- What is the Automatic Benefit Increase option?
By paying a higher premium, you can purchase this option to have your maximum daily benefit amount automatically increase 5% each year with no increase in your premiums. Premiums will increase only if the carrier has an overall rate increase.
- Is there a waiting period before I can receive Long-Term Care benefits?
Yes. You must wait 90 days after you are certified as being eligible for care. You do not have to actually incur expenses during this 90-day period. You must meet only one waiting period for your lifetime.
- If I already have Long-Term Care coverage, can I increase my level of coverage without providing evidence of insurability?
No. In most cases, you must provide evidence of insurability (good health) to increase coverage. However, every three years, John Hancock will offer you the opportunity to increase coverage without providing evidence of good health.
- What if I elected the $100-a-day benefit and my care only costs $80 a day. Do I receive $80 or the full $100?
You receive $80. The plan pays the actual cost up to your maximum daily benefit amount.
- If I’m in a nursing home or other facility and have to go to the hospital for awhile, will the benefits being paid for that facility stop?
If you continue to incur charges from the care facility while you are hospitalized, the plan will continue to pay benefits for up to 60 days per calendar year so you can save your place in the facility.
- What are alternate care facilities and independent providers, which are covered by the plan?
An alternate care facility is one that provides 24-hour care and qualified long-term care services sufficient to support your needs if you are chronically ill. The facility must be licensed or accredited by the appropriate agency to provide such care, if licensing or accreditation is required by the state in which care is received. This includes most assisted living facilities.
Independent provider care consists of care or services provided by a paid caregiver in your residence or wherever care is provided, except a hospital or nursing home. An independent provider is a person who is approved by John Hancock, the plan carrier, as being able to provide maintenance and personal care services at your home and provides qualified long-term care services as a business.
- What kinds of benefits will I receive for services other than skilled nursing facility care and home health care that are covered by the plan?
Hospice and homemaker services are covered at the same level as adult day care and home health care—75% of your daily benefit amount. The plan also covers other services, such as caregiver training, emergency alert services and informal care at various benefit levels.
- If I participate in the Long-Term Care plan for several years then drop the coverage, can I ever get benefits from the plan?
If you elected the nonforfeiture option, you may qualify to receive benefits if you participate in the John Hancock plan for at least three consecutive years. If you qualify for Long-Term Care benefits any time during your life, you can receive either 30 times your daily benefit amount or the total you paid in premiums, whichever is more. If you participate in the plan for at least 10 consecutive years, you can receive 90 times your daily benefit amount or your total premiums, whichever is more.
- If I have Long-Term Care for myself and then one of my parents needs care, can I use my benefits to pay the bills if I’m the one responsible for paying for my parent’s care?
No. If you believe your parents might eventually need care, you might want to encourage them to sign up for the program. If you enroll only yourself, the plan will pay benefits only if you need one of the types of care covered by the plan.
- Won’t my health plan cover most of the same services as the Long-Term Care plan?
Most health plans will not. Health plans are designed to cover medically necessary care. The Long-Term Care plan is designed to cover custodial care. This means care to help you with daily activities such as dressing and eating. Even those health plans that pay for some nursing home, home health care or adult day care services limit the number of days they will cover. Long-Term Care generally provides benefits for many more days.