My husband was in the hospital/rehab for over 5 1/2 months and we were looking toward possible long-term care for him. We have long term care insurance for both of us. He never qualified for his long term care policy because of the 90 day waiting period. He had to be in a skilled nursing facility or rehab for 90 days. He was in the hospital for the majority of the 90 days which did not qualify for the waiting period. He passed away in the hospital. It has me thinking about continuing my policy and wondering is it really worth the cost with the waiting period and restrictive conditions to qualify for waiting period. Thanks for your input...