John Hancock's Custom Care II Long Term Care Insurance Plan

     John Hancock's Custom Care II product protects yourself and your family's assets from the devastating high cost of a long term care stay.  The plan is full of features such as:

-You can build a plan to fit your unique financial situation.
-Gives you access to your own personal care advocate if you file a claim.
-Grants you access to discounts to care providers nation wide.
-Gives you your own independent care coordinator that will help you design a plan of care if need be.
-When claim times comes John Hancock's Custom Care II policy is known for having a simple claims process.  Your care coordinator will even help you fill out the claims forms so the paper-work is not dumped into your kids or spouses' lap during that stressful time.

The Custom Care II plan will pay for care in four settings:

1. Home Health Care in your own home
2. Adult Day Care
3. Assisted Living Facility
4. Nursing Home
You and your Doctor decide on where you receive your benefits, not the insurance company which is a nice feature about John Hancock's Custom Care II plan.

     With John Hancock's Custom Care II long term care plan you can choose from either monthly of daily benefits of $50-500/day or $1,500-$15,000.  Your benefit period choices are 2,3,4,5,6,10, and Lifetime benefits.  Another building block to your Custom Care II plan is the elimination period or some call it the deductible: 30,60,90,180, or 365 days.  The last building block is the inflation protection which will help your benefits keep pace with inflation over time so you do not loose purchasing power.  Your choices are 5% Simple, 5% Compound, or Guaranteed Purchase Option (GPO) which gives you the option to buy for coverage down the road if you choose with out having to prove insureability.  Some restrictions may apply depending on your state so be sure to review the actual brochure for exact details.

     A nice feature of the John Hancock Custom Care II plan is  the additional Stay at Home Benefits.  What this is the policy will also pay for things like home modifications like wheel chair ramps, durable medical equipment, caregiver training, medical alert systems, etc.  The amount of money available is 30 times your daily benefit level or 1 month's of benefits.  For people under the age of 65 the Custom Care II plan will pay double benefits for a claim that results from an accident and the additional money will not be deducted from the policy limit.  Another unique feature is the return of premium that will return all premiums paid less claims to your beneficiary if you die before the age of 65. (not available in PA).

• The is International Coverage built in and that will give full benefits anywhere in the world for 1 year.
• Waiver of Premium and that simply means once John Hancock starts paying you benefits you stop paying premium.
• Bed Hold Benefit is if you were to say go into the hospital for a surgery for 3 weeks you Custom Care II policy will continue to pay the facility your were in up to 60 days so you don't lose your spot.

     The Custom Care II product by John Hancock is also Gay and Lesbian friendly and that means if you and your partner are in a committed relationship for 3 plus years and living and sharing common expenses you may be eligible for the Partner Discount of up to 30%.  Of course married couples are also eligible for the spousal discount for up to 30% off.  If you would like to receive your own personal quotes for John Hancock's Custom Care II plan along with the 4 other top carriers please take a minute to fill out the form below and we'll be happy to get you your quotes.