I’m going to send you to a link that explains the Penn Treaty Rehabilitation. Notice that question #6 states that more money can be available if your claim exceeds the guaranty association limits.
You do have great benefits, so that could happen. And yes, you were being responsible by planning ahead with LTC insurance. It’s not your fault you were presented with this policy. Also notice it says the claims filing process is the same and there is information on that page how to do it. Read the part in your policy that explains how to qualify for benefits. If you believe you meet any one of those ways, go ahead and file a claim.
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