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Context: The policy is under my dad's name. He definitely needs help with daily living he used to be the primary cook, but can't stand more than 5 or 10 minutes these days due to chronic back pain that also makes housework nearly impossible. He also has mild cognitive impairment. My mom is an amputee, a fall risk and has many other issues that are very easy to document, but the policy isn't in her name. We just want to make sure we dot every "i" and cross every "t" to make the process as simple and quick as possible.

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Read the policy and see what the requirements are for paying for assisted living; my policy pays if there is cognitive impairment (unsafe to live without supervision) or inability to perform two activities of daily living (three for full DBA coverage for skilled nursing).

Unfortunately, cooking and and housework are not ADLs, so don’t focus on them in the application. See some definitions at the link below.

Will your Dad’s doctor sign a statement that says his mild cognitive impairment matches the policy’s definition of cognitive impairment? What care plan is recommended?

https://www.agingcare.com/articles/activities-of-daily-living-why-this-measure-matters-186853.htm

You will also want to question potential facilities regarding their policies or experiences with providing care to couples where only only one partner is insured.
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Thank you! This is very helpful...
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I wish you luck actually getting payment from them. We have been dealing with CNA LTC insurance since the first of April, and we really are no closer to receiving payment than we were when we started. We have jumped through every hoop, met every requirement, closed every loophole, threatened legal action. The assisted living facility has been very cooperative, sending every needed document, sometimes repeatedly, when CNA states they didn't receive it. The facility office manager said this is common with most LTC insurance companies she deals with.

Our parents bought this policy in 1995. My dad never used it, but Mom continued to pay, so this company has enjoyed 28 years' worth of my parents' premiums. Personally, I would rather just bank that money each month.
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JoAnn29 Aug 2023
I hope ur r sending the info certified mail. You now get a tracking # so you can prove that it got to its destination.
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