Depends on the policy . And the situation. I take your question seriously. We were unable to care for our mom at home . The nursing home cost $6,000 per month and it was not one of the expensive ones either. We paid out of pocket for 13 months. Prior to the nursing home she lived in assisted living for about 15 months. Four children. One estranged and lived out of town. Two single.....have to work full time. One married. (me) I lived 3 hours away. Mom required 24/7 care after two strokes and dementia. No long term care policy in place. The policies are very expensive.
Sandy