Quote:
Originally Posted by Chi-Town
LTC insurance is reimbursement. Not an acceptance issue.
Sent from my VS995 using Tapatalk
|
Yes reimbursement AFTER you have been accepted to start receiving it. You need to have some of daily living needs, 2 to 3, to be able to use the insurance you pay for. So if you are independent and moving into assisted living, you cannot use it. But if you have a few needs of daily living, such as mobility, eating, dressing, bathing/bathroom, or if you have memory care, then you should be accepted to use it. Read your policy carefully and also try to get one that allows you to bring help into the home in case you prefer that option.