Yeah,
It's frustrating.
I might invite DavidD66 to respond to your post. He was the one who provided "reinforcement" to the position that one cannot double dip, but I was a bit skeptical then and even more skeptical now.
Key assertions being that long term care benefits are not reimbursements and they are not "medical expenses paid by an insurance company", but rather they are contractual payments based on an insurance contract that are independent of medical expenses, not all that different from life or auto insurance.
Again, if long-term care benefits are considered reimbursements for medical expenses, then this amounts to EFFECTIVE taxation of those benefits by virtue of loss in medical expense deduction(s).
Thanks.
