Long-Term Care

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Long-Term Care Insurance

Provides certain benefits not covered by your medical plan, such as nursing home care and adult day care. Be proactive and plan for your future long-term care needs—and for those of your loved ones. Long-Term care coverage can give you the peace of mind that comes with knowing you are prepared for the future.

John Hancock (username: ers; password: mybenefit) is the carrier for the Long-Term Care Insurance.

John Hancock
John Hancock website
(800) 400-9396
Cost of LTC Insurance
Calculated on your age and the coverage levels you choose.

Long-Term Care program closed to new enrollments

John Hancock Life Insurance Company, the group Long-Term Care Insurance provider, stopped accepting new enrollments on January 1, 2012.

Employees or dependents who already have Long-Term Care Insurance coverage through John Hancock will continue their coverage. If you have questions about this decision or your Long-Term Care Insurance coverage, call John Hancock toll-free at (800) 400-9396.

Coverage Levels

1. Choose Daily Maximum Benefit
The maximum amount your insurance pays for all covered services received on any day.
2. Elect or Decline Nonforfeiture Benefit
For an additional cost, allows you to stop paying premiums for a reduced level of coverage.
3. Elect or Decline Inflation Protection Option
Daily maximum increases annually at a rate of 5% compounded, with no annual increase to your premium (additional cost).
Additional Benefits
Explanation of coverage.

Continuing benefits when you leave employment

Long-Term Care benefit payments may continue after you terminate employment if you are:

employed on the date the disabling condition began, and

enrolled in the coverage on the date the disability began.

If you retire or leave state employment, your coverage may be continued at group rates. You will continue to pay premiums directly to John Hancock.