My 90 year old mother lives in an independent living facility but is in need of some help with her ADL'S. We do not want to use her Long Term Care Insurance until her health becomes worse tHan it is now. She has no assets and her income barely covers her rent. I have been told that she would not qualify for Aid and Attendance because of her LTCI even if she is not using it. Is that true? We are getting desperate for help. Thank you.