Those old Allstate policies covered skilled care....in a facility with onsite medical staff 24/7. In other words, a nursing home/skilled nursing facility. so I think the problem is that people incorrectly believe that an assisted living falls under the same definition as a nursing home. They are not the same thing and an AL doesn’t provide the level of care that a LTC policy requires.
My mother had a 1991 LTC policy from Allstate, and it would not cover AL.
Fabulous policy...only 30 days exclusion, up to 1000 days of in-home care and up to 7 years NH care...per/day payout goes up every year...last I heard it paid $240something/day? for facility care. Oh, and premiums returned after death of the policyholder (or if policy used, whatever remained of the premiums paid after any payout for LTC).
Waltie, there is always a common confusion when it comes to Assisted Living compared to a Nursing Home. Some tend to use each terms as one.
A Nursing Home it usually takes a village to take care of a patient. As Katiekate had mentioned, that isn't the case with Assisted Living.
My Mom was in a nursing home, she needed a lot of hands-on care, plus feeding, etc. My Dad was in Assisted Living/Memory Care and he needed just minimal care such as bathing and sometimes dressing.
the only long term care policies I have heard of require the beneficiary to be totally unable to care for themselves....which rules out assisted living. All the assisted living places I know of will not accept nor keep a resident that is incapable of caring for themselves.
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Fabulous policy...only 30 days exclusion, up to 1000 days of in-home care and up to 7 years NH care...per/day payout goes up every year...last I heard it paid $240something/day? for facility care. Oh, and premiums returned after death of the policyholder (or if policy used, whatever remained of the premiums paid after any payout for LTC).
A Nursing Home it usually takes a village to take care of a patient. As Katiekate had mentioned, that isn't the case with Assisted Living.
My Mom was in a nursing home, she needed a lot of hands-on care, plus feeding, etc. My Dad was in Assisted Living/Memory Care and he needed just minimal care such as bathing and sometimes dressing.
the only long term care policies I have heard of require the beneficiary to be totally unable to care for themselves....which rules out assisted living. All the assisted living places I know of will not accept nor keep a resident that is incapable of caring for themselves.