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Sagot :
The following are some of the more typical exclusions in insurance covering long-term care services: However, the policy cannot limit or exclude coverage for Alzheimer's disease, senile dementia, or other clearly visible organic brain diseases. intentionally caused harm to oneself. Drug and alcohol addiction.
What is the main purpose of long-term care insurance?
A daily amount up to a pre-determined limit) is covered by long-term care insurance policies for services that help policyholders with activities of daily living like eating, dressing, and bathing. You can choose from a variety of care plans and benefits to get the services you require, wherever you require them.
As with any insurance, the main drawback of long-term care insurance is that you can pay premiums for years without ever using the policy. The hefty annual costs for long-term care insurance are one disadvantage. Employees might think about accepting some health risks because they would prefer to pay modest sums out of savings than pay greater premiums to cover them.
Learn more about Long-term care here:
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