If you purchased a Long-Term Care rider on your life insurance policy and are in need of services because you have experienced a loss of functionality making it difficult to manage daily living activities1 or a loss of cognitive function, you should consider making a claim against your rider to cover long-term care expenses.
Once you receive the claim initiation kit, you can access our online portal to view coverage details and submit documentation relevant to your case. If you are the insured, you can complete your claim initiation paperwork online. If you are the insured’s Power of Attorney/legal representative, upload the most recent copy of the Power of Attorney or Guardianship paperwork here and John Hancock will email an account registration link to get you started.
1Activities of Daily Living —Personal care activities that may include bathing, dressing, eating, transferring, toileting, continence, and mobility.
2Elimination Period (Qualification Period) — The Elimination Period is like a deductible. Before your policy will begin paying benefits, you must first pay for your own long-term care costs for a certain number of days. In some policies, the Elimination Period is dates of service, and in others, it is calendar days. Please refer to your policy’s definition.
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