10 Best
Long Term Care Insurance
of 2024
Long Term Care Insurance
of 2024
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- Nation’s leader in Long-Term Care insurance since 1976
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- They also offer Hybrid Long-Term Care insurance, Short-Term Care & Home Health Care plans
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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This company is deceptive, unethical, and practices bait-and-switch. Requirements for claims are not upfront or transparent, and as soon as initially disclosed requirements are met, they will find more roadblocks to put in your path to string it out so they don't have to pay out...probably hoping the policy owner will die first. My parents have paid for this insurance for over 20 years and both are now in their 90s. This past year they applied for durable equipment benefits to help them stay in their own home (a step-in shower and lift chairs), and John Hancock LTC Insurance, while always right there to collect their premiums, found one reason after another to not have to reimburse my... Read More
Hancock is no longer a blue chip institution. Arguably they are a fraudulent scam. The most incompetent, ridiculous, unresponsive claims service process one can imagine. They embark on any means possible to avoid paying straight forward claims. I suggest anyone who get first sign of a problem to hire a lawyer and get your life long premiums and benefits paid back.
I agree with all the other comments- the high rating must be false. I have paid my premiums from August 2013 till August 2020, the year I turned 70. I don' believe I received another notice for payment. Then the next notice was of a lapsed policy because of non-payment, and sent after the 90 day grace period. They have not been writing any new policies since December 2016, but are eager to let the remaining policies "lapse"(according to information online) . I think I have been protected from further fraud and non-response to claims by being allowed to lapse.
Trying to access the long term care benefits for my Father has been insanely difficult. We have been given contrary information frequently. I have worked as an elder aid for many years and can prove my qualifications but JH will not compensate me for providing the necessary care my Father has been evaluated to need as per JH nurse. This is extremely difficult because he is not amenable to outsiders coming into his home. I applied to be his care provider and was denied the medical CNA benefit simply bc I am his daughter. My resume was ignored. My Father has been paying into this LTC plan for 20 years. He is distraught that he cant use this benefit after all the money he paid into... Read More
JH is a strong company, no doubt. But my parents have LTC policies with them. These policies are 21 years old and they have pad faithfully. They are 90 and 921 respectively and have never made a calaim. The original policy says quite clearly that the benefits are indexed to inflation. In 21 years the daily benefit has gone from $120/day to $130/day, however, the premium for this essentially flat benefit has gone up 276% from $1,300/year to $3,592/year. As expected the answer for "why" is not decipherable. I can say it is definitely not right and unethical. It would be understood to not index to inflation or to make it less than CPI/Inflation rate, but when combined with nearly... Read More
John Hancock seems to be pretty incompetent in initiating a claim. They state that it takes 45 days and we're 4 months in and still messing with them. They received the nursing home certification and plan of care in one pdf document and then 30 days later, when I followed up, they stated they had not received the plan of care. I realize going to page 2 of a document can be difficult but I would expect they would have someone with the skills to scroll down. I resent the document and finally, a month later, they said they needed to do an on-site visit which turns out to be a telephone call with another contract firm asking the same questions already answered. Pretty incompetent.
I have been trying to claim benefits on my wife's LTC coverage for more than 8 months and all i get is the runaround. One stalling tactic after another. In the meantime they continue to deduct the premium from her bank account. One of the worst companies I've ever done business with.
My Father has been paying for Long Term Insurance since 1993. He has no chance of claiming any help due to the 90 day elimination period among other "loopholes". You are crooks, plain and simple. You discovered how to legally screw people and you've been doing it for years.
After reading the previous complaints I believe it’s time to get a huge lawsuit rolling! Same story here. My folks have paid since 2003 for long term care, and now that Dad is in hospice they claim no payment can be made until after 90 days! Who rarely lives in hospice for over 90 days! Total rip-off... I’ve had it with these companies. John Hancock obviously got rid of their long term care in 2016, probably because they were getting too deep into being found ‘out of their fraudulent ways . Who ever took over never even contacted my parents to let them know of the new company name or policy details.! My folks are stuck with paying 14,000 so far for the 2 months my Dad has been in hospice... Read More
My 83 year old mother had a stroke in February 2020. From the hospital rehabilitation she moved directly into an assisted living facility at the recommendation of her primary care doctor and her hospital neurologist. They both said she could no longer live alone. Mid March 2020 I i put in a claim to initiate her long term care insurance. My mother paid on her LTC policy for 25 YEARS (since March 12, 199)! That apparently isn't good enough for JHLTC. It took 4 months of me calling weekly (spending many hours on hold and speaking with reps who do not speak English) before JHLTC DENIED my mother's claim. I called and was told that I should immediately start the appeal process - which I... 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