LTC insurance is a scam. They will do everything they can to not pay, and most LTC facilities have an organizational structure that makes that possible.
ltc in Japan is closer to medicare in the us. Its run by the city and is need based and they can deliver services to the home. You get a case manager who contracts the services and then you might have a copay or deductible.
LTC insurance is a scam. They will do everything they can to not pay, and most LTC facilities have an organizational structure that makes that possible.