My mother has received benefits from her LTC policy for five years. At first, I hired a home care company to send aides 2-3 hours a day to assist her. Six months ago, I got a guardianship -- she was deemed by the court to be mentally incapacitated. (She has vascular dementia.) After I got the guardianship I moved her to assisted living, because she needed more care than the aides were providing. The insurance company continues to pay (up the limits of the policy), but I noticed in the recent plan of care that they are stating that she does NOT have cognitive impairment. Rather, they are covering her because she is dependent in at least 2 ADLs. I wrote to challenge this determination because it's ridiculous. Should I be concerned as long as they are paying?