I just discovered the long term care insurance my mother took out about 16 years ago had no inflationary clause. Meaning after all these years of paying premiums, her maximum daily allowance is at 1999 rates - $100/day. Respite care is half that. She also has a 90 day exclusionary period for NH before they will enact the insurance. How doea this work with Medicaid or any VA Aid & Assistance? The policy is for around $75,0000, but cannot be cashed in, just used for care. ( It s better than nothing, but I think she would have been better off putting the money in an investment.) Too late for that, but need some advice. In the great state (sarcasm) of Illinois.