zlacker

I don't know about LTC insurance. I can tell you though; how it works in Texas where I live. If you want to go into a reputable facility, meaning one that is actually staffed and pays their staff a livable wage, it is very expensive; you pay out of your own pocket and after you had exhausted your savings etc. then they will apply for Medicaid on your behalf and use those government funds to continue your care.

As for me, when it is my turn, I plan to do "home attendant services". My understanding is that Medicare will pay, after a doctor has declared I am home bound, medical services at my home. I will have to arrange for meals, bathing, etc. out of my own pocket. When that time comes, I hope to find people at my church who are willing to do this. When it comes close to my time, I would need the doctor to say I need "at home hospice". Then an attendant will stay with me 24 hours a day and give me painkillers etc. until I pass in my own home.