Hello again. Thank you for your patience.
If your contract with the insurance company states that you have unlimited lifetime benefits, and those benefits include 8 hours per day, then the insurance company has no choice but to honor that contract.
I assume that you have already complained to the insurance company. If not, then you should do so immediately since it is possible that the insurance company will do the right thing on its own. However, if it does not, then you can file a complaint with the California Department of Insurance.
In order to file a complaint with the California Department of Insurance, you should click here: http://tinyurl.com/jnzxx4b
At the website, you will see a link for filing a complaint online.
If you file the complaint and the California Department of Insurance is of no help, then you can sue the insurance company for breach of contract. That of course, is a last resort, and will probably be unnecessary once you file a complaint.
Does that answer your question? Please let me know if you need clarification, as I am happy to continue helping you until you are satisfied. Also,please remember to provide a positive rating via the stars(and note that your positive rating is the only way that I'll get credit for helping you, so it is much appreciated!). Thank you. :)