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== == It depends on the company and what she was in the assisted living facility for. The question "are you currently residing in, or plan to enter..." is the question on an application that would deny coverage. People could be residents of a facility that would not harm their chances to get future coverage. Joint replacement- you could have someone that decides to stay in an assisted living facility during rehab. When the rehab is done they return home. Just because they were in an assisted livng would not be important for the future underwriting consideration.

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โˆ™ 2008-11-03 10:36:40
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Q: If your mother was in an assisted living facility for a short time but has now been independent for 3 years can she qualify for LTC insurance?
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How do we get long term care insurance to pay for assisted living care for mom?

Without knowing all the details, if she is already in an assisted living facility you cannot… she would be uninsurable. If she is in good health and could qualify for a LTCI policy, all policies will pay for her to be in an assisted living facility.

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