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Being disabled and unable to carry out your financial responsibilities can be a very difficult time. We are here to help you through our Waiver or Premium and Waiver of Monthly Deduction. 

How It Works
 

You, as policyowner, may be eligible to waive paying the premium or monthly deduction provided:
     1.  Your policy is inforce
     2.  Your policy contract includes an active Waiver of Premium/Waiver of Monthly Deduction
          Benefit  and
     3.  You have been disabled for a duration of at least 6 consecutive months

Submitting a Claim

1. Call 1-800-387-2747 (John Hancock U.S.A.) or 1-888-267-7781 (John Hancock New York) to report the disability. (NOTE:  John Hancock must be notified within 12 months
    of the ongoing disability and during the lifetime of the insured.)
2. Within 4 working days of notification we will send you the Waiver of Premium Claim Form..
3. You will be required to:
    a)  Complete the form
    b)  Sign an authorization to obtain additional medical information
    c)  Obtain a physician's statement completed by a treating physician
    d)  Obtain a statement from your employer, under some circumstances
  

 


 

4. Send the Waiver Claim documents for

John Hancock (USA) and former Manulife Products  to:
  

Mailing address:
US Life Insurance Claims R-02
John Hancock Life Insurance Company (U.S.A.)
1 John Hancock Way Suite 1105
Boston MA 02217-1105

Overnight Courier address:
US Life Insurance Claims R-02
John Hancock Life Insurance Company (U.S.A.)
197 Clarendon St.
Boston, MA 02116

 


 

John Hancock Life Insurance Company of New York and former Manulife New York Products to:
  

Mailing address:
US Life Insurance Claims R-02
John Hancock Life Insurance Company of New York
1 John Hancock Way Suite 1105
Boston MA 02217-1105

Overnight Courier address:
US Life Insurance Claims R-02
John Hancock Life Insurance Company of New York
197 Clarendon St.
Boston, MA 02116
   5. Once we receive all required documentation, the claimant will be informed of a decision
    within 4 working days.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595

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