5 Satisfy elimination period
Invoices must be submitted every 30 days to avoid claim closure due to inactivity.
You can also submit invoices via mail:
John Hancock LTC Claims
P.O. Box 55231
Boston, MA 02205
Things to note about accessing your benefits:
Most coverage offered by John Hancock follows a reimbursement model — meaning, you incur certain long-term care expenses and then you are reimbursed for the actual charges that are incurred up to maximums defined in your rider. To apply for reimbursement, submit an invoice from your care provider that outlines each date of service, the type of service provided and the charge for the service.
Facility bills: Many facilities bill in advance. While facility bills may be submitted in advance, payments will not be released until the end of the month.
Home health care agency bills: Daily care charges including type of care provided, duration and charge details must be itemized on invoices submitted for reimbursement. If you employ an ICP rather than an agency, you will need to use an ICP service bill provided by John Hancock after provider approval.
* Activities of Daily Living —Personal care activities that may include bathing, dressing, eating, transferring, toileting, continence, and mobility.
** The insured is financially responsible to their care providers, including charges not covered by the LTC rider.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.