In today's world, things were are not like they once were. But. I wouldn't give up on getting any protection that you can. The loss of financial assistance can be one of the factors which drives us to bizarre behaviours which can be our undoing. That is why there should be more financial aid to people living with health issues which are crippling. Along with raising money for disease research, there should be more public empathy for those who struggle to survive because they can't take matters into their own hands. One has to be practically a paraplegic before assistance is offered, and we all know that PWP, have a difficult time because our problems are often masked by the fact that on a good day we can appear well enough to work, but only for short periods before our symptoms reappear in full force, and the nature of our disability shows it's true magnitude.
BTW Rev, can't you collect reduced " benefits for home- care" right now? Some LTC policies state that if you are incapable of functioning at a certain level, they will start your benefits and stop you paying any more.