Father is living in a full medical/nursing faciliy partially paid for through long term care insurance. He makes his own bed, bathes self, ambulatory- no walker or cane, feeds self,no bowel or bladder problems and should be living in assisted care because he is not allowed to go home. He has very mild cognitive impairment and I want to move him to an assisted living facility. Of course then mother will not receive the long term insurance dollars. What can I do. The nursing home of course wants to keep him., He asks nothing and needs no assistance from them. Is this fraud?