Good luck -A friend of mine retired from the insurance racket and she bought long term care policies for herself and her lifes partner.Her partner was placed in a long term care facility and after 6 months of daily arguments the ins co agreed to pay 10.5 cents on the dollar spent in care.Even after they take the patients Social security check in lieu of payment its not enough to cover 18 cents on the dollar for care..After all the arguing her partner is in a Hospice facility and my friend at the age of 69 has filed bankruptcy on the medical bills.