Which of the following benefits are usually EXCLUDED or limited under a Long Term Care...

Long-term care insurance is intended to provide benefits for qualified services needed because of chronic illness, cognitive impairment, or inability to perform activities of daily living. Typical covered settings and services include skilled nursing facilities, home health care, and hospice care, subject to the policy’s benefit triggers, elimination period, daily or monthly limits, and plan of care requirements. Therefore, choice D is correct. Treatment or rehabilitation for addictive behavior is commonly excluded or restricted because it is not ordinarily a qualifying l ong-term care service under the policy’s chronic-care purpose. Long-term care insurance is not the same as comprehensive medical insurance, disability income insurance, or substance-use treatment coverage. Before benefits become payable, the insured usually must be certified as chronically ill, often based on inability to perform at least two activities of daily living or severe cognitive impairment. Policies may cover institutional care, assisted living, adult day care, respite care, and home-based services, but each benefit is subject to contractual definitions and limits. Study Guide References/Topics: Types of Health Insurance Policies; Long-Term Care Insurance; Long-Term Care Exclusions and Benefit Triggers.