My parents bought spectacular long-term-care policies in the 1990s. I had to invoke dad's policy when he went to a memory care facility because he qualified as having a "severe cognitive impairment" and the policy paid for 100% of his facility expenses for 3 years.
Mom went to an ALF almost 2 years ago, confused, wheelchair-bound, unable to walk and to perform many of her activities of daily living. After her living at the ALF for 4-5 months they put mom into daily physical therapy and (unfortunately) they built her up just enough that she can function with a walker and is now capable of bathing & dressing.
NOTE: She is a fall risk and is hospitalized about every 4-6 weeks with a fall & head injury, so my belief is that she needs "stand by assistance" and is not capable of living alone. She has horrible balance, confusion, etc. She was hospitalized less than 2 weeks ago. So far she has broken her hand, her back, her shoulder and her ribs, all as the result of falls in her home since she turned 70.
I am working on invoking the long-term care policy but the insurance agency has already hinted that she might be too "capable" of performing her ADLs. Sigh...so if the policy rejects her, she will probably run out of money in a year or two.
I am an only child, mom has no other family or friends. I am not able to take her in or care for her, and, I will absolutely refuse. She is only 80 and her mother lived to 96 (so you see my potential dilemma).
I never ever imagined we would have to go down the Medicaid path. But, if the policy will not kick in, and she has established residency at the ALF for like 2-3 years, will they kick her out???????? I haven't broached the subject with the facility yet, I can't even discuss this out loud.
We are in Florida if that makes a difference. If they stick me with her my life is over. She has royally screwed the last 10-12 years of my life and honestly when she was in the wheelchair I finally had some peace.