Merry Christmas, @beckboop13 !
My comments don't come from personal experience per se, but observations. And I have no concrete answer, even now. Several years ago after my husband passed, my daughter and her husband extended the same invitation to me. Like you, I have longterm care insurance. At the time, I was dealing with major back issues so had a medical team that I trusted here (6 hours from their home). As I moved through the journey of health care (hospital, rehab, and therapy) after 3 surgeries, I gained a rather shocking education of how the expectations of the level of care I was anticipating (based on prior surgeries years ago) had diminished. In checking with friends near and far about this, every one of them validated my fears about the severe depletion of ENOUGH trained caregivers in the "institutional" setting, be it hospital, rehab, skilled care, or nursing home. If I moved there, it would be no different. But I would have a daughter (and husband) who would either advocate for me or take on a better level of care on my behalf. On the other hand, now they are thinking of moving a state away (2 states from me) to be by their daughter and her family who have a newborn. So what I have concluded is, anything can happen, and if you are a person of faith, I think the only way you get peace about your decision is to pray and ask God for direction. I did and believe He lead me to stay where I am. Like I said, no concrete answers, but I do hope you find yours! 🫶🏼