What type of coverage does long-term care insurance typically NOT cover?

Long-term care insurance primarily provides coverage for services that assist individuals who are unable to perform basic daily activities due to chronic illness, disability, or cognitive impairment. This includes both medical care for chronic conditions and non-medical personal care, such as assistance with bathing, dressing, and eating. Coverage often extends to conditions like Alzheimer’s disease, recognizing the need for long-term support and care.

Substance abuse treatment, on the other hand, is generally not included in long-term care insurance policies. These policies are designed to assist with the care needs arising from long-term health issues rather than acute medical interventions or rehabilitative services for addiction. As a result, individuals seeking treatment for substance abuse typically need to look to other types of insurance or support systems that specifically provide for such medical conditions. This distinction highlights the primary focus of long-term care insurance on chronic illnesses and daily living assistance rather than on behavioral health issues.