My Fathers Allstate Long Term Care contract is denying Assistant Living Coverage. The contracts specifically states nursing home coverage defined as :licensed ( not specified) 24/7 nursing care under supervision of Doctor and Daily records. His facility meets these criteria and I was told many documented times it was fine. Allstate is now denying benefits stating they only cover skilled nursing . That is not in the contract. Anyone else have similar issue? I am considering a Class Action Law Suit!