I worked for BKC for two years, I personally saw or hear every excuse possible made to clients when it came time to get benefits paid. I emailed, sent registered mail, got home office people names and supervisor's assurances, things were being handled.
Ya, you guessed it, it dragged on, and on.
You name the excuse, the clients heard it. It took the insurance commissioner to get one client paid and LTC claim. I personally know a client that is currently getting the run-a-round about getting his LTC policy paid that he has been paying on for 15 years. It's been 9 weeks and still no money, even when the client has a two week elimination period. A field manager stated, "You pay the first two weeks, and then Bankers pays." Well, the money has run out, the help had to let go and Bankers is still reviewing the case! I could write more, but it almost too much to be true... One word - Beware!
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