New Federal Program Description
The link below is a good description of the new Federal program with one clarification:
The Federal plan will pay informal caregivers for the duration of the benefit period. The 365 day limitation (and 500 days under the new plan) only applies to family members (parents, grandparents, siblings, adult children and respective spouses). An informal caregiver is a non-licensed caregiver who doesn't live with the insured at time of claim, but could move in after benefit eligibility is established.