Understanding Long Term Care Insurance
Advance Preparation

Services Not Covered

Like all insurance, long term care insurance policies contain limitations and exclusions. In general, long term care may not be covered if resulting from the following conditions:

  • Alcohol and drug addiction;
  • Illnesses caused by an act of war;
  • Wounds resulting from intentionally self-inflicted injury, such as attempted suicide; and
  • Treatment already paid for by the government.

All other conditions are generally covered after the policy is issued.

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