Quick Answer
Mental and nervous disorders are medical conditions induced by nonorganic means.
Detailed Answer
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.
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