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Long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117.

ICC13-LTC-9750 5/13 Long-Term Care Policy Forms: ICC10-LTC-11 ICC12-LTC-12

Long-Term Care Insurance

Seminar & Sales Presentation

<Name>, <Title> <Date>

John Hancock Life Insurance Company (U.S.A.)

Help protect your assets,

your family & your future

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Your long-term care experiences

 Who needed care?

 Where was care received?

 How was it paid for?

 Who provided the care?

 How long did the person need care?

 Was the care expected or unexpected?

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Today’s agenda

 What is long-term care?

 What are the chances of needing long-term care?

 What are the costs associated with long-term care?

 Where is long-term care received?

 What are the funding sources to pay for long-term care?

 Is long-term care insurance right for me?

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What is long-term care?

 Long-term care is the type of hands on assistance you would need if you were:

 unable to perform some of the basic activities of daily living, or

 if you require substantial supervision due to a cognitive impairment

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Where is long-term care received?

 Your home

 Adult day care center

 Assisted living facility

 Nursing home

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What does long-term care cost?

National average costs according to John Hancock’s 2011 Cost of Care survey:1

Nursing home:

 $85,775 annually, private room

 $75,555 annually, semi-private room

Assisted living:

 $39,240 annually

Home care:

 $31,200 annually

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Who pays for long-term care services?

 Private/company health insurance/other

 Medicare

 Medicaid

 Personal assets/family

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Covering the cost of care

 Private/company health insurance

 Skilled acute care only

 Not designed to pay for long-term custodial care

 Private/company disability insurance

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Covering the cost of care

Medicaid

 State-run program intended to pay medical costs for the poor

 Generally covers only those with very little income

 Must “spend down” assets to state-required level2

 Usually only covers care received in approved nursing homes

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Covering the cost of care

Medicare

 Federal program intended to pay medical costs for individuals over age 65

 Primarily pays for acute care, for an injury or illness you can recover from

 Requires prior hospitalization

 Requires that you receive skilled care

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Covering the cost of care

Paying out-of-pocket

 Impact on your income and assets

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Benefits of John Hancock

LTC insurance

Helps protect your income and assets

 Frees you from having to depend on government programs or loved ones

Provides choice and control when you need care

 Coverage in a variety of care settings, including your own home

 Helps maintain independence and quality of life

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Benefits of John Hancock

LTC insurance

Provides the help and support you and your family will need if you need care, including:

A plan of care customized to your needs and preferences

Discounts at thousands of care providers nationwide3

Quality reports and information on providers and facilities in your community

Caregiver Support Services to support you if you’re ever called on to

care for a loved one

3. Caregiver Support Services is available after your policy has been in effect for 30 days, through a partnership between John Hancock and an independent third-party organization. Discounts and/or program may be discontinued at any time.

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Reasons to consider buying now

 The protection you buy for your future also covers you today, in the event of an unexpected accident or illness

 Your premiums are based on your age

 You must be in good health to qualify

 LTC insurance provides coverage that may not be included in your current financial plan

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John Hancock:

A Leader in LTC insurance

 More than 150 years of experience providing insurance products to meet people’s needs

 An unwavering commitment to our more than 1.3 million LTC insurance policyholders4

 More than $4.7 billion in claims paid on our LTC insurance policies4

 Financial strength ratings among the highest in the insurance industry5

4. Based on John Hancock internal data from 1987–2012. Total includes individual and group LTC insurance, and the Federal Long Term Care Insurance Program. Information available from John Hancock, upon request.

5. Based on analysis by major rating agencies such as A.M. Best, Fitch Ratings, Standards & Poor’s, and Moody’s. Financial strength ratings measure the Company’s ability to honor its financial commitments and are subject to change. The ratings are not an assessment or

recommendation of specific policy provisions, premium rates, or practices of the insurance company. To view our most current financial ratings, please go to www.johnhancockLTC.com.

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Thank You

This is a general description of coverage and is not an insurance contract. Refer to the Outline of Coverage provided by our agent for an explanation of features and options. Only the individual long-term care insurance policy

contains governing contractual provisions. You may request a sample policy to review such provisions.

The long-term care insurance policy describes coverages under the policy, exclusions and limitations, what you must do to keep your policy in force, and what would cause your policy to be discontinued. Please contact the licensed agent or John Hancock for more information, costs, and complete details on coverage.

This is an insurance solicitation. An insurance agent may contact you.

Long-Term Care Policy Forms: ICC10-LTC-11 ICC12-LTC-12

References

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