My mom got one for herself when there was no adult foster care. When she had to use it, it was submitted and denied at first. Fortunately for us, the owner wanted to keep my mom there and was willing to try to submit things to try to make it work. It finally did and paid well. It was the difference of about 1/2 the cost at first and moved up quickly as she was not able to help herself much toward the end. It started out with foster care not even being covered in 1990 (it hadn't been invented yet) and ended up with the appropriate medical care and was accepted. It may take a lot of work, but if you approach it from the cost point of view and have a place that is willing to work with you and the company, it may turn out helping a lot of different people. once you are in the system and collecting, most will no longer accept premiums..... good luck and expect a lot of work at first...