John Hancock Life Insurance Company has introduced its enhanced LTC insurance policy in Massachusetts, Nevada, Oregon and Vermont.

The policy, Custom Care II Enhanced, is now available in all states except California, Florida, Maryland, New Jersey and Tennessee, says Hancock, Boston, a subsidiary of Manulife Financial, Toronto.

Hancock also has added new benefits to the policy, including provider discounts, provider quality reports, access to alternate care services, and independent third-party review of claims. The policy also promises timely claims payments and lifestyle benefit changes, a feature that allows policy holders to adjust coverage when needs change, the company says