LTC Insurance Providers: Bankers Life and Casualty
Bankers Life and Casualty Company was established in 1879 and today is focused exclusively on the needs of senior Americans. They offer a broad portfolio of insurance products including long term care, life, annuities and medicare supplement. In addition to their line of insurance options, they also offer Bankers Health Advantage Program, which enables enrolled members to significant prescription discounts. This commitment to ensuring the safety and comfort of their members is a defining feature of their products, as they offer comprehensive benefits customizable to your unique needs.
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Bankers Life and Casualty Long Term Care Products
Bankers Life and Casualty's LTC insurance policy provides benefits that help pay for nursing home care, home health care and comprehensive care (both nursing home and home health care). The specific details plans available can vary from state to state but their core products remain consistent. Some items that will vary from policy to policy and can affect the premiums are:
Elimination Period – The length of time for which a long term care insurance policy will not pay benefits for services covered by a policy. The longer the elimination period, the lower the premium.
Type of Facilities – The facility choices covered by your benefits may include Adult Day Care, Assisted Living Facilities, At-Home Care, Homemaker Services, Hospice Care
Inflation Protection – This is an insurance policy option that calls for regular increases in benefit limits to help offset the future increases in long term care expenses.
Married Couple or Married Person Discount – A reduction in the insurance policy premium when both spouses have Long Term Care coverage.
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Bankers Life and Casualty Credit Ratings
Standard & Poor's: BB+
Moody's: Baa3
A.M. Best: B++
Fitch: BBB+
Long-Term-Care.org is not a long term care insurance broker or carrier, and we cannot issue insurance policies. This site provides free information on insurance providers and coverage options. We are not associated with the company or companies profiled on this page, and we make no representation, express or implied, that you will receive a quote from the specific company profiled herein. Products and policies may not be available in all states, and product and policy information is subject to change without notice. Please direct all insurance questions to your insurance company or broker.
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