Long-Term Care Insurance
Frequently Asked Questions
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Frequently Asked Questions
  1. I am only 23 years old. Why should I sign up for long-term care insurance now?
  2. If my eligible family member and I apply, do we need to opt for the same coverage?
  3. Do my spouse and I need to fill out separate applications?
  4. Can I choose which nursing home I wish to enter?
  5. What types of services are covered under the home health care portion of the policy?
  6. Will my medical insurance cover long-term care?
  7. Will my premiums increase in the future?
  8. What expenses are covered in a nursing home?
  9. Do you need to be hospitalized prior to receiving LTC benefits?
  10. What would happen to my coverage when my NYSSBA membership ends or if NYSSBA ceases to offer the Marketing Group Discount Long-Term Care Program?
  11. What costs associated with nursing home care will Medicaid cover?
  12. What does Medicare pay for Nursing Home Care?
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Long-Term Care Insurance is underwritten by John Hancock Life Insurance Company (U.S.A.),
Boston, MA 02117 (licensed in all states except New York; permitted in New York to service
existing insureds and clients, including accepting new enrollments).
COPYRIGHT © 2005-2010 by John Hancock
Edition 2010