John Hancock Long Term Care Insurance Review

Rating: 9.5 / 10 (Excellent)
10 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.)

How is John Hancock rated?


Claims & Benefits
Policies & Coverage
Financial Strength

Overall Rating: 9.5 / 10 (Excellent)

John Hancock is one of the most respected long term care insurance providers in the market. They provide flexible long term care insurance policies, backed by 150 years of experience and excellent financial strength. (Note: As of December 2016, John Hancock no longer offers long term care insurance policies. Current policies are still in effect.)

Policies & Coverage

Policies & Coverage - 9 / 10

John Hancock Long Term Care Insurance offers all standard benefits, including hybrid policies that combine long term care insurance and life insurance. They also provide riders like shared care, which allows couples to share maximum lifetime benefits with each other.
Policy Types
Individual / Standard
State Partnership
Hybrid Life and Long Term Care
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Facility Coverage
Any Facility
Available Policy Riders
Inflation Protection
Shared Care

Inflation Protection

Compound 3% or 5% increase.

Claims & Benefits

Claims & Benefits - 10 / 10

John Hancock's long term insurance policies offer a wide range of options, with customers able to choose maximum daily benefits, between $50 and $400, and long or short elimination periods to fit their needs. Benefit periods range from two to six years.
Maximum Daily Benefit Limit
$400 per day
Lifetime Benefit Period
6 years
Unlimited Lifetime Benefit Period?
Elimination Period
Elimination periods range from 30 to 365 days.
Eligibility Requirements
Activities of Daily Living Limitations
Physician Certification / Letter
Alzheimer's or Cognitive Impairment

Financial Strength & Ratings

Financial Strength - 9 / 10

John Hancock Long Term Care Insurance is underwritten by the John Hancock Life Insurance Company. With 150 years of experience, The John Hancock Life Insurance Company boasts top ratings from the main credit rating agencies in the U.S.
Moody's Financial Rating
AM Best Financial Rating
Standard & Poor's Financial Rating

John Hancock Reputation

Reputation - 10 / 10

John Hancock Long Term Care Insurance enjoys the good standing of its underwriter, John Hancock Life Insurance Company. They are competitively ranked in the market.
BBB Rating
Date Collected

Contact & Additional Information

Company Type
Subsidiary/ Partner
Year Founded
Homepage URL
Company Phone
(800) 233-1449
Headquarters Address
Congress Street 601, Boston, MA, 02210
Mailing Address
PO Box 852, Boston, MA, 02117

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10 Customer Comments & Reviews

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Robert N
Newark, New Jersey
John Hancock is the Absolute worst company I have EVER dealt with when it comes to customer service! We have been paying premiums with them since 2010. The current premium they charger for my mother is almost $14,000 per year. I submitted a claim in August 2017, which was subsequently "approved" in November 2017. Since then they have continued to ask for premium payments (even though no additional premium payments should be due once a claim is approved). Additionally they keep stalling and asking for additional information which has now been presented to them 2 and 3 times. It seems that they continue to lose faxed documents in their interoffice mail system. It has now been 9 months since... Read More

Sussex, Wisconsin
I waited 15 min to speak with a CSR. I inquired about coverage details for my mother and the customer service representative was not very forthcoming and we were disconnected before she had a chance to discuss in detail. I think JH needs more CSR support.

Philadelphia, Pennsylvania
I've had 2 major rate increases and was told (1) increases are based on the # of policy claims being made by others in my policy group and (2) JH no longer sells LTC products. In my 40s, I fear this rationale: how few will be left to cover my claims as the elders in my groups stop paying premiums? --Concerned policyholder (since 2010)

jody k
Big Lake, Minnesota
I have a question. Can my mom, who has been diagnosed with Alzheimer's, be eligible for LTC in an assisted living facility even if she does not need help with ADL's? She DOES need help with almost all of the IADL's. She suffers from cognitive impairment and is not allowed to drive. My dad bought John Hancock's LTC insurance for her years ago.

Guymon, Oklahoma
Mother paid for long term care for more than 25 years. When she needed it, end stages of CHF, they denied services. So darn sad. Over $52,000 in premiums paid.

Richard M
Beltsville, Maryland
My poor mother needed long term care from John Hankock after having paid into her policy over many years.After many months of evaluation , and their "elimination period"'a type of deductible, it looked as if my mom would begin to receive payments as she had passed all requirements. After many calls and a pleasant but nonresponsive staff never delivered on their promise to send payments. We had provided all the proof of her care, documenting every hour of care. John Hankock never paid the much needed funds owed to my mom until 2 weeks after she passed away. What an awful ordeal! What a scam John Hankock long term care is. Please do not waste your dollars with this company, a shoe box... Read More

San Jose, California
Long Term Care =========================== I have not had anything to claim yet to rate their claim response, but the customer service on their accounting is absolutely the lowest. 1] I have been paying our premium for both of my wife and my accounts via separated my bank auto payment setup for over five years, 2] in middle of 2016, they changed the address without notifying us, the last three payments got returned due to wrong address. No communication were conducted and both of our accounts then got into inactive status 3] During our call, we got the new address and made all three returned payments to the new address, but got returned again due to bad address again 4]... Read More

Gina t
San Jose, California
My Premium was just hiked 83%. As federal employees we are being ripped off. This not a stable insurance company to invest in. We need Congressional Action to stop this insurance company from ripping off America and federal employees.

j b
Byron, Illinois
The ABSOLUTE worse...the ABSOLUTE worse......premiums went up 3x in two years.....last one doubled...ltc was through a government aware

Bill L
Alpharetta, Georgia
John Hancock Performance LTC is easily the most expensive LTC policy being marketed today. It has an increasing premium structure if 3% compound inflation is elected. It has premiums that are 200% higher than other companies if 5% compound is elected. Consumers will find much better value through Mass Mutual or Mutual of Omaha. Run far away from this John Hancock policy! Pure junk. Smoke and mirrors marketing with "Flex Credits."

Top Rated
Our Partner
9.8 / 10
  • Rated A+ by the BBB
  • Monthly cash benefits for spousal home care
  • Nationwide network of agents
  • Affiliated with top long term care carriers
  • Applicants between the ages of 30 and 79 will be considered for coverage.
  • Choose between multiple long term care insurance policies