Does your policy cover "assisted living?"
I had a recent experience with an aunt who could no longer live alone. With no one to look out for her, she'd forget meds, leave the kettle on the stove until it was dry, ignore bills, etc. She had plenty of money so she moved, at the suggestion of and with the help of a neice, into a nice assisted living facility. There she ate meals in a dining room, had folks to clean her apartment, do laundry, take her to doc appointments and check on her multiple times per day. It seemed to work out well but was not covered by her long term care policy. When her niece investigated, she found out that had our aunt been penniless, Medicaid would not have paid for it either.
Can anyone comment? Where does the line between "nursing home" and "assisted living" get drawn and how do LTC policies fit into assisted living needs?