Long term care insurance typically does not cover certain expenses and services. Some common exclusions include:
1. Pre-existing conditions: Long term care insurance may not cover expenses related to pre-existing conditions. If you have a health condition before purchasing the policy, the insurance provider may exclude coverage for that specific condition.
2. Self-inflicted injuries: Injuries caused intentionally by the insured individual, such as self-harm or suicide attempts, are usually not covered by long term care insurance.
3. Care provided by family members: Long term care insurance may not cover expenses if the care is provided by family members or non-licensed individuals, unless they meet specific qualifications.
4. Certain types of facilities: Some policies may exclude coverage for care received in specific types of facilities, such as assisted living communities or adult day care centers.
5. Care received outside the coverage area: If you receive care outside the coverage area specified in your policy, the expenses may not be covered.
It's important to carefully review the policy terms and conditions to understand the specific exclusions of your long term care insurance policy. Each insurance provider may have slightly different exclusions, so it's always best to clarify with them directly.