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Your mother is 92. Does she currently HAVE a long term care policy you want info on? Because if you don't trust the company itself to provide accurate info, I'm at a loss as to who you WOULD trust. You can hire a lawyer to interpret the fine print, at your expense, but bottom line, the ltc company is the one who approves or disapproves the payouts.

Imo, you're best off getting the details directly from the insurance co and going from there.
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Reply to lealonnie1
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Not trusting is an excellent place to start on long term care policies.
It is CRUCIAL to read all the fine print as they are tricky and getting trickier. For instance some policies demand that there be an RN presence in the facility. Guess what, there never is. There may be one on call, checking medication orders, but that's it.

These policies get more and more expensive as you age and are nearer to needing them.
Sometimes these policies preclude your getting needed care help from the government as they provide a monthly stipend that raises your monthly income but that at the same time is not enough to cover your care.

There are many who love LTC. I am not myself a fan. But it's a decision I hope you will discuss with a good financial planner.

As to LTC, be very very careful. I would say the same thing about reverse mortgages. For some they are truly a godsend and they worked well for my own MIL. For others, not good. It is up to you, after all the information you can gather, to try to make your own best decision.
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Reply to AlvaDeer
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