Overfunded Long Term Health Policy?

Mom is 85 years old and has a LTHC policy. It has a lifetime benefit maximum which is currently at $385k which increases 5% per year. The policy has a provision where she can elect to receive a monthly cash payment of $2,775. Her SS, pension and annuity more than meet her expenses. She has $200k or so in a HYSA. I’ve always advised her to not take the monthly money out of her LTHC policy because of the uncertainties around length of stay if she ever needs it. However, after researching average

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