All policies have their own unique list of exclusions. Some of the most common exclusions found in LTC policies are:

  • A mental or nervous disorder or disease (other than Alzheimer’s disease or other dementia).
  • Any complications caused by the insured’s involvement in a criminal activity.
  • Injuries or conditions caused by suicide attempts or self-infliction.
  • Treatment provided in a government facility (such as a VA hospital).
  • Services that are paid for as part of a Medicare or Workers’ Compensation plan.
  • Services provided by someone the insured lived with before needing long term care services.
  • Services or treatment needed because of alcoholism or drug addiction.
  • Services for the treatment of conditions caused by war.