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You need to read the policy or call the insurance company. From what I understand, every policy is different. Some only pay a % of care. Some only for a period of time. Some may pay homecare, some not, only for an AL or NH.

Another post said ur Mom has paid for 25 yrs. Thats a lot of money. I would ASAP find out what it covers and start using it so she gets her moneys worth.
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It depends on the term of the policy, generally 2-5 years but it can vary, as each policy is different as to how much and for what duration it will pay for.
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