Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
Sadly, the government does not have any statute that would have mandated these long term care insurers to alter their policy terms, which are the binding contact between the insurance company and insured. Any changes in terms of an insurance policy plan description would have to be something negotiated between the insurance company and insured prior to you turning 65 and the plan terminating I am afraid.
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