<p>My dad is a GM salaried retiree whose benefits are being drastically cut. He has paid for extended care coverage for many years, through CT General. He was informed that his extended care coverage is being cancelled, with no conversion privilege. The letter states that “the required contributions to extended care coverage allowed individuals to access ECC services for that calendar year if needed.” It also states that John Hancock Long Term Care is not affected. My father has CTG, not JH. Is there some difference between ECC and LTC? I am really clueless on this. I have been searching the internet, and everything seems to point to the right to convert extended care policies. What am I missing here?</p>
<p>At 75 & 79, living in FL, my parents can’t afford to try to get a LTC policy now (if it is even available to them, which it doesn’t even seem to be). Yet they thought their ECC would provide them long term care insurance.</p>