My Mother has an insurance policy that was to cover Assisted Living Accommodations in a facility that went bankrupt. They were bought out of bankruptcy by a chain of Facilities with the insurance policy intact. Mother paid $1,000 per month extra for this coverage for 14 years. Her facility changed their 'Assisted Living' section to "Personal Care" somewhere along the way. What is the difference in services? Is their a difference state by state? What does round the clock Nursing Care cover? Does it cover Nurses Aids? For three months we had the equivalent with Nurses Aid taking 1 x 8 hour shift and myself taking 2 x 8 hour shifts. Should the policy have covered this?