Just found out mom's only covers if she can't walk or eat (has to be both or no coverage?) I thought that her LTC would help her with home care needs and eventually a nursing home only to find out that apparantly her financial planner got her into only will kick in if 2 criteria AT THE SAME TIME are met -- can't walk at all (doesn't count walking with assistance). AND can't eat. That means can't lift a fork to her mouth. Doesnt' mean that she can't get/make her meals which she can't now. Doesnt' that make this LTC useless? I mean wouldnt' medicare cover these costs w/o LTC? My mother purchased this is the hopes that she would have something so she wouldnt' have to sell all her assets if she needed to go into a nursing home (Which right now she won't even entertain -- although I have). Now it seems she's paying for a policy that is b.s. and not worth having. Am I right? Anyone else out there with similiar stories or knows what this means?