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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.
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Reply to worriedinCali
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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).
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Reply to CTTN55
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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.
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Reply to freqflyer
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??? Is there a question there somewhere?

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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Reply to Katiekate
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