My mom has pulminary fibrosis, demonstrates some memory issues, is on oxygen 24/7. She has mobility issues, needs help bathing and dealing with her oxygen machines. Her Long-term insurance stated that she needed to be living in assisted living before they could assess her abilities to qualify. Now that she has given up her daily routine and moved into a lovely assisted living program that she can not afford without her long term insurance... what in the world am I supposed to do. I think this system is cruel and heartless and I am stunned that they will not provide financial assistance especially after my mom has paid for years. Has anyone else experienced this?