- 29,516
It's all good. It's hard to interpret on here. You can not read between the lines too much. That's the problem here. People read something and "see" something totally different.
Still. How is this possible? Sounds like she isn't in hospice actually.
I stopped selling LTCi 10 years ago, if you're still selling it...what about calling the company and seeing just what the coverage is? What about ROP, non-forfeiture values, waiver of premium, how long is the elimination period, etc.? You're right, there're too many unknowns to give any real advice.