Which benefit would be typically excluded under a long-term care policy quizlet?
Asked by: Stefanie Labadie | Last update: November 18, 2025Score: 4.4/5 (11 votes)
Which benefit would be typically excluded under a long-term care policy?
Many long-term care policies exclude coverage for the following: Mental and nervous disorders or diseases (except organic brain disorders) Alcoholism and drug addiction. Illnesses caused by an act of war.
Which of the following is typically not covered in a long term care policy?
Final answer: Acupuncture is typically not covered in Long-Term Care policies, while services like skilled care, home health care, and custodial care are covered to meet the needs of senior citizens.
Which of the following is not a benefit trigger under long-term care policies?
Financial need is not a benefit trigger for long-term care policy benefits.
What are the common universal exclusions in a long term care policy?
Some of the more common exclusions in policies covering long term care services are: Mental illness, however, the policy may NOT exclude or limit benefits for Alzheimer's Disease, senile dementia, or demonstrable organic brain disease. Intentionally self-inflicted injuries. Alcoholism and drug addiction.
What Types of Long-Term Care Policies are Available?
Which benefit would be typically excluded or limited under a long-term care policy quizlet?
Under a Long Term Care policy, which benefit would be typically excluded or limited? Addictive behavior rehabilitation is normally excluded or limited under a Long Term Care policy.
What are the major exclusions of the policy?
The three major types of Exclusions are: Excluded perils or causes of loss. Excluded losses. Excluded property.
What is not an advantage of long-term care policies?
One of the biggest drawbacks of getting long-term care insurance is the risk of losing all the premiums you have paid over the years. If you end up not needing long-term care services, you won't be eligible for coverage. This means the money you've spent for coverage goes down the drain.
Which of the following categories of benefits are not covered by an LTC policy?
Long-term care insurance includes disability-based long-term care policies but does not include insurance designed primarily to provide Medicare supplement or major medical expense coverage. Acute care is not covered by LTC insurance.
Which is a common benefit in a long-term care insurance policy?
These policies must include at least 8 benefits: a nursing home benefit, an Residential Care Facilities/Residential Care Facilities for the Elderly benefit for assisted living and the 6 home care benefits: Home Health Care, Adult Day Care, Personal Care, Homemaker Services, Hospice Service, and Respite Care.
What does long-term care not cover?
Long-term care insurance typically doesn't cover care provided by family members. It also usually doesn't cover medical care costs—those are typically covered by private health insurance and/or Medicare.
What is covered under a long term policy?
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
What is a functional assessment for long-term care benefits?
Functional assessments are tools that states, providers, and managed care plans use to collect comprehensive information on persons applying for, and participants in, Medicaid home and community-based services (HCBS) and long-term services and supports (LTSS) programs.
What is an excluded benefit?
Excluded Benefits means vacation days or vacation pay, sick days or sick leave, maternity leave or other leaves of absence, termination or severance pay, pension benefits, ERISA coverage and similar contributions, and payroll taxes, worker's compensation and benefits in excess of the percentage limitation provided in ...
Which of the following is not an allowable exclusion for long-term insurance policies?
The correct answer is: b. Acute care Explanation: 1. Acute care is not an allowable exclusion for long-term insurance policies. Acute care refers to the treatment of short-term illnesses or injuries that require immediate medical attention and are typically covered by health insurance policies.
Which of the following is an exclusion under a health insurance policy?
Some examples of often-excluded services include cosmetic surgery, vasectomies, weight-loss drugs and bariatric surgery, abortion, acupuncture, dental care on a health insurance policy, etc.
What is excluded in a Long Term Care policy?
Attempted suicide or an intentionally self-inflicted injury. Resulting from alcoholism or drug addiction (except for an addiction to a prescription medication when administered in accordance with the advice of a Physician). War or any act of war, whether declared or not.
Which of the following does not trigger benefits under a Long Term Care policy?
In long-term care policies, benefit triggers are essential activities that determine eligibility for coverage. Among the options listed, sleeping is not typically considered a benefit trigger, while eating, toileting, and continence are. Therefore, the correct answer is C) Sleeping.
What is not covered under a health benefit plan?
Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.
Which of the following is not covered under a long-term policy?
The correct answer is option A. Acute care in a hospital is not typically covered under a long-term care policy. Long-term care policies are designed to provide coverage for individuals who require assistance with daily activities and prolonged care due to chronic illnesses, disabilities, or cognitive impairments.
What is the disadvantage of long-term plan?
Disadvantages of Long-term Goals
Long-term goals can sometimes feel overwhelming, as they require sustained effort and patience, and progress may not be immediately visible. Setting overly ambitious long-term goals can lead to frustration and discouragement if they are not met within the desired timeframe.
Who would most likely benefit from long-term care insurance?
In order to maximize insurability and any potential health rate discounts, we recommend a target age range between 45 and 65. Clients with many chronic illnesses will likely not qualify for long-term care insurance, but they may be insurable for a short-term care insurance policy.
What are exclusions in health care policies?
Limitations are conditions or procedures covered under a policy but at a benefit level lower than the norm. Exclusions, on the other hand, are conditions or procedures that are completely omitted from coverage.
What is typically excluded from life policies?
It is advised that you are covered for all eventualities, rather than only accidental death. Exclusions for illegal or intentional acts. Many policies have an exclusion in which the death benefit will not be paid if you die while under the influence of drugs or alcohol, or while committing an illegal act of any type.
What are exclusions for?
Definition: Exclusions are the cases for which the insurance company does not provide coverage. These are the conditions excluded from the insured event to avoid losses to the company.