Personal care activities that may include bathing, dressing, eating, transferring, toileting, and continence.

Critical care provided by a doctor or other health care professional designed to treat or cure an illness, wound, or condition. This care is usually received in a critical care facility such as a hospital or acute rehabilitation center. Long-term care is not acute care. 

A program that provides activities and services to individuals in need of long-term care. Adult day care centers provide care for less than 24 hours per day. 

A special arrangement of services specifically designed to allow you to reside in a setting other than a nursing facility. It may be any combination of services to provide you assistance (e.g., home health care, home improvements, and durable medical equipment).

A residential facility that provides room, board, and 24-hour personal care to individuals with long-term care needs. It is a care option for individuals who are not able to manage at home, but do not need the level of skilled care provided in a nursing home. It may also be called a custodial care facility. 

If your stay in a nursing home or assisted living facility is interrupted, we will continue to pay benefits to assure a place will be available when you return to the same facility. The duration of benefits available varies; please check your policy coverage for details and specific number of days available. 

Your benefit amount represents the maximum amount of money per day or per month*, as chosen by you, that your policy will provide to cover your long-term care expenses. 

* The maximum amount paid per day is the daily benefit amount. The maximum amount paid per month is the monthly benefit amount. 

The minimum period of time (years) you can expect your coverage to last. 

Refers to the assessment and care planning by a home health agency, a care management organization, or an independent care manager. 

A licensed health care practitioner employed by or under contract with John Hancock or a care coordination organization. Services may include:

• A face-to-face assessment of your need for long-term care services
• A written plan of care
• Monitoring the delivery of services as may be appropriate

A person who helps you accomplish the basic everyday activities you can no longer manage without assistance due to illness, injury or cognitive impairment. 

An organization that is licensed, if required, and operated to provide care advisory services according to the laws, if any, or the jurisdiction in which it is located. 

A deterioration or loss in intellectual capacity that results in impairment in some or all of the following: short- and long-term memory, orientation to people, place and time, deductive or abstract reasoning (including judgment). 

Home health care, homemaker services, personal care, respite care, and hospice care rendered by a qualified provider in your home or adult day care provided in a qualified adult day care center. 

In some instances benefits that are available under your long-term care policy may coordinate with other insurance or government programs such as Medicare and Medicaid. Long-term care policies do not cover services, including co-insurance or deductibles when Medicare is covering your long-term care. In some instances your policy may be able to cover services in addition to those paid for by Medicare. For example, if you are receiving skilled home health care covered by Medicare, you may also be eligible to receive custodial home health care that Medicare is not covering. 

Charges incurred that are covered by your long-term care policy. Covered charges may include home health care, and both skilled and custodial room and board in an assisted living facility or skilled nursing facility.

Non-skilled, long-term care services aimed at maintaining your health and/or preventing deterioration of your functional status. 

The maximum amount your long-term care insurance will pay in any single day. 

A day that you receive qualified long-term care services from an approved provider.

Item(s) you rent or purchase, designed to be used in your home to assist you in performing the activities of daily living.

The set period of time, as defined in your long-term care policy contract, when John Hancock will not pay for expenses incurred. For some policies, the elimination period is dates of service, and in others, it is calendar days. Please refer to your policy’s definition. 

Federal health insurance legislation passed in 1996 that sets standards for long-term care insurance policies to meet in order to qualify for federal income tax advantages.

Non-medical professional who provides custodial care in your home.

Medical and non-medical professional or personal care services provided in your home. Home health care may include occupational, physical, respiratory, or speech therapy, as well as custodial and/or nursing care. 

Physical adaptations to a home that enable a person to stay and function in the home. 

The non-medical and incidental support services that are necessary for you to be able to remain in your own home, including meal preparation, laundry, light housekeeping, and supervising self-administration of medicine. 

Care intended to alleviate physical, emotional, or spiritual discomforts near the end of life. 

Your sickness or disease, as determined by a doctor. 

An accidental bodily injury that you sustain. 

A physician, a registered nurse (R.N.), a licensed certified social worker (LCSW), or any other individual who meets the requirements as may be prescribed by the Secretary of the Treasury. 

The total pool of money payable for covered long-term care services received while insured. 

Personal care and other related services provided on an extended basis to people who need help with activities of daily living or who need supervision due to a severe cognitive impairment. Long-term care can be provided at home, in a nursing home, assisted living facility, or an adult day care center.

Insurance that helps defray the costs of assistance with the activities of daily living or the costs of supervision due to a severe cognitive impairment. 

The minimum data set is a federally mandated process for clinical assessment of all residents in Medicare-/Medicaid-certified nursing homes. This assessment contains information in a variety of categories including, but not limited to: cognitive patterns, physical functioning, disease diagnoses, and treatments/procedures. 

The joint federal-state program that pays for health care services for individuals who meet their state's poverty guidelines.

A federal health care program for most adults age 65 and older and certain disabled individuals. It pays for long-term care under limited circumstances and for limited periods of time. 

The maximum amount your long-term care insurance will pay in any single month. 

Your policy will only pay covered charges in excess of the charges covered under Medicare, including amounts not reimbursable by Medicare such as a Medicare deductible or coinsurance amounts, (this means that your policy will not pay for your Medicare deductibles or coinsurance), other government programs (excluding Medicaid) or any state or federal workers’ compensation, employer’s liability or occupational disease law. 

Skilled or intermediate care provided by one or more of the following health care professionals: registered nurse (R.N.), licensed vocational nurse, licensed practical nurse, physical therapist, occupational therapist, speech therapist, respiratory therapist, medical social worker or registered dietician. 

A licensed facility that provides 24-hour-per-day room and board, nursing care and personal care services. Nursing homes also provide medical care, therapy, and other health related services. 

A tool that John Hancock uses to verify if an insured meets the benefit eligibility requirements defined in a policy. The assessment consists of a face-to-face interview conducted by a licensed health care practitioner. This typically takes place in the insured’s place of residence. The interview includes questions about the physical and cognitive status of the insured and may ask the insured to demonstrate functional status. 

The period of your claim and is measured from your first date of service and ending when there are 180 consecutive days for which you have not received covered services. 

A plan prescribed by a licensed health care practitioner that identifies services that meet your long-term care needs. 

The total amount from which you will be paid benefits for all covered care and services. All benefits will be deducted from the policy limit. John Hancock will not pay benefits in excess of the policy limit. 

Short-term care designed to provide temporary relief to your primary caregiver. Respite care may be provided in a skilled nursing facility, assisted living facility, adult day care, or your home. 

If included in the terms of your policy, this is when you are no longer eligible for benefits for a period of 180 consecutive days or more, and if you have not exhausted available benefits, we will restore the full policy limit. 

Nursing care that is performed by skilled medical personnel. It can be either in a facility setting or at home. (Note: Medicare and Medicaid have their own definitions of "skilled nursing care" which do not necessarily match those in long term-care insurance policies.) 

Generally a state-licensed institutional setting that provides skilled care by skilled medical personnel. This care is available 24 hours a day and is ordered by a physician under a treatment plan. 

Additional funds available that can be used to pay for a variety of long-term care expenses while you are living in your home that are not otherwise covered under the policy.

• Home modifications
• Emergency medical response systems
• Durable medical equipment
• Caregiver training
• Provider care checks
• Home safety checks

Hands-on or standby assistance from another individual while you are performing activities of daily living. 

Continual supervision, due to your cognitive impairment, by another person that is necessary to protect you from threats to your health or safety. 

A type of policy that requires a licensed health care practitioner to certify, on an annual basis, that the insured is unable to perform, without substantial assistance from another individual, at least two activities of daily living due to the loss of functional capability for a period expected to last 90 days; or that the insured requires substantial supervision to protect him/herself from threats to health or safety due to the presence of a cognitive impairment. Benefits paid from a tax-qualified policy are intended to be income tax free. Any further tax-related questions should be discussed with a tax professional.

This feature helps you to avoid an unintentional lapse of your coverage by giving you the opportunity to designate a person to receive a notice of cancellation in case of nonpayment. This person is called a third-party designee. 

A billing standard used for Medicare charges. Charges outlined on the UB04 may help credit your elimination period. However, we are unable to accept a Medicare Explanation of Benefits in place of the UB04. You should contact your long-term care service provider to obtain a copy of any applicable UB04 forms. 

A provision of your policy detailing when premiums are no longer payable because your elimination or qualification period has been met. The trigger for this benefit varies by policy. It is imperative that you continue to pay premiums until you have received confirmation from John Hancock that your policy is in a waiver of premium status. In the event that your claim closed for any reason, premium payments would resume. Check your policy coverage for details.