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Long Term Care Insurance, John Hancock,

Essential Care II





 




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  Also related... Illustration Examples l Long Term Care Products l Sample Policy
 

John Hancock Life Insurance Company
 Essential Care II
Essential Care II
Issue Age Range 18- 84
80-84 restricted benefits
Health Classes Preferred, Select, Class I, Class 2
Daily Benefit Range $50- $500 in $10 increments
$50-$250 ages 80-84
Benefit Periods 2, 3, 4*, 5*, 6*, 10* Years, Lifetime*
*options not available ages 80-84
Elimination Periods 30*, 60*, 90, 180, 365 days
*options not available ages 80-84
Facility Benefits Reimbursement
Homemaker Services Available
Adult day care % 100%
Home Health Care Daily, Weekly, Monthly  
% Benefit for Asst. Living 100% of actual ACLF charges are covered, up to 80% of the NH DB
% Reimb. for Home Care Aide 100% of actual ACLF charges are covered, up to the NH DB
Bed Reservation Days/Yrs 60
Respite Care days/yrs not paid during EP
Restoration of Benefits  
Alternative Plan of Care Not Available
Caregiver Training Benefit  
Pre-existing Conditions No
Rate Guarantee Period Not Available
State Approvals Available everywhere except: AK CA FL IN NJ NY PA RI TX
Facility Waiver Not Available
HHC Waiver Not Available
Joint Waiver  
Spouse Discount 30% (Both spouses applying)
15% (One spouse applying or eligible)
Family/Partner Live together Not Available
Compound Available
Simple Available
Paid Up Options 10 Pay, Paid up @ 65
Shortened Benefit Period Not Available
ROP at Death Not Available
Paid up Survivor Benefit  
Care by Friends / Unlicensed Not Available
Care by Family Not Available
Shared Care Benefit Rider
Other Non-Forfeiture  
Facility Trigger 2/6
HCBC Trigger 2/6
 




    John Hancock Long Term Care Product Information

                         John Hancock Custom Care
 
                         John Hancock Custom Care II

                        John Hancock Essential Care

                         John Hancock Essential Care II
 



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 Long Term Care
888.587.8511
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PO Box 30248
Charleston, SC 29417

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