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.
Determine Initial Benefit Eligibility
John Hancock must verify that the insured meets the benefit eligibility requirements
as defined in the policy and the date on which benefit eligibility is effective.
The first step is to contact the LTC Customer Service Center at 800-233-1449 to
obtain a Claim Initiation Kit, which includes forms that provide John Hancock with
the key information needed to proceed with the benefit eligibility determination.
The insured will need to complete and return the enclosed forms.
Based on the information provided on the Initiation forms, we will request at least
one of the following:
Onsite Assessment: Our assessment vendor will contact the insured
to schedule a visit to perform a face-to-face assessment that gathers information
about functional and cognitive status. The assessor is a licensed health care practitioner
working in the insured's area, but is not a John Hancock employee. This person does
not have information about individual coverage details.
Medical Records: If required, we will contact the appropriate care
provider to collect additional information about the insured's functional and cognitive
Upon receipt, John Hancock will review this documentation to complete the benefit
eligibility review. The insured will receive written notification regarding the
outcome. If we are unable to obtain the required information, we will notify the
insured so that s/he may contact any care providers directly in order to expedite
Please do not hesitate to contact us if you have questions about
any aspect of your coverage by calling our Claims Service Center
Click here for policyholder information
About the waiver of premium provision
Most John Hancock Long-Term Care Insurance Policies contain a waiver of premium
provision, with some variations by policy. It is imperative that you continue to
pay premiums until you have received confirmation from John Hancock that your policy
is in a Waiver of Premium status. In the event that your claim is closed for any
reason, premium payments would resume.