My mother and father took out a JHLTC policy over 30 years ago and always made the payments on time. Two years ago dad goes in and out of nursing care facilities and in home care due to falls, memory loss, and dementia issues. Twelve months ago he was admitted full time to long term care. So Mom starts calling and emailing John Hancock repeatedly in an attempt to file a claim. No one from JHLTC responded. Recently she ask for help and I filed a claim several months ago on the JHLTC website which ask for lots of details. Weeks pass with no information, then a JHLTC nurse visit to assess dad. Then a month passes, no info so I call JHLTC and they tell me they don't have the info needed to proceed which was the exact same info I submitted on their website. Now they are claiming they don't know this provider and need an application and license. Well the administrators at the facility tell me they have dozens of patients using JHLTC. All this is BS and simply delaying tactics to avoid payments. Looking for a lawyer now as I can see this is headed to court as I expect huge issues from JHLTC with the effective date and trying to recover past payments. Service is everything, especially when you need it most. Trying to screw elderly people out of money they need for care is a special sin.