many LTC units will supply a letter that indicates what % or amount of the payments is for medical care. the balance is non-deductible personal expenses. the letter comes out after year-end. call to see if they issue such a letter or can tell you % or amount that is for medical care.
I know nothing about the reimbursements so it depends on the policy as to how the reimbursement is determined. again you may need to call unless they issue an explanation of benefits (EOB) or something equivalent.
