Does anyone have experience with long term care insurance requirements?

If you need help I personally would contact LTC insurance consumer advocate and educator Phyllis Shelton at GotLTCi.com for advice. There are many ways to pay for long-term care and Phyllis can discuss all of them with you. She is a tremendous resource and helped me read my policy.

Roseformom: I see below that you've resolved your issue. That's good.

Thank you everyone! All is well. Ended up state licensed care person is able to come that day. I appreciate your help and replies!

Licensed means they are CNAs, Certified Nurses Aids. In my State, the Nursing Board certifies a person after 8 or 10 weeks training and passing a test. If your going thru an agency, their aides should have certification. You need to make it clear that any substitutions made must be Certified because that is what ur insurance allows.

Not sure how the billing goes. Does the agency bill the insurance company? If so, then they must have to send a copy of certification along for each aide you use? If they don't, they don't get paid and then u probably will get billed.

You really need to have this discussion with the agency u hire.

Each policy is different and one needs carefully to read and operate within the confines of the policy. Otherwise insurance can deny payment and they will be more than happy to do so.
You must discuss this with the policy people themselves and get things in writing; that is use email or any other paper trail you can prove.

Someone will probably give you a better answer but...
If the person you want caring for your wife is able to obtain CNA certification that might be a good option. It would also equip that person with a better knowledge of what to do. And the classes are not long and not real expensive.

Another thought would be that that 1 day that the unlicensed person is caring for your wife would be a day that the insurance does not pay for and you pay out of pocket.

If no one comes back with a better response the way to get the correct information would be to contact the insurance company and ask what the procedure would be in this case.