A Critical Illness Rider is NOT a Chronic Illness Rider

At John Hancock, we recently introduced a new, innovative Critical Illness Benefit rider. As you discuss critical illness coverage with your clients, make sure you understand the key differences between Critical Illness and Chronic Illness riders.


Critical Illness Riders

  • Triggered by a catastrophic health event (e.g., heart attack, cancer, stroke, etc.)
  • Protects clients during working years

Used to pay for whatever clients chooses, e.g., health-care costs, day-to-day expenses, and continued financial planning


Chronic Illness (or Long-Term Care) Riders

  • Triggered by the loss of cognitive function or inability to perform two of six ADLs (activities of daily living)
  • Protects clients during retirement years

Helps to pay for care costs associated with living a long life, e.g., home health care, assisted-living facility, or nursing home care


Learn more about our new Critical Illness Benefit rider
View Desktop Site