National Training and Partnership Resource Guide

This National Training and Partnership Resource Guide is your one-stop resource for the latest information on the Deficit Reduction Act (DRA) Partnership Expansion as well as producer training requirements implemented by all states with mandatory LTC training. This guide is updated on an as needed basis and is posted on www.jhltc.com.


Reminder: In-force rate action being implemented for John Hancock and Fortis policies in late March

This is a reminder that we will begin the implementation of the next round of in-force rate actions on some older John Hancock and Fortis LTC insurance policies this month. Below you will find the state-specific details of the rate action, including the policy series and the percent of premium increase. Please note that these increases have been filed with and accepted by the respective Departments of Insurance in each state.


Guide to National Partnership Exchange Program

We are pleased to announce that our Partnership Exchange Program for long-term care (LTC) insurance will be implemented in various phases beginning the third quarter of 2009. As you know, one of the most complex issues associated with the implementation of the Deficit Reduction Act (DRA) Partnership legislation, passed February 8, 2006, has been to develop a Partnership policy exchange program that is streamlined, easy to implement and administer. The DRA did not include the grandfathering of existing policies for all insureds due to the potential near-term impact on states’ Medicaid programs. Our Partnership Exchange Program balances what we believe is in the best interest of our policyholders with the myriad of compliance requirements and operational considerations.

***FOR INTERNAL / AGENT USE ONLY - NOT FOR PUBLIC DISTRIBUTION***

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