I am relocating my 66 year old divorced uncle from New Mexico to New York state into an enhance assisted living facility. He has not used the policy but has been paying into it for 8 years. He has Parkinsons, Depression, Anxiety, severe Gluacoma and has mobility and sight issues. 1) Is it just a matter of asking the current insurance provider to transfer my uncles LTC from the state of New Mexico to New York? We haven't had experience doing this and wonder if the transfer will change the policy somehow.
2) What can we do to ensure that we do not lose any of the benefits during the transfer?
3) Is it recommend that the transfer be made before or after my uncle moves into the AL?