Not a new perspective on the insurance, but on using residential LTC. Prior to this I had seen a really successfully experience for my grandmother in a small personal care home, and high quality inpatient rehab care post surgery for several friends and family. But after having seen this situation, and dealing with FIL in a multistage home across the country, I am now not so much a fan. They are guarded, no communicative, not using common sense, and hiding behind the telephone since they wont allow anyone in the building. Their resources and staffing are strained, I don't feel like they were advocating with their local and state systems to do adequate testing and infection control, and in summary Im very thankful FIL was well, and then rapidly so ill he needed to go to a high quality hospital (not the local one they suggested, but the better one we demanded). I feel better about him being hospitalized as they were just not monitoring and providing good care there.
They allowed FIL to make the decision NOT to move to skilled nursing when he got sick and NEVER called us to ask us, but then when he got sicker they called and asked what we thought. Well what we thought was maybe you should have asked us prior now that we know you wanted to move him and he declined, but now all of a sudden you are looping us in and letting us assist with decisions. Why the waffling? WHy let him make his own decisions last week and not even tell us what was going on, but now THIS week you allow us to be involved in his decisions. I should point out hes 100pct aware and lucid and speaking this entire time but we hold legal and healthcare POA for him.
So to answer the OP's question, which is a really good one, Im glad we have it in place for DH but I don't think I will look as favorably on ANY kind of inpatient anything for him, rehab or LTC. I want him in front of me where I can see EXACTLY whats happening. Luckily his policy pays 100pct of the daily benefit rate for inhome care also.