John Hancock's Cost of Care Survey, conducted by LifePlans, Inc., 2011.

Long-term care insurance is underwritten by John Hancock Life Insurance Company, Boston, MA 02117 and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.