How It Works

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

Submitting a Claim

1. Call 1-800-387-2747 to report the disability. (NOTE:  John Hancock (U.S.A.) must be notified within 12 months of the ongoing disability and during the lifetime of the insured.)

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.