Typical Exclusions in a Long Term Care Policy
Long term care policies may exclude coverage for conditions resulting
- Injury or sickness for which benefits will be payable under
any worker’s compensation claim or occupational disease
- Injury from declared or undeclared war.
- Suicide, attempted suicide, or self-inflicted injury.
- Injury resulting from alcoholism, drug abuse, or narcotics addiction.
- Injury resulting from participation in a felony, riot, or insurrection.
- Service in the armed forces.
- Injury or care that is already paid for by Medicare or by any
government program, except Medicaid.
Other exclusions may apply depending upon the long term care policy
you purchase. Exclusions may also vary between states and between
different long term care insurance companies. Make sure you understand
the exclusions before buying a long term care policy.