Almost two years ago when we were admitting my father into a long term care facility the administrator asked if he had long term care insurance. Once he responded no, the administrator said “good, those plans never pay and are a waste of money”.Hope it is a decent company. Deny. Deny. Deny. From many people I know. One example is an individual who paid premiums for decades and is now 100 and needs care now. They denied the claim. The fight continues. And the legal costs are not cheap. Insurance companies suck.
Later I got an opportunity to visit with the administrator and informed her that I had been paying for long term care insurance for myself for the last few years. She looked at me and said ‘cut your losses and drop it’. I dropped it the next open enrollment.