Bathing, continence, dressing, eating, toileting and transferring are examples of this.
What are the Activities of Daily Living?
100
The maximum amount the policy will pay for each day of covered services.
What is the Daily Benefit?
100
The average duration of a claim.
What is 2.5 years?
100
Physician’s charges, Hospital charges, disposable medical supplies and transportation are examples of this.
What is not covered by the LTCI policy?
100
The 2 lines of business of JH LTCI
What is Retail and Group?
200
These are activities that are not required to sustain life. Examples include, handling finances, grocery shopping, doing laundry and transportation to stores.
What are Instrumental Activities of Daily Living?
200
The number of days where you must be eligible for and pay for the covered services before the policy begins paying.
What is the Elimination Period?
200
The average hourly cost of a Home Health Aide in the US?
What is $19/hour?
200
This is care that requires no medical knowledge but provides personal care, such as assistance with bathing or dressing. This type of care can be done by a Home Health Aide/Certified Nursing Aide or a family member/friend.
What is Custodial Care?
200
The number of Retail JH products we administer in the LTC Benefit Center.
What are 16 John Hancock Products?
300
The time during which payments for covered services will be made under the LTC insurance policy.
What is the Benefit Period (BP)?
300
While the policyholder is on claim, she or he does not have to pay for his or her policy once this provision is met. The policyholder will resume paying for the policy when they end the claim.
What is Waiver of Premium?
300
The number of “Active” claims currently adjudicated by the Retail Claims Department (round number).
What are 18,000 claims?
300
This is a facility which primarily provided inpatient skilled nursing care and related services to patients who require medical, nursing or rehabilitative services but does not provide the level of care or treatment available in a hospital.
What is Skilled Nursing Facility/Nursing Home?
300
The first year JH had a Retail Claim initiated.
What is 1988?
400
John Hancock will pay to save a policyholder’s bed/room in a facility if the policyholder has to leave the facility and go to the hospital.
What is the Bed Hold benefit?
400
An addition to a policy that becomes part of the contract and expands or limits the benefits payable.
What are Riders?
400
The #1 Claim Diagnosis.
What is Dementia?
400
This is a facility that is for people needing assistance with Activities of Daily Living but wishing to live as independently as possible. It bridges the gap between independent living and nursing homes.
What is Assisted Living Facilities?
400
The amount of money John Hancock has paid in claims to date.
What is $2 Billion?
500
Services provided to the policyholder that include assessment, developing a care plan and assistance with implementing appropriate services.
What are Care Advisory Services?
500
This benefit allows for payment of Durable Medical Equipment, Home Modifications and the rental of an Emergency Response System.
What is the Stay at Home Benefit?
500
The average annual cost of a Semi-Private Nursing Home Room.
What is $67,000?
500
This type of care is social and health-related services provided during the day in a community or group setting. The purpose of the program is to support frail or impaired elderly or other disabled adult who can benefit from care in a group setting. It also provided the informal primary caregiver a break.
What is Adult Day Care?
500
In 1996, the Heath Insurance Portability and Accountability Act (HIPAA) with passed into law. HIPAA allowed for this new type of LTC Insurance Policy.