I have had Long Term Care for our child for years. Now he is an adult and had had a breakdown, Paranoid, Cognative Disabilities after finding his frontal lobe is degenerating. He also has a 17 mm Pineal Cyst in his brain. He suffers from Complex Migraine Syndrome.

I contacted Bankers and asked if they would cover his having a caregiver in home after his breakdown. They said yes and also approved the company I chose.

When applying for the claim the started out with not being able to cover mental illness. Then it progressed to not being able to cover anything but cognative disablility. When we proved that was one of his issues they moved on to refusal to pay us back for not having the right kind of personal care.

No matter what we prove they stonewall us with another reason why they should not have to pay.

According to my agent, she is finding that Bankers Life and Casualty cronically does this and is being sued for this issue all over the country.

Beware of Bankers Life and Casualty. You can never speak to the same person twice, they constantly loose your documentation and make you resend your paperwork several times then deny you anyway.

I thoroughly agree with all statements from the people complaining about Bankers Life. My Mom signed up for this 10 years ago and had to pay a large upfront fee to get into this, then she has to pay them over $1700 every year to stay valid with this policy. BUT...they said that she quit paying, but the current Rep in Rockford, IL either lost her check or never turned it in for her yearly payment. They tried to cancel and we had to get a lawyer involved then. Now she is with 24/7 care at her home and they have given some Bull story about not having the CNA's certified, agency licensed, and whatever. We do have a CNA, also Peak Professional Home Care as the agency. They keep putting us off and my Mother is ready to go to Dan Kane...a Chicago lawyer. The stress is too much for her and myself as I have been trying to get this taken care of. My doctor has put me on stress reliever medication as I am not sleeping over this mess. She has gone thru over $50, 000 off her own money and they still keep putting her off. READY FOR A LAWSUIT !!!