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Bankers Life and CasualtyHome Care Insurance

Last year my mother needed home care for about 7 weeks during cancer treatments. I have had nothing but trouble contacting Bankers in Chicago or the local office in Topeka, Kansas, and getting the correct forms. When I finally was sent the correct forms, a good six months had passed, but I tracked down 25 caregivers to fill out the forms I should have been sent when I first asked for this material. When I called to ask questions about the form (it was difficult to tell if it should be completed by the week or by the caregiver) I was told that none of the agents could meet with me because they were all out selling policies. When I said, "So, you are more interested in selling new policies than backing up the ones you have sold, " I got an 8:00 a.m. appointment with a representative who couldn't understand the forms either.

I had finally sent everything off and called the Chicago office to find out the status of the claim. I was told that it was difficult to understand the forms and to photocopy everything, receipts, forms, the spreadsheet I had made, etc., and resubmit it. Last week I got a letter accusing me of trying to file a duplicate claim! In the meantime, the check for one week of care that had been received was unable to be deposited and had to be returned. Calls to the Chicago office have been frustrating, they are rude and unhelpful, and only once have they bothered to return my calls.

How in the world does a sick and elderly person file a claim with these people? Do they hope the insured will just give up?


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    Betsy Fox Dec 10, 2015

    In April 2015, my mom in Missouri had a radio embolization done and needed home health care. She had purchased her policy in 2007 and always paid her premiums on time. We knew she would be out of pocket for the first 42 days, but it is December and we have only received payment for a few weeks of service, and only got those in the last 2 weeks. This has been a nightmare for my sister who has been trying to communicate with the company for months, always to be told to produce some additional documentation. It seems as if they make up new rules as they go along. We were never told that assistance with only certain activities of daily living (feeding, dressing, bathing) were covered until we sent in claims and they told us she didn't qualify for some days because she didn't meet the minimum number. Then, they made up some rule that the caregiver would have to call their office when she arrived at my mom's house and when she left. This also was not outlined in the policy. We feel we have been defrauded, and that they are doing everything within their power not to pay her claims. We are not sure what our next step will be - perhaps contacting the insurance commissioner.

    0 Votes
  • An
    Andrew David May 25, 2010
    This comment was posted by
    a verified customer
    Verified customer

    We are starting to see the same trend. My mother, sister and I met with a Bankers rep in Feb 2010 to discuss the final details of here in home care insurance. During the visit there were a few questions that the rep said he did not have the information on him but that he would get it to us the following week. We signed up for the police and wrote the check but have not been able to get a call back from the rep or the office manager. Over the next several months I left massages for the rep and then the reps supervisor to contact us but there was no reply. Last Tuesday my sister and I stopped by the new office location hand written on the card we were given but the receptionist said that no one was available but the office manager would be in touch with me the following day. We have not heard from anyone and while I plan to visit the office again this afternoon however it wouldn't surprise me at this point to find them closed and moved. I see that some of the replies are positive so I will remain hopeful.

    0 Votes
  • Ju
    Juny May 19, 2010

    I am in the process of trying to help my Mother decide whether to continue her Bankers Life Home Health Care policy. The rates are going up, no suprise. I have read through the policy several times. She has contributed some $40, 000 so far and her maximum benefit is $100/day with a fairly low maximum yearly benefit. The requirements for filing a claim (she has never had to do so, thankfully) seem rigorous along with restrictions on what will or will not be paid. Is there another company I should be looking at or is Bankers Life reputable.
    It appears to matter quite alot who the local service representative is.

    0 Votes
  • Ga
    Gary l Watson Jul 10, 2009

    It sounds terrible to begin with, but I might question if some of the communication difficulties might not have been directly attribuitable to you. Large corporation do not as a general rule become successful by ignoring customers and treating them badly. It might possible be a case of un-met expectations compounded by a lack of understanding of the situation.

    My father has a policy with Bankers for long term care, he is currently in a facility getting very good care for Alzhiemers. The have been very pro-active in getting information to my family and setting up appointment to discuss options to possible better improve his care.

    0 Votes
  • Wi
    William B. Palazzo Jun 18, 2009

    I have had Bankers Life and Casualty (Health Insurance) as a supplement to my Medicare for the past year and a half and have had no problems whatsoever.

    I have dealt with the Rhode Island Office and they have always been more than congenial. I have no complaints whatsoever. My agent, John Travers, is very concerned and follows up occasionally to see how I am doing. I think it is a great company.

    Bill Palazzo
    Coventry, Rhode Island

    0 Votes

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