Mental and Nervous Disorders
What Does 'Mental and Nervous Disorders' Mean?
Refers to a mental or emotional disease or disorder of any kind that does not have an organic origin. Both Alzheimer's and senile dementia are considered organic in origin.
More Information
Mental and nervous disorders include any mental or emotional diseases or disorders that do not have an organic origin.
Some Long-Term Care Insurance policies do not cover nonorganic mental and nervous disorders. Diseases and disorders with a nonorganic origin include alcohol or drug-related abuse, health conditions, or disorders.
Long-Term Care Insurance does cover conditions with an organic origin. Both Alzheimer's and senile dementia are organic in origin. Your policy should clearly state it covers Alzheimer's Disease, senile dementia, and other organic brain disorders.