Back in 1995 when her policy was written assisted living wasn't even a thing. The policy says she will be covered for Alzheimer's disease which she has been diagnosed with. The policy says "A nursing home may be a distinct part of a hospital or other institution". She is in a locked Memory Care Unit and they provide every single thing for her. Has anyone else had this happen to them and how did they resolve it?
I try to warn people about LTC all the time. They will weasel out, often enough, for ANYTHING and everything, including some writing in the fine print that the facility must have an onsite RN 24/7, which of course none ever DO have.
As with getting reverse mortgage, these things work for some people, but for others they actually put a stop to getting help and getting care.
I sure do wish you good luck on this one and hope you will update us.