Definitions

FLTCIP 1.0
The FLTCIP's long term care insurance plan prior to October 1, 2009.

FLTCIP 2.0
The FLTCIP's long term care insurance plan prior to October 1, 2009.

Comprehensive plan
Under FLTCIP 1.0, a comprehensive plan includes home care coverage reimbursed at 75% of your daily benefit amount (DBA) or weekly benefit amount (WBA), in addition to facilities coverage reimbursed at 100% of your DBA (or WBA). Under FLTCIP 2.0, all of the plans are comprehensive and both home care and facilities are reimbursed at 100% of your DBA.

Facilities-only plan
Under FLTCIP 1.0, a facilities-only plan only covers care in a facility and is reimbursed at 100% of your DBA.

Need more help? Get answers to frequently asked questions about claims.

 

Identifying Qualified Caregivers

Identifying Qualified Caregivers

Our care coordination staff has access to more than 200,000 providers of daily care, home modification, skilled nursing, and much more to help you maintain your independence as you age. Through this network, we can help you find high-quality care providers in your area; share the results of state survey reports about service availability, quality, costs, and licensing; and arrange for discounted services. All providers must meet the qualifications established under the FLTCIP (and required documentation received) in order to be certified and included in an approved plan of care.

Care in your home

If you have comprehensive coverage, you may elect to receive care services in your home. Types of home care providers include:

  • Informal caregiver
    An informal caregiver is a person providing maintenance or personal care whose services are not arranged or supervised by a home care agency. An informal caregiver's services are typically arranged directly by you or a family member. In some instances, an employment agency may offer support in locating an informal caregiver. Informal care may be provided by a friend, relative, or private caregiver, as long as that person did not live in your home at the time you became eligible for benefits. Note: Benefits for care provided by family members are limited under your specific plan.
  • Required documentation:
    A copy of a valid driver's license or passport, and a valid Social Security number are required for each informal caregiver.
  • Formal caregiver
    A formal caregiver is a caregiver whose services are arranged and supervised by a home care agency (including visiting nurse associations and hospice agencies). Home care agencies must meet the laws of the jurisdiction in which they are located in order to be included in an approved plan of care.
  • Required documentation
    A copy of the state-issued license for the appropriate type of home care agency and a Federal Employer Identification number are required.

    Note: We will make reasonable attempts to obtain this information directly from the home care agency. However, we may ask for your assistance if we are unsuccessful in getting the information.

Care in a facility

You may also elect to receive care in a facility. A facility may be an adult day care center*, an assisted living facility, a nursing home, or a hospice facility. Facilities must meet the laws of the jurisdiction in which they are located in order to be included in an approved plan of care.

*If you are enrolled in a FLTCIP 1.0 plan, an adult day care center is only covered if you have comprehensive coverage, and it will be reimbursed at the home care rate of 75% of your daily benefit amount.

Required documentation:

A copy of the state-issued license for the appropriate facility and a Federal Employer Identification number are required. The facility must also complete the appropriate facility form.

Note: We will make reasonable attempts to obtain this information directly from the facility. However, we may ask for your assistance if we are unsuccessful in getting the information.

For detailed information about your specific plan and coverage, refer to the most recent FLTCIP Benefit Booklet we sent to you or review the downloadable PDF version within your online account.


Image of Cost of Care Tool.

Cost of Care Tool

Use our Cost of Care Tool to find the average cost of care in your area for different long term care providers, including home health care, assisted living facilities, and nursing homes. This tool is a great resource to help you compare average costs as defined by the John Hancock 2016 Cost of Care Survey with costs being quoted to you by local providers.

Go to Cost of Care Tool.