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Your imho going to have 3 interlocking aspects on this:
- what LTC Policy will pay & when. This from the insurer. If you do not understand it, then you have to get someone to explain it to you.
- how Medicaid views that payment for income (it’s a resource). You’ll have to make a copy of policy and it’s payout terms to accompany the LTC Medicaid filing. Imo you should expect to have time sensitive follow up from the caseworker on this and in detail
AND
- that the facility you are hoping to place your elder into accepts BOTH her LTC insurance as a payment source AND also has LTC Medicaid beds & take her as a Medicaid Pending starting the date she files the application.
Fwiw my mom’s 2nd and eons better NH did not take LTC insurance at all. Would not as just way too cumbersome paperwork & lots of foot dragging on payments. If my mom had had a LTC policy, she would not have been able to be there in a LTC Medicaid bed as she would have been turning down that LTC policy as an available resource.
Read the policy and see what is provided. Speak with medicaid advisors and with elder law attorney for specific advise about your Dad's case as these things are exceptionally complex and need reviewing for each individual person.