John Hancock Long Term Care Insurance Review

Rating: 9.3 / 10 (Excellent)
7 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 that are designed to provide a flexible and effective solution to different long term care needs.   



Premiums for a 3 year maximum benefit period plan for 60 year olds is 50 percent higher compared to the lowest priced offers of equally similar plans reviewed. Benefits for such plans offer $100/ day which is at par with what most companies offer. 


Plans Available


State Partnership




Non-tax Qualified Policies


Tax qualified Policies



Types of care covered

Assisted living

Nursing home care

Hospice care

Adult day care centers

Home health care



Waiting Period – 30, 60, 90 and 180 days

Maximum Benefit Period – 1, 2, 3, 4, 5, 6 and 10 years

Home care – 100 percent cover


Elimination periods are serviced based so it might take some time before benefits are received. Service based elimination periods take into account the days when actual professional service was given.


Financial Rating

A.M. Best – A+


(The company has demonstrated superior overall performance and has a very strong ability to meet its obligations to policyholders over a long period of time.)



John Hancock Long Term Care insurance continues to provide innovative financial products that offer long term care searchers a variety of instruments to choose from. With over two decades of experience, the company has proven itself to be a reliable provider of long term care services. However, premiums remain to be a major concern for bargain hunters.



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7 Customer Comments & Reviews

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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
Oakland, 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
Machesney Park, 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."

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