My father has been in dementia care for about four months, and in theory he has now satisfied the 100 day elimination period of his LTC policy. I am hopeful that the insurance company will start paying soon, because it costs about $7000/ month, which is rapidly depleting the assets available to mom and dad. Mom and dad both said that they would never go into a facility, or put the other one there, but then dad began to sundown every night, up wandering around, putting on all of his clothes, looking for car keys and matches. And he started peeing in the hall and on the bedroom carpet, and he forgot how to handle bowel movements. And once he forgot, there was no way to reteach him. And he can't really express himself intelligibly, so it is hard to know what he needs. Mom could take about a week of no sleep before she was at the breaking point. The choice really was the facility or full time care at home, because mom simply could not handle the physical task of handling dad's toileting, which is doubly miserable because of chronic diarrhea due to colon cancer surgery. All along mom told me that she would never put him in a facility, and I told her that was the hope, but we needed to be prepared. No preparations were made, so it was a fire drill when the breaking point was reached. It is definitely a contingency to prepare for.