Long term care insurance is designed to help cover the costs of long term care services, such as assistance with activities of daily living (ADLs) and medical care, in the event that you are unable to perform these activities on your own. However, it's important to note that there are certain expenses that are typically not covered by long term care insurance policies. Here are some common exclusions:
1. Pre-existing conditions: Many long term care insurance policies have a pre-existing condition exclusion period, which means that they will not cover expenses related to a condition that you had before you purchased the policy. The length of the exclusion period can vary depending on the policy.
2. Certain medical treatments: Long term care insurance generally does not cover medical treatments that are considered to be curative or rehabilitative in nature. This includes treatments such as surgery, chemotherapy, and physical therapy.
3. Care provided by family members: In most cases, long term care insurance does not cover care provided by family members, unless they are licensed healthcare professionals. This means that if you receive care from a family member who is not a licensed healthcare professional, the cost of that care would not be covered by your insurance policy.
4. Care received outside of the United States: Long term care insurance policies typically do not cover care received outside of the United States. If you require long term care services while traveling or living abroad, you would need to cover the costs out of pocket.
5. Certain types of care facilities: Some long term care insurance policies may have restrictions on the types of care facilities that are covered. For example, they may only cover care received in licensed nursing homes or assisted living facilities, and not in other types of care settings.
It's important to carefully review the terms and conditions of your specific long term care insurance policy to understand what is and is not covered. Each policy may have different exclusions and limitations. If you have any questions or concerns about your coverage, it's best to contact your insurance provider directly for clarification.