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Knowing that you have coverage in case you or a family member needs long-term care can reduce emotional and financial stress in case of the unexpected. Types of services covered include assistance with daily living activities, such as eating, bathing and dressing.
You can enroll if you are a regular status active employee working 17.5 hours per week. These individuals are also eligible:
- Retirees
- Spouses and same-sex domestic partners
- Parents or in-laws
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- Grandparents or grandparents-in-law
- Your adult children and their spouses
- Your siblings and their spouses
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Generally, you choose coverage options based on:
- Types of services that will be covered
- Daily benefit amount – maximum amount of daily coverage for care
The program offers five coverage options and an automatic benefit increase option (inflation protection).
| for: |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
Option 5 |
| Nursing Home/Alternate Care Facility – 100% |
$100
Daily Max |
$150
Daily Max |
$200
Daily Max |
$250
Daily Max |
$300
Daily Max |
| Community Based Professional Care – 75% |
$75
Daily Max |
$112.50
Daily Max |
$150
Daily Max |
$187.50
Daily Max |
$225
Daily Max |
| Informal Care Max 30x Informal Care DMB |
$25 |
$37.50 |
$50 |
$62.50 |
$75 |
Lifetime Maximum Benefit
(3 yr option/5 yr option) |
$109,500/
$182,500 |
$164,250/ $273,750 |
$219,000/ $365,000 |
$273,750/ $456,250 |
$328,500/ $547,500 |
- Call the John Hancock Long-Term Care Call Center at 1-888-825-7218.
- Visit the University Hospitals Long-Term Care Insurance web site
and enter “uh” for username and “mybenefit” for password.
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