My mother took a long term policy so as never to need a nursing home and have at home care. Beware they tell you one thing and when the need arrises you will have an unpleasant surprise. We were told mom would have full care available and when we needed help well the help was only non medical for a few hours a day and only after a 2 month waiting period...which they waved after much ado. Even then we were left with a bill they refused to pay. We paid in 30,000 to 40,000 and recieved less than 5,000 in help. Long term care policies beware ....they totally took advantage of my mother with no remorse .Read the small print don't take an agents word
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