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She thinks she is one of those folks who doesn't need help. In order to have a successful claim one must need help with at least 2 "activities of daily living." She will tell anyone who asks that she is just fine. If this happens during her assessment the claim will be denied for sure.

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Do you have POA and letters as to her incompetency from physicians. I am so sorry to tell you that my own experience as a nurse with LTC insurance has not been good. The fact is I am seeing people take out LTC by putting their homes in Reverse Mortgage, only to find out their coverage is not what they think. A careful reading of these contract is crucial. Often LTC will not click in if there is not a 24/7 RN on duty. Trust me, that just doesn't happen in this day and age.
Worried for you. Read the LTC contract carefully. Get a lawyer to help if needed; it will be worth it. You will find out quickly enough if you need a Lawyer letter or if the situation is quite hopeless. Wishing you the best of luck.
I am wishing you so much luck and hoping you will update us, as this is a problem for so many here.
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Here is a great article on things needed before filing the claim.

https://www.agingcare.com/articles/how-to-use-a-long-term-care-insurance-policy-198336.htm

You might also want to search on the forum “long term care insurance” and you’ll find many threads on this subject.

I hope this helps.
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Bumping you up to receive help.

Best wishes.
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