How do I locate a lost John Hancock policy or account?
How do I access a secure email message from John Hancock?
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Most forms on this site are in PDF format. PDF format allows documents to be easily printed. To view a PDF file, you must have Adobe Acrobat Reader installed on your computer. Adobe Acrobat Reader is a free program that allows you to view and print documents in Adobe's portable document format (file names ending in the extension ".pdf"). If your system does not have this program, you will not be able to access these forms.
Adobe Acrobat Reader is free to download from the Adobe website. The download is a self-running installation program.
If your version of the Acrobat Reader does not automatically open PDF files, we recommend an upgrade to a more recent version of the software. The software is freely available from Adobe's website. Use the link referenced above to access the most recent version.
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Does it matter which browser I use?
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Will my information be secure when using this site?
Yes. Each time you send or receive personal information on this site, a secure connection is established using Secure Socket Layer (SSL) protocol. SSL scrambles your personal information as it travels from your browser to our secure web server. Our website prohibits personal information from being transmitted if a secure connection is not established. You may set your browser preferences to alert you every time you submit a non-encrypted form.
How do I protect myself against fraud?
How do I report fraudulent and suspicious activity?
If you receive an email from John Hancock that looks suspicious, DO NOT click on any links within the email. Instead, take note of the sender's address and message and contact us so we can help you take action. You can call us at 800-624-5155 weekdays from 8 a.m. - 5 p.m. Eastern time.
Where do I go to view your privacy statement?
What is the mailing address for returning forms and service requests?
Fixed Products Administration
PO Box 55446
Boston, MA 02205-5446
Fixed Products Administration
John Hancock Insurance
410 University Avenue, Suite 55446
Westwood, MA 02090
What is a group annuity?
A group annuity is a contract that has been purchased by an employer, known as a contract holder, from John Hancock to fund tax-qualified retirement benefits for a specified group of employees, who are referred to as participants. The group annuity contract defines the benefit payment options and amounts that the contract holder has purchased for each participant.
Why is John Hancock paying my retirement benefit?
Rather than your former employer paying benefits directly to you, they entered into a contract with John Hancock to pay benefits for each covered participant under the group annuity contract. John Hancock works directly with the participant. Generally, your employer is not involved in the benefit administration.
When will I be eligible to receive my retirement benefit?
Your retirement benefit eligibility depends on what is defined in the group annuity contract. Typically, your full retirement benefit is available to you at age 65. You may also be eligible for an early or late retirement option.
How can I request an overview of my benefit options?
To request an overview of your benefit options, print, complete, and return to us the Benefit estimate request form from the forms center. We’ll respond via letter within 10 business days to let you know if we have a benefit for you.
What information is required to request a quote of my benefit options?
You will need to provide certain personal information including your name, date of birth, Social Security number, home address, and contact information. Marital status and spouse information are also required. Finally, we need to collect employment information including the name of your former employer, your date of hire, and date of termination. All of this information will be used to determine your benefit options.
What if I do not remember my date of hire or date of termination?
If you do not have your exact employment dates, please provide your best estimate of the month and year(s) in which you worked, and we will compare this information to our records.
Are there any restrictions to begin collecting my benefits?
Yes, there may be certain restrictions to begin collecting benefits, including ineligibility if you are currently working or requirements for years of service.
Are my retirement benefits subject to taxes?
Generally, yes. However, you should consult with a qualified tax professional. You can find additional information in the tax center.
If the first of the month is on a holiday or weekend, when should I receive my payment?
You will generally receive your payment the business day before the holiday or weekend day, except for January 1, which will arrive on the next business day after January 1. This is because the payment must be received in the new calendar year for tax reporting purposes. Click here to view a calendar of upcoming monthly check mail dates.
I haven’t received my check. What should I do?
If you haven’t received your check by the 8th day of the month, please call us at 800-624-5155 weekdays between 8 a.m. and 5 p.m. Eastern time.
How do I change my tax withholding election?
Can I get advice about tax withholding?
You should consult with a qualified tax professional who can help advise you on your personal situation.
How do I add a power of attorney (POA) document to my record?
Please send us a cover letter with instructions along with the complete POA paperwork stating that the listed attorney-in-fact is able to act on your behalf for your annuity benefit. We will review the documentation and send you a letter either confirming or denying your request. If your request is denied, we will provide in the letter steps you may take to gain approval. Click here for our mailing address.
You may also click here to submit the Third party authorization form. However, this form only authorizes another person or entity to receive documents and information related to your benefit.
When will my check arrive?
If you choose to receive a paper check, it will be mailed to you a few days before the payment is due to you. Click here to view a calendar of upcoming monthly check mail dates.
How can I get a direct deposit?
Click here to change your method of payment to electronic funds transfer (EFT) online using an electronic signature.
Click here to request the change via hard copy.
Can I update my banking instructions over the phone?
Yes, you can update your banking instructions over the phone. Please call us at 800-624-5155 weekdays between 8 a.m. and 5 p.m. Eastern time to complete our quick and easy verification process and elect how you want to receive your payments.*
*Must meet eligibility requirements. Not all financial institutions are eligible.
How do I properly complete IRS Form W-9?
Click here to view a video guide with step-by-step instructions on how to properly complete IRS Form W-9.
How can I change my withholding election?
If you need to change your tax withholding election for your benefit payments, complete and submit the Tax withholding election for periodic payments form.
What tax form will I receive?
Most people will receive an IRS Form 1099-R and possibly an IRS Form 1099-INT. Information about these forms may be found at irs.gov.
A Form 1099-R is the tax form used for reporting distributions from certain qualified and nonqualified annuity contracts. Distributions reported on a 1099-R generally include full terminations or lump sums, partial withdrawals or periodic payments, death benefit claim payouts, 1035 exchanges, and direct rollovers.
A Form 1099-INT is the tax form that summarizes the interest income received during the calendar year. The interest earned must be at least $10.00 during the year for you to receive this form.
If you are a non-U.S. person, you will receive an IRS Form 1042-S, which will be mailed to you in mid-March.
How do I read my IRS Form 1099-R tax statement?
When will tax forms be mailed?
The following 2022 IRS tax forms will be mailed in 2023 on or about:
Where can I find general tax information for the current tax year?
What if I receive payment for a participant after their death?
It is very common for a periodic monthly benefit to continue to be paid after the death of a participant. This is because John Hancock is typically notified of death during the month after the participant’s passing and a benefit payment has already been released. If this occurs, please call us at 800-624-5155 weekdays between 8 a.m. and 5 p.m. Eastern time. We will instruct you on how to handle the post-death payments. The handling treatment will depend when the payments were issued and if a continuing benefit is due.
Why can't I choose a death benefit settlement option?
When the participant completed the Benefit election form upon retirement, they elected the type of benefit, including whether the benefit was to be payable only to them, or whether subsequent payments or continuation of a benefit would be due to a spouse or contingent annuitant upon the participant’s death.
How can the death of a participant result in no death benefit due?
Whether or not a death benefit is due is based on the terms of the group annuity contract and the benefit option chosen by the participant when they commenced retirement benefits. Once a benefit option is chosen, it cannot be changed. As the beneficiary or contingent annuitant, you cannot change or elect a benefit option.
What if a participant passes away before receiving any payments?
The group annuity contract holder purchased a retirement benefit under the group annuity contract for a specified group of participants. In the event that the participant never elected a retirement benefit and passed away prior to receiving benefits, there still may be a death benefit due. The death benefits are determined based on the contract provisions for this scenario. However, generally, unpaid retirement benefits will be payable to the deceased participant’s estate or spouse, depending on the terms of the group annuity contract.
Can all of the claim paperwork be faxed in?
Yes. Paperwork can be sent to John Hancock via fax at 617-572-0355; however, John Hancock reserves the right to require original claim paperwork at any point during the claim process. For security purposes, we cannot accept emailed versions of the claim forms or documents needed to settle the claim.
When and why do I have to probate the estate?
When used in connection with probate proceedings, the term "estate" encompasses the total property that is owned by a decedent prior to the distribution of that property in accordance with the terms of a will, or when there is no will, by the laws of intestacy (inheritance) in the state of residence of the decedent. If benefits are payable to the estate of the participant, the participant’s estate may have to be probated. Since every state is different as to what encompasses the total property that is owned by a decedent, it is best to consult a professional.
What qualifies as a "small estate"?
Small estate affidavits are an alternative to a full formal probate of an estate. They may be available to family members when the assets, liens, and encumbrances of the estate are under a certain statutory dollar amount, which varies by jurisdiction. When available, small estate affidavits are a method of small estate administration for estates ranging from $1,000 to $100,000 or even higher, depending on state law. In some states, an affidavit can be executed by the spouse and/or heirs of the deceased and this affidavit can be presented to the holder of property (such as a bank or insurance company) to claim property of the deceased. Other states require the affidavit be filed with the court.
When will my claim be processed once you have received all of the necessary forms and documents? Will I receive a statement when it's paid?
Claims are generally processed within 3 business days after all of the necessary forms and documents are received in good order. A confirmation letter will be sent with the claim payment.
If I am a former spouse of the deceased, why do you require a divorce decree?
If the marital status is "divorced" on the death certificate, we require a complete copy, including any amendments, of the Qualified Domestic Relation Order (QDRO) or Domestic Relations Order (DRO) in order to determine if there is a death benefit due under the group annuity contract.
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John Hancock Annuities are issued by John Hancock Life Insurance Company (U.S.A.), Lansing, MI 48906, which is not licensed in New York. In New York, John Hancock Annuities are issued by John Hancock Life Insurance Company of New York, Valhalla, NY 10595. John Hancock Variable Annuities are distributed by John Hancock Distributors LLC.