Long-Term Care Insurance
Using Your Bankers Life Long-Term Care Insurance for Home Care
Bankers Life is an insurer focused on retirement and long-term care products for seniors, and most Bankers Life long-term care policies are designed to pay for exactly this: ongoing help at home with daily living. Focus Family Care bills most Bankers Life long-term care policies and handles the claim paperwork, so your benefit goes toward the care your family needs.
Focus Family Care is a home healthcare provider. We do not sell, broker, compare, or enroll individuals in health insurance plans. We accept certain insurance plans as payment for eligible home healthcare services.
Quick Answer
Yes, most Bankers Life long-term care insurance policies pay for home care, including personal care, home health aides, and 24-hour care, once you meet the policy's benefit trigger, usually needing help with two or more activities of daily living or having a cognitive impairment such as dementia. Focus Family Care verifies your Bankers Life benefits for free and handles the documentation so the claim is paid.
Key Takeaways
- Most **Bankers Life long-term care policies pay for home care**, not just nursing homes.
- Benefits usually begin when you need help with **2 or more activities of daily living**, or have a **cognitive impairment**.
- Policies have an **elimination period** (a waiting period) and a **daily or monthly benefit** limit.
- Focus Family Care **bills most Bankers Life policies** and files the claim paperwork for you.
Does Bankers Life Long-Term Care Insurance Cover Home Care?
Yes. Long-term care insurance was created to pay for extended help with daily living, and most modern Bankers Life policies cover that care at home, not only in a facility. Covered home care usually includes personal care and home health aides, 24-hour or live-in care, respite care, companion care, and often skilled nursing. A small number of older policies are facility-only, so it is always worth checking your specific Bankers Life policy, and Focus Family Care reviews it and verifies your home-care benefits at no charge.
How Your Bankers Life Benefit Works
Your Bankers Life policy pays once you meet its benefit trigger. For almost all policies, that means either needing help with two or more activities of daily living, such as bathing, dressing, or transferring, or having a cognitive impairment such as Alzheimer's or dementia that requires supervision. A licensed nurse or physician documents this need.
Two terms matter. The elimination period is a waiting period (often 30, 60, or 90 days) you must satisfy before benefits begin, like a deductible measured in days. The benefit amount is the maximum Bankers Life pays per day or per month. Focus Family Care helps you understand both and times care so your Bankers Life benefit is used well.
What Bankers Life Long-Term Care Insurance Pays For at Home
Depending on your policy, Bankers Life long-term care insurance can pay for personal care and home health aides, 24-hour home care and live-in care, companion care and respite care, skilled nursing, and care coordination. A registered nurse writes and supervises every Focus Family Care plan, and every caregiver passes a Florida Level 2 background screening.
How Focus Family Care Works With Bankers Life
Bankers Life long-term care insurance usually works by reimbursement, so documentation matters. Focus Family Care bills most Bankers Life policies directly where the policy allows, and otherwise provides the detailed invoices, daily care logs, and plan-of-care documentation Bankers Life requires to pay a claim. A coordinator verifies your Bankers Life benefits for free before care begins and manages the paperwork throughout. Call (561) 693-1311 or get started.
Other Ways to Pay for Home Care
Long-term care insurance is one option. Families also use Medicare, Florida Medicaid and long-term care Medicaid, VA benefits, and private pay. See all long-term care insurance carriers we work with, or ways to pay for home care.
How We Know This
Focus Family Care is a Florida-licensed home health agency and nurse registry (License NR #30211928, HHA #299995403) accredited by ACHC. Guidance on this page is reviewed by the agency's Director of Nursing, and coverage details are verified with each family's insurance before care begins.
Sources
Frequently Asked Questions
Does Bankers Life long-term care insurance cover home care?
Yes. Most Bankers Life long-term care policies pay for home care, including personal care, home health aides, and 24-hour care, once you meet the policy's benefit trigger. A few older policies cover only facility care, so it is worth checking. Focus Family Care verifies your Bankers Life home-care benefits for free.
What triggers Bankers Life long-term care benefits?
Benefits usually begin when you need help with two or more activities of daily living (such as bathing, dressing, or transferring) or have a cognitive impairment such as dementia. A nurse or physician documents the need for Bankers Life.
Will Focus Family Care bill my Bankers Life policy directly?
Focus Family Care bills most Bankers Life long-term care policies directly where the policy allows, and otherwise provides the invoices, daily care logs, and plan-of-care documentation Bankers Life needs to reimburse the claim.
Does Bankers Life long-term care insurance cover 24-hour or live-in care?
Many Bankers Life policies cover 24-hour and live-in home care up to the policy's daily or monthly benefit amount. Focus Family Care verifies your specific Bankers Life benefit before care begins.
Request Home Health Care Today
Focus Family Care starts care in as little as 24 hours. Call now or request an in-home assessment. We answer around the clock.
515 N Flagler Drive, Suite 350, West Palm Beach, FL 33401