Context: The policy is under my dad's name. He definitely needs help with daily living he used to be the primary cook, but can't stand more than 5 or 10 minutes these days due to chronic back pain that also makes housework nearly impossible. He also has mild cognitive impairment. My mom is an amputee, a fall risk and has many other issues that are very easy to document, but the policy isn't in her name. We just want to make sure we dot every "i" and cross every "t" to make the process as simple and quick as possible.
Our parents bought this policy in 1995. My dad never used it, but Mom continued to pay, so this company has enjoyed 28 years' worth of my parents' premiums. Personally, I would rather just bank that money each month.
Unfortunately, cooking and and housework are not ADLs, so don’t focus on them in the application. See some definitions at the link below.
Will your Dad’s doctor sign a statement that says his mild cognitive impairment matches the policy’s definition of cognitive impairment? What care plan is recommended?
https://www.agingcare.com/articles/activities-of-daily-living-why-this-measure-matters-186853.htm
You will also want to question potential facilities regarding their policies or experiences with providing care to couples where only only one partner is insured.