Long Term Care Insurance Center
Long Term Care Insurance Q & As
Question 3 of 13 in Long-term Care Policy
What services are typically not covered?
Those with mental illness (excluding Alzheimer's) are generally excluded from coverage, as are those addicted to alcohol or drugs, those who have attempted suicide, and those who have a self-inflicted injury or an illness or injury caused by an act of war. Also, policies generally exclude those who have had treatment already paid for by the government.