John Hancock not there when you need them.

[Mr_Ed]

my husband had an unexpected stroke due to a malpractice mishap at a hospital who has immunity.
The stroke was catastrophic, he has no cognitive ability, is bed bound, has breathing issues and his whole left side is damaged. I tried to call them on Monday, all you get is a recorded message that says don't call on Monday or Tuesday cause we are busy. I have called numerous times, tried register online, etc to no avail.
I finally after days of trying got some girl in India? who knows, that told me she couldn't help me because I wasn't him, I retorted that I was sick of this, this was nothing but a scam and that I was going to the Attorney general and Insurance commissioner. She finally relented and is going to send me the claim forms and sent me a statement of coverage. I left a call back message 3 hours ago and they just called back. again fromIndia, Pakistan or other third world location, who knows. I am glad we have the coverage but I am really scared that this is nothing but a device to collect funds and pay nothing out. I have a form filled out for the state insurance commissioner at the ready.

John Hancock approved my relative's claim in only three weeks.
Here's what we did:

Here's The Trick to Making Long-Term Care Insurance Claims Easy – Long-Term Care Insurance | A Place to Shop and Compare

 

[somarco]

keep in the the Sub Acute Rehab hospital as long as possible.As I understand medicare only pay for two weeks.

Page 7 outlines Medicare SNF coverage
https://www.medicare.gov/pubs/pdf/10153.pdf

Also read pg 17 regarding Medicare's criteria for the SNF benefit

All health insurance, including Medicare, approve claims based on medical necessity.

Info specifically regarding SAR
Questions and Answers About Sub Acute Rehabilitation for Inpatient Care