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Exceptions/Exclusions

Quick Answer

All Long-Term Care Insurance policies specify certain situations in which they will not pay benefits. These usually include care which is required as a result of an act of war, care required as a result of an intentionally self-inflicted injury, and care required as a result of alcoholism or drug addiction. Every insurance company has its own exclusions but they tend to be very limited and well defined.

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Detailed Answer

All Long-Term Care Insurance policies specify certain situations in which they will not pay benefits. These usually include care which is required as a result of an act of war, care required as a result of an intentionally self-inflicted injury, and care required as a result of alcoholism or drug addiction. Every insurance company has its own exclusions but they tend to be very limited and well defined.

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