Long term care insurance can be used in an assisted living or a nursing home when a person needs assistance with 3/5 activties of daily living: dressing/bathing/eating/mobility/toileting. LTC insurance only kicks in at that time. Most LTC insurance can also be used to hire someone privately in the home when the same 3/5 needs exist but they pay less for that. Long term care insurance is most normally between the owner of the policy and the insurance company. The Assisted Living/Nursing Home does not usually get involved in that, from my experience as an Assisted Living Administrator. We have a long term care policy as well and that is how it will work if we ever need it. Long term care will not pay for assisted living unless you have significant daily activities of living care needs. Hope this helps.
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