Sorry, i can’t shed a lot of light here. I’ve limited experience with LTC. That said, LTC contracts written over the last 20 years have a variety of components. Some, not only had ‘care’ provisions, but income continuation benefits as well. I.e. you could receive $1000/mo for discretionary Spending.

So, some of the benefit is medical reimbursement and other is considered income. The insurer should be able to provide a breakdown of benefits paid.