My mom is receiving benefits from her long term care insurance while residing at assisted living. She seems to have improved enough to move to independent living. Dad lives with her in a tiny 425 sq. foot apartment & he is miserable. Because they are mentally intact, their only friends are the staff. The other residents are much more frail & "out of it." I'm tempted to move them to an independent living facility to hopefully improve their quality of life. I know that the LTC benefits would stop & we would have to start paying premiums again. But if she deteriorates again & needs a higher level of care, can benefits be reinstated? I cannot find any information about this in the policy or it's there but written in such a convoluted manner that I can't understand it. I don't want to call the company as I think that would be "sending up a flare" & key them into scrutinizing her case more closely & causing me to have to jump thru more hoops than I already have.