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Comparing Federal Government John Hancock Long-Term Care

There are differences between the policy language and benefits between companies that offer Long-Term Care Insurance although the major benefit options are similar. However key differences do exist. It is important to know and understand the differences between the federal employee plan and the other major companies.  The Federal Long-Term Care Insurance plan is administered by John Hancock. Full underwriting is now required for all applications.

The federal plan only offers daily benefits (most companies offer monthly benefits which is important become of how care at home is administered). It also does not offer shared benefits for spouses/partners.

Matt McCann works with all the major companies in the industry and can compare features and benefits as well as the costs between the plans.

Plus, companies have significant premium differences. Premiums are based on the amount of benefits you wish to have along with your AGE, HEALTH and specific discounts you might qualify for.

Features and options can vary from company to company.

The federal government employee long-term care plan (administered by John Hancock), unlike most companies, does not offer partnership benefits. Learn more about the federal/state partnership program here: https://mccannltc.net/resources/faq/state-partnership-program

Underwriting criteria – which health conditions you have today that might be insurable will vary between companies. Matt McCann understands the underwriting guidelines for all the major companies in order to match you with the best and most affordable options.

Discover the differences and compare. Matt, with his years of experience (since 1998) will help you determine if coverage is suitable for you, if you health qualify for coverage and then recommend appropriate benefits and options.

Remember

Long-Term Care Insurance is custom designed specific to you. Matt’s general philosophy is to design an affordable plan with the best company available (based on your current age and health) so you can take a catastrophic situation and make it manageable. The idea: Safeguard your retirement funds (401(k) IRA 403(b) while reducing the tremendous burdens that are placed on your family when you have an aging or health issue and need extended care.

Long-Term Care Insurance is Easy and Affordable Asset Protection. Most people are surprised how affordable a plan can be especially if you obtain coverage before you retire when you are in good health.