George, age 79, has a long-term care policy for $100,000. He suffers a heart attack which restricts his mobility and he is confined to his home for 3 months. During this period, George receives in-home services from a nurse and a physiotherapist. 4 months later, George falls in the kitchen and breaks his wrist. Georges eyesight is also failing, so his son Derek finds a placement for his father in a nursing home. Which of the following CORRECTLY describes how the benefits will be paid from Georges long-term care policy