A common misconception about Long Term Care Insurance is that only seniors need to plan for it. However, more younger people than ever are incorporating Long Term Care needs into their financial plans. In fact, one-half of current Long Term Care Insurance policy owners purchased their policies before age 65. 

John Hancock has been a dependable LTC insurance carrier for the State of Wisconsin program since 1999, and Senior Care Insurance has been the marketing agency.

The John Hancock Life Insurance Company represents stability, financial strength and dependability for your future care and estate conservation. 

 

The Prudential's new Long Term Care Insurance plan
Evolution emphasizes home care benefits as well as traditional coverage in assisted living and nursing home facilities.  Home care benefits include:

  
      Skilled & Unskilled Visits
  
      Home Modifications
   
      Emergency Response System
   
      Homemaker Services
   
      Necessary Medical Equipment
   
      Monthly Cash Benefit- Rider to allow for the use of family
      and friends to provide care or other pertinent expenses
     
      Primary Care Giver Training
  
      Return of Premium- If the  policyholder dies prior to the
      age of 65, there is a refund of paid premiums less any
      claims paid. 

      Zero Day Elimination Period- optional rider for HHC   

      Double Coverage for Accidents- If you need care as the
      result of an accidental injury that occurs before age 65,
      actual Long Term Care expenses will be covered up to
      two times your current daily or monthly benefit for the
      duration of your claim.  Benefits paid in excess of the
      daily or monthly benefits will not be deducted from your
      policy limit.

To contact us, or request more detailed information on the plan, please click on the Request More Information page at the top of this page.

Policy formLTC03WI: Premium will vary with the choice of
benefits selected.
Notice of Disclaimer: his insurance plan has been authorized by the Group Insurance board (Board) for the purpose of offering long-term care insurance to eligible State of Wisconsin employees and retirees under authority granted by Wis. Stats. 4055 and as set forth in wis. Admin Code EFT 41. The criteria the board uses involves meeting several requirements which include, but are not limited to: documentation of financial stability, demonstration of a reasonable ratio of claims paid to the premium level, authority to conduct business in the State of Wisconsin; agreeing to conditions for the rate-making process; and other administrative conditions. Department of Employee Trust Funds (Department) staff and the Board's actuary review proposals for participation prior to Board approval. However, the Board does not require competitive bids or a benefit comparison with similar products from other vendors. Authorization for payroll
deduction should not be construed as an endorsement of this
plan by either the Board or the Department. Long Term Care is underwritten by John Hancock Life

Insurance  Company, Boston, MA 02117
175-04052005-10423523

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