Yes, we interviewed the MetLife agent when we were considering whether to by LTC insurance. We talked about activities of daily living (ADLs)—what they are and what is required to trigger qualification for benefits.
I know my aunt paid for decades for her LTC insurance but didn’t qualify for benefits until her LAST month of life, even though needed and had help from family members for many months—she wasn’t officially disabled enough.
My lung condition is pretty challenging but it won’t prevent me from being able to performing ADLs—maybe more slowly and painfully but still able to get them done.
People with heart attacks, stroke, dementia, paralysis are more likely to be able to meet criteria but appeals may be required.