My mother has moderate dementia and has had her driving privileges taken away by her state's DMV. Unfortunately, her insurance company (which will not be named) is one of the worst in the country for paying out claims (it has 5% of the LTC market but 30% of the complaints filed.) The company is vague about what is required: At one point they told me that to qualify she would need to have 24 hour a day supervision or they would not consider her dementia serious enough for the policy to kick in. (The policy does not state a requirement that the patient need 24/7 care for benefits to kick in; it talks about "continual care" which to me is rather vague.) Her doctor does not think she needs 24/7 care. At most at this point she needs someone in for a couple of hours every other day to remind her/assist her to bathe, oversee medication, light housekeeping, and driving her. One person in the company said 24/7 supervision did not necessarily mean someone had to be physically with her all day but was vague about what it did mean. Any suggestions? She is stil in her 90 day exclusion period and the company is giving me time for a doctor to write up a plan of care. If his plan only has someone in every other day for a couple of hours each visit, do you think they will deny the claim?