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	<title>New answer on: What Does Long Term Care Insurance Not Cover?</title>

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		<title>By: William Bridgers</title>

		<link>https://insurancelibrary.com/long-term-care-insurance/what-does-long-term-care-insurance-not-cover</link>

		<dc:creator>William Bridgers</dc:creator>

		<pubDate>Thu, 18 Jul 2013 23:40:33 +0000</pubDate>

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		<description><![CDATA[Long-term care insurance benefits do not cover acute medical problems, but rather addresses chronic medical situations.  Acute medical problems would include such things as a broken arm or abdominal surgery.  Major medical, Medicare, and Medicaid would be sources of insurance coverage for those events.  Chronic medical problems involve conditions from which a person is not likely to ever recover.  Such conditions might include multiple sclerosis, Alzheimer&#039;s disease, osteoporosis, or auto-immune diseases.

Just having a chronic disease or condition does not necessarily trigger the payment of benefits from a long-term care policy, however.  One must be medically certified by a health care professional that there is an inability to perform at least two of six specified daily activities (such as getting dressed, feeding oneself, etc.), or having been diagnosed with a cognitive impairment.  Long-term care insurance will not pay for medical costs of a chronic condition if a person can successfully get around and take care of themselves.]]></description>

		

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