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Long Term Care Insurance
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Long Term Care Insurance
of 2024
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- Nation’s leader in Long-Term Care insurance since 1976
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John Hancock Long Term Care Insurance Review
ConsumersAdvocate.org
52 Customer Comments & Reviews - see all comments
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For more than two decades, John Hancock has been recognized as a leading provider of long term care insurance. Part of its success has been credited to its innovative products and excellent customer service. It offers both individual and group long term care insurance policies, designed to provide a flexible and effective solution to different long term care needs. (Note: As of December 2016, John Hancock no longer offers long term care insurance policies. Current policies are still in effect.)
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52 Customer Comments & Reviews
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John Hancock will reject any claim for the dumbest reasons just to delay any payment. I filled out their invoice PDF form exactly as required but they rejected it recently because they want the dates of service typed in 8 digits plus 2 forward slashes and the last digit of the date is not shown fully because of this requirement. This is THEIR form which doesn’t allow for enough room to fit everything in! They also want a copy of the cancelled checks and that must match the total on the invoice but I must legally withhold taxes from the caregiver so these numbers with never be the same! Their foreign telephone help is a joke, impossible to understand and have little or no experience with... Read More
My mother is in claim with John Hancock for LTC and this is the worst company I have ever dealt with. They intentionally make the claims process difficult and have extremely poor customer service. I wouldn't buy a anything from this company ever again.
I would NOT recommend this insurance to anyone. After years of paying premiums and then after the insured passed away John Hancock kept all proceeds from the policy. It is just not right that anyone would offer a policy like this.
I would avoid this company at all costs. Their "customer service" is almost all overseas and are pretty much worthless to help you with any problem you have with this company. John Hancock does not live up to its promises after years of my paying for premiums.
This company's long term care policies are a money making scam. They simply refuse to pay out any of the deserved benefits that my parents payed into for years. I am contacting my Mother's congressional representatives and US Senators and asking them to look into this company. I also contacted the Better Business Bureau, and JH has a 1 star rating out of five. Every single one of the comments on the BBB website expressed the same concerns and tactics of this company as this site does. I believe legal action is the only remedy left to us as JH is refusing to budge on their position. Lastly, how in the name of God did this company rate what they did above? Their rating should be 1's... Read More
Well, this comment section has confirmed that I'm not crazy--that this is truly the worst, most unethical, criminally managed company I've ever come across--but it has increased my ire and my commitment to pursuing legal ways of holding John Hancock accountable. There are many here calling for Congressional or criminal investigations and I am now convinced that this is exactly what needs to happen. By any measure, this is a criminal scam, one designed to fleece our most vulnerable citizens. JH is perfectly happy to rake in obscene profits on premiums but if you try to actually take out a claim they disappear. When I found my long-term care facility for my parents, I was assured/... Read More
I don’t have understand the concept of a “LTC LIFETIME BENEFIT LIMIT IF 6 years” if I only spent A portion of my insured amount OR needed intermittent LTC after my elimination period was met is that 6 year period applicable?!!!
My parents have paid into a long term care plan with this company for years and my mother died before receiving any benefit three years ago. My father had a stroke this year and is now having problems with the company - unanswered letters and phone calls, non-existent customer service ("We will handle this" "There is no supervisor to speak with"). Is it incompetence or something worse - preying on the elderly that they claim to serve? I have no more recourse but to involve a lawyer at this point if their personnel do not answer my letters and concerns.
When my mother took out her long term care policy 30 years ago they were a decent company, well respected. Things chance when you apply to receive the benefits you have paid for. Not only is this company crooked but they seem to change the conditions needed to receive the actual benefits my mother signed up for.
Her children had to fill out numerous, silly, time consuming paperwork for nothing in return. Don't let their fancy name fool you. My mother deserved what she paid for and got nothing.
Stay away from this company.
I started a LTC policy with J.H. yrs. ago. I now believe this to be a mistake. Lately my billing has been so screwed up, it leaves me wondering what kind of service am I going to receive when I actually need it. Three times trying to straighten out J.H. billing mistakes, wasting my time and theirs. I'm now at an age where jumping ship to anther provider would be difficult. Payments sent out as soon as bill is received are not get processed to my account in a timely fashion. This results in J.H. sending out secondary notices as well as late payment notices. Despite bank records showing checks have cleared, and calls to J.H. indicate they've processed the checks but have yet to apply them to... Read More
Top Rated
Our Partner
- Nation’s leader in Long-Term Care insurance since 1976
- As an independent brokerage, they provide unbiased information based on your needs
- GoldenCare has access to the Top LTC companies & discounts available
- They also offer Hybrid Long-Term Care insurance, Short-Term Care & Home Health Care plans