How can I get the most out of my mother's long term care benefits?

I don't understand Liamalover47's "put it into your investments" advice above. I have LTC ins. plus investments, but I don't know hoe to combine them.

Me, too, mflace. I do the same thing.

I also don't understand putting LTC in our investments. Ours is a separate policy. I am using his LTC monies slowly like adult day care plus some days in home care so...when it really gets bad it will be less out of pocket to cover memory care. I'm going to ck to see if memory care is one of their "words" since in 90's wasn't such a thing. If we only knew then what we find out now. They get lots of calls from me. They even make $ mistakes so I ck carefully.

mmthku and mlface: Okay, here is your answer. Do you have a financial advisor? If so, good ones like, e.g. Morgan Stanley can set aside a portion of your funds (that are making you money all the while) for long-term care.