I'm trying to get John Hancock to approve me as an independent care provider for my mom (she lives with me and I'm her full-time caregiver). Because I'm immediate family, JH will only let me be reimbursed if I work for a home health company (which I do) but having to go that route eats up over half of her monthly benefit amount because the hourly rate charged by the home health company is so much more than my hourly wage. I'm wanting to keep as much money in her policy so that it lasts as long as possible.
Moving her to a facility isn't an option (personal family decision) and we're not wanting additional home health people coming in and out with Covid because any respiratory distress or illness is life threatening to my mom.
Has anyone gotten the terms of their LTCI changed due to Covid?