Long-Term Care

Long-term Care (LTC) insurance covers actual charges incurred for qualifying services, which includes:

  • Nursing home care
  • Alternate-care facility care
  • Community-based professional care
  • Informal care
  • Stay-at-home services

Depending on the type of service, benefits are subject to a maximum, which will vary based on the coverage level you choose. The cost for LTC coverage is based on your age when you became insured.

John Hancock will directly bill you and any family members who have enrolled for LTC coverage for payment of the premiums for coverage. Contact John Hancock by calling 1 (800) 222-6814.


Effective February 1, 2019, Citigroup no longer sponsors the Long-Term Care (“LTC”) Insurance Plan. If you enrolled the LTC coverage prior to January 1, 2012 and you continue to pay the requisite premiums, you will maintain your long-term care benefits. Participants would have received communications from John Hancock regarding continued participation in the Plan and related benefits.