Life insurance claims center
Life insurance claims center
Life insurance death benefit claim
Accelerated death benefit claim
The diagnosis of a terminal illness can change everything. Accessing an accelerated death benefit while the insured is living and funds are needed most can help support your entire family.
Disability benefit claim
If you're injured or seriously ill and unable to carry out your job responsibilities, we're here to help you continue meeting your financial obligations, so that you can concentrate on getting better.
Long-Term Care Rider claim
We're committed to supporting you and your loved ones through a long-term care event, providing benefits to help offset costs associated with a chronic illness or condition.
Take a look at our most frequently asked questions:
How do I report a death to John Hancock?
Filling out the online form is the quickest and easiest way to report a death to John Hancock, however you can also report the death to John Hancock (U.S.A.) via 888-887-2739.
Click here to learn more about the life insurance death claim process.
What is an accelerated benefit claim?
There are few greater stresses placed on any individual than those caused by terminal illness. The Accelerated Benefit Rider* allows for the acceleration of either up to 50% or up to 100% of the death benefit, depending on the terms of the policy rider if the insured has been diagnosed with a terminal illness. It helps give you the security that, should you become terminally ill, you have additional financial resources to tap into if you need them.
Click here to learn more about the accelerated death benefit claim process.
I purchased a disability benefit rider with my life insurance policy. Am I eligible to access my disability benefits?
You may be eligible for disability benefits if:
- Your policy is active
- Your policy includes an active Disability Benefit Rider
- The insured has been disabled for a duration of at least six consecutive months
Click here to learn more about the disability benefit claim process.
Eligibility requirements may vary based on the disability rider included on your policy.
Please refer to your contract or contact us at 888-887-2739 for more information.
How do I start a Long-Term Care Rider claim?
Please call our life insurance contact center at 800-387-2747 to initiate your request for long-term care benefits.
Click here to learn more about the Long-Term Care Rider claim process.
The Accelerated Death Benefit Rider provides a "living benefit" if the insured is certified to be terminally ill. Benefits may be taxable under current tax law and receipt of benefits may affect eligibility for public assistance programs. Benefit is payable to the policy owner. Please consult your tax adviser regarding the tax implications of benefits received under the Accelerated Benefit. This provision allows the insured to receive up to 50% or up to 100% of the death benefit of the contract, to a maximum of $1 million. Policy death benefit will be reduced by the amount of the accelerate benefit payable, plus one year’s interest. The interest rate charged is the policy loan interest rate. If the policy does not include a loan provision, the interest rate charged is determined monthly and is the variable loan interest rate on currently issued policies.
Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
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