John Galt III
Thinks s/he gets paid by the post
- Joined
- Oct 19, 2008
- Messages
- 2,803
Has anyone had a good experience with actually using John Hancock Long Term Care insurance?
My sister and are are struggling to make use of an LTC policy with John Hancock, for moving our dad into a memory care unit at the Continuing Care Retirement Community in which he lives. He and Mom are currently in an independent living apartment, but Mom is responsible for controlling Dad since his mind is largely gone.
So far we have been disappointed by Hancock, in filing a claim to have visiting aides for Dad, since we spent hours filling out forms and getting medical testing done on Dad, only to be denied, not because of Dad's mental state, but simply because the policy did not cover aides coming into an independent living residence! They could have told us that up front and saved us both lots of aggravation. Unfortunately, the staff at Dad's CCRC appears to be as incompetent as John Hancock, since the staff assured us that aides would be covered.
I've been reading a very long thread about geriatric finances that involves John Hancock LTC which was started by Nords in 2011. I've been reading for hours and am still not done. He had a terrible time with Hancock incompetence and foot dragging, apparently.
So.... any rays of sunshine out there about John Hancock LTC?
Another question : how does one find a competent elderlaw attorney besides internet searching and word of mouth from fellow ccrc residents? I think it might save my sister and I both aggravation and money by spending a few thousand on a 'good' elderlaw attorney, both in handling the ccrc staff and John Hancock. The state is NJ.
Thanks, J G III
My sister and are are struggling to make use of an LTC policy with John Hancock, for moving our dad into a memory care unit at the Continuing Care Retirement Community in which he lives. He and Mom are currently in an independent living apartment, but Mom is responsible for controlling Dad since his mind is largely gone.
So far we have been disappointed by Hancock, in filing a claim to have visiting aides for Dad, since we spent hours filling out forms and getting medical testing done on Dad, only to be denied, not because of Dad's mental state, but simply because the policy did not cover aides coming into an independent living residence! They could have told us that up front and saved us both lots of aggravation. Unfortunately, the staff at Dad's CCRC appears to be as incompetent as John Hancock, since the staff assured us that aides would be covered.
I've been reading a very long thread about geriatric finances that involves John Hancock LTC which was started by Nords in 2011. I've been reading for hours and am still not done. He had a terrible time with Hancock incompetence and foot dragging, apparently.
So.... any rays of sunshine out there about John Hancock LTC?
Another question : how does one find a competent elderlaw attorney besides internet searching and word of mouth from fellow ccrc residents? I think it might save my sister and I both aggravation and money by spending a few thousand on a 'good' elderlaw attorney, both in handling the ccrc staff and John Hancock. The state is NJ.
Thanks, J G III
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