Which of the following is not covered under a long-term care policy?
Asked by: Bonita Toy | Last update: August 12, 2025Score: 4.8/5 (18 votes)
Which of the following is not covered by long-term care insurance?
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 not included under long-term care?
Custodial Care, which is non-medical care that helps individuals with their daily basic care, such as eating and bathing, is also often covered. However, Hospital Acute Care, which tends to be more intensive and shorter in duration, is generally covered under regular health insurance and not long-term care insurance.
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's NOT Covered In A Long Term Care Insurance Policy?
Which level of care is not commonly covered under a long-term care insurance policy?
Which level of care is NOT commonly covered under a long-term care insurance policy? Long-term care insurance does not cover medical care. Medicare, Medicaid, and individual medical expense insurance cover this expense.
What is not covered in term plan?
Death due to Pre-existing Health Concerns:
Even death occurring due to terminal illnesses is not covered under a term plan. These can include diseases such as fourth-stage cancer, particular kinds of diabetes, etc.
What are common exclusions found in LTC policies?
- 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.
Which of the following types of care is typically not covered in a long-term care policy Quizlet?
Addictive behavior rehabilitation is normally excluded or limited under a Long Term Care policy.
What are the three main types of long-term care insurance policies?
- Standalone (traditional) long-term care insurance.
- Long-term care insurance rider.
- Linked-benefit long-term care insurance.
What does no long-term care policy may exclude?
A long-term care insurance policy or certificate, other than a policy or certificate that is issued to a group, may not exclude coverage for a loss or confinement that is the result of a preexisting condition unless the loss or confinement begins within six months following the effective date of coverage of an insured ...
What types of procedures usually are not covered by insurance?
- Cosmetic Surgery. This one is pretty obvious. ...
- Lasik. ...
- Infertility. ...
- Experimental and Off-Label Treatments. ...
- Organ Transplants. ...
- Chronic Disease. ...
- Dental Cosmetics.
What are the three major components of long-term care?
The long-term care delivery system has three major components: The informal system. The community-based system. The institutional system.
What falls under long term insurance?
The second type of insurance seeks to compensate you for life changing events such as death, retirement and disability, loss of life, injury and loss of income. This is called long-term insurance. For example: Health policies, Life and disability cover.
Which of the following is not covered by a health insurance policy?
Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies. If health coverage is denied, policyholders can appeal for exceptions or allowances based on an individual's situation and prognosis.
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 are not covered by long term care insurance?
Terminal illness
Long-term care insurance isn't designed to cover the extensive medical care often associated with a terminal illness. It's also not intended to pay for end-of-life care (e.g., hospice care), which is often covered by Medicare, Medicaid, and private health insurance plans.
What is non long-term care?
Short-term care is temporary, typically lasting from a few days to several weeks or months, focusing on rehabilitation and recovery following surgery, illness, or injury. The goal is to restore independence and facilitate a successful transition back to daily life.
Which of the following types of care is not long-term care?
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 an allowable exclusion for long-term care 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.
What are exclusions from coverage?
Insurance exclusions are policy provisions that waive coverage for certain types of risks or events. Policy exclusions create a balance between coverage for fortuitous losses (losses you couldn't have reasonably prepared for) and the need to remain solvent in order to pay those claims.
Which of the following may result in exclusion from a long-term disability policy?
The mental/nervous limitation is the most common exclusion in a long-term disability insurance policy. Although some insurers do not put limits on claims caused by mental and nervous conditions, you can expect to see this provision in your policy.
What are exclusions in term insurance?
Understanding the inclusion and exclusion clauses in term insurance is crucial for anyone purchasing a policy in India. Inclusions are the events or circumstances under which the policy will pay out, while exclusions are those under which the policy will not pay out.
Which of the following is not a feature on a term insurance policy?
cash surrender value is not a feature of term life insurance; this is typical of cash-value life insurance, which combines death benefits with a savings component.
What does term life insurance not cover?
You die in an act of war
If you travel to a war-torn area for business or personal reasons and are killed in crossfire, many term life insurance policies could refuse paying benefits to your loved ones.