Long Term Care Insurance Coverage
Long Term Care Insurance Covered Services
A good long term care policy will cover all levels of care in nursing facilities and other residential care settings, such as assisted living.
Under home care, most long term care insurance policies include the community services of adult day care, respite care (temporary overnight care to
relieve family caregivers) and hospice care. Policies should cover personal care.
Assisted living residence services are either covered under home
care or alternate care or may be a separate long term care insurance policy benefit. Some long-term Care policies cover assisted living residences under nursing facility benefits. If you are interested in assisted living coverage, make sure you know how the policy handles this setting.
Long Term Care Insurance 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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