Disability benefit claim
John Hancock offers riders designed to give you access to support in the event the insured becomes disabled.
You may be eligible for disability benefits if:
a) Your policy is active
b) Your policy includes an active Disability Benefit Rider
c) The insured has been disabled for a duration of at least six consecutive months
Eligibility requirements may vary based on the disability rider included on your policy. Please refer to your contract or contact us at 888-887-2739 for more information.
Here’s everything you need to know about accessing your benefit:
1 Notify us
If you have a disability rider on your life insurance policy and the insured is now disabled, you may initiate a disability benefit claim by visiting the forms page and following these steps:
a) Select “Claims” from the “Form Type” dropdown
b) Then select “Disability Claim” from the “Claim Type” dropdown
c) Select your state from the “Select Issue State” dropdown
d) Click the “Go” button
e) You will see a list of forms, please download and print the “Total Disability or Loss of Sight or Limb (766-0-40)” form
If you would prefer to have the form mailed to you, please give us a call at 888-887-2739.
2 Complete the claim requirements
Next steps:
a) Complete the required forms - the terms of your policy ownership will determine what forms and signatures are needed
b) Obtain required signatures authorizing additional medical information
c) Provide a fully completed attending physician statement
d) Provide a copy of the insured’s medical records for the period of total disability
e) Obtain a statement from the insured’s employer, under some circumstances
Please note: the claimant is responsible for all expenses for form completion and medical records.
Step-by-step guide to filling out a disability claim form
3 Submit requirements
Submit all requirements to the Claims Department.
Regular mail:
Life Post Issue - Claims
John Hancock PO Box 55979
Boston, MA 02205
Overnight mail:
Life Post Issue - Claims
John Hancock 372 University Avenue, Suite 55979
Westwood, MA 02090
4 Receive a decision
Once we receive all required documentation, you will be informed of our decision within ten business days.
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.
MLINY052021790-3