How does the Alternate Plan of Care work?

This week, Susan in Minnesota wants to know how the Alternate Plan of Care clause works in a long term care policy. Diane first shares what a Plan of Care is and then shares some examples of when the alternate plan of care clause helps both the carriers and the policy holders. Some contracts include this clause and some don't. It depends on what type of plan you have and when it was placed in force. Read your policy. Ask me for help if you don't understand what it says.