Long Term Care Certification Practice Test

For which of the following would a long-term care policy deny coverage?

1. Diabetes

2. Alchoholism

3. Heart disease

4. Arthritis

The correct answer is: Alchoholism

Long-term care insurance policies often have specific exclusions and limitations regarding coverage for certain conditions. Alcoholism, classified as a substance use disorder, is frequently excluded from many long-term care insurance policies. This exclusion is based on the understanding that treatment for alcoholism sometimes involves lifestyle changes and rehabilitation rather than traditional long-term care services. Therefore, a policy may deny coverage for long-term care related to complications or care due to alcoholism. In contrast, conditions such as diabetes, heart disease, and arthritis are typically covered, as they can lead to the need for long-term care services. These conditions can result in disabilities or other complications that necessitate assisted living or nursing care, making them more aligned with the purpose of long-term care insurance.