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... read full review »