Will long term care insurance pay family members?

Hello everyone. My grandmother has been in a skilled nursing/assisted living facility for about 11 years. My mother is retired and tends to her every day (sometimes twice a day). She's there so much she started volunteering to plan and run activities for the residents. My mother is a retired school teacher, she can't help herself! Anyways, after spending so much time in a LTC facility, she bought a LTC policy that pays for in home nursing care. I am a pre-nursing student now and I was wondering if anyone knows if these plans will pay me to take care of my mother. I know that no matter how good a facility or HHN may be, NO ONE will take care of my mother like I will. However, I am not independently wealthy and can not afford to have no income if I needed to take care of my mother. No, I am not becoming a nurse just for this reason and, honestly, at this point my strongest desire is pediatric nursing, but my mom is my . I would do just about anything for her. Has anyone done this? If it's even possible, is it a bad idea emotionally? Thanks in advance!
I guess that you would have to look at the terms of your mother's LTC policy. Most insurance policies are unique and carry different terms.

Quote from df77Hello everyone. My grandmother has been in a skilled nursing/assisted living facility for about 11 years. My mother is retired and tends to her every day (sometimes twice a day). She's there so much she started volunteering to plan and run activities for the residents. My mother is a retired school teacher, she can't help herself! Anyways, after spending so much time in a LTC facility, she bought a LTC policy that pays for in home nursing care. I am a pre-nursing student now and I was wondering if anyone knows if these plans will pay me to take care of my mother. I know that no matter how good a facility or HHN may be, NO ONE will take care of my mother like I will. However, I am not independently wealthy and can not afford to have no income if I needed to take care of my mother. No, I am not becoming a nurse just for this reason and, honestly, at this point my strongest desire is pediatric nursing, but my mom is my . I would do just about anything for her. Has anyone done this? If it's even possible, is it a bad idea emotionally? Thanks in advance!

Insurance policies do not usually pay relatives to provide care. In my homecare experience, some mothers went to nursing school thinking that they would be paid for caring for their own children, but they were told no. As mentioned above you should check the policy, but I think you will find that it will not be allowed.