My mom has a long term care policy and she has been living in an assisted living apt with a lot of assistance ... my sister finally got the policy to start paying for some of her care. It took a lot of work to get them to pay and I still think they should be paying more than they are. We have now moved my mom to the Memory Care Unit in the same complex and they are still paying some each month. It takes a lot of follow-up. If an older person doesn't have someone to help them out I think they would be out of luck.