If you are anticipating trying to collect, read the term and conditions on the policy. OR...are you THINKING about getting a policy? Good luck. My bother has a policy and I told him good luck. You may have a bed if you need it but not sure if there will be someone to wipe your butt when you need it OR if the person will understand English. Why do I know? Mom was in three nursing homes and we decided we could do a better job. Places short on staff and many aids spoke broken English or were too young to give a crap...oh dear. I digress. Sorry.