Take 2 - Special Edition, March 2000

Long-Term Care
Coverage Choices

What are my coverage choices?

When you apply for coverage, you will first choose a Nursing Home Daily Maximum Benefit (DMB) amount. The Nursing Home DMB is the most the insurance may pay for covered services received in a licensed nursing home on any day.

Each Nursing Home DMB has a corresponding Home Health Care DMB. Up to 60% of the Nursing Home DMB may be applied to the costs of covered services received in the insured's home on any day.

In addition, each DMB has two corresponding Lifetime Maximum Benefits (LMB), of which you will choose one. The LMB is the total pool of money payable for covered long-term care services received while you are insured.





Option 1:




Option 2:




Option 3:




Option 4:




Option 5:




Option 6:




For example, if you were to choose Option 4, the benefits available to you, should you become eligible, would be up to $200 per day for nursing home benefits or up to $120 per day for home care benefits, and up to $730,000 over your lifetime for all covered services. A list of these services is provided under Comparing Long Term Care.

The premium rates for these options are based on your issue age when you apply. So the younger you are, the lower your rates will be.

What else does this plan feature?

The Long-Term Care Insurance Plan offered to participants in the Screen Actors Guild - Producers Health Plan includes all of these provisions and more. A complete description of plan provisions and exclusions is provided in the enrollment kit available through John Hancock. You may call to receive a kit at no charge: 1-888-828-3823.

* NM residents must have this option automatically built into their plan
** Not available to residents of AR or WA

What else is covered besides nursing homes?

Long-Term Care Insurance is not just coverage for nursing homes. In fact, many of the features of the John Hancock plan are designed to give the insured several choices as to how their long-term care is administered. Residential Care Facilities and Home Health Care are offered under the Long-Term Care Plan.

A complete definition of these terms, as well as a comparison chart between this plan and alternatives is provided under on Comparing Long Term Care.

How can I learn more about the plan?

Additional information about plan provisions and exclusions is included in a special long-term care enrollment kit, which you may request by calling John Hancock at: 1-888-828-3823.

Monday - Friday

Saturday - Sunday

between 8:00 a.m. and 10:00 p.m. ET

between 8:00 a.m. and 8:00 p.m. ET

Outside the United States, the number is 1-617-572-8048

The toll-free number for the hearing-impaired is 1-800-255-1808

A John Hancock Long-Term Care service consultant will be happy to assist you.

Long-Term Care Insurance is underwritten by John Hancock Life Insurance Company, Boston, MA 02117.

Next Section Comparing Long-Term Care Coverage

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