Understanding the claim process
Managing your claim online is convenient and secure. Sign in or register to access benefit information, view your current coverage, enroll in direct deposit, and more.
Claims process overview
Review the steps to begin your claim initiation.
The insured participates in a clinical assessment which may involve demonstrating Activities of Daily Living.
To ensure your care provider(s) are considered eligible, you will be asked to supply their contact details.
Refer to your policy to learn how to satisfy your elimination or qualification period and when to start submitting invoices.
Begin submitting invoices for long-term care services. For quicker receipt of reimbursement, the insured or their legal representative can set-up direct deposit.
Review our long-term care claim initiation documentation
Explore a general overview of the claims process and the steps you must take before your covered long-term care expenses can be reimbursed, as well as average claims processing time.
Whether you’re the Insured, legal representative or family/friend, here is everything you need to know to start and complete your Long-Term Care claim initiation.
Review a completed claim initiation kit that shows the correct way to fill out the forms you, or your legal representative, must complete and return to us before we can process your claim.
John Hancock Life and Long-term care insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York); and in New York by John Hancock Life Insurance Company of New York, Valhalla, NY 10595 (Life insurance with LTC riders) and John Hancock Life & Health Insurance Company, Boston, MA 02116 (Long-term care insurance). Long-term care insurance policies issued under the name of Union Security Insurance Company, Union Security Life Insurance Company of New York, American Republic Insurance Company, and Blue Cross/Blue Shield of South Carolina are administered by John Hancock Life Insurance Company (U.S.A.). Policies issued under Time Insurance Company are insured and administered by John Hancock Life Insurance Company (U.S.A.).
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