There are limitations on all long-term care policies. Preexisting conditions are sometimes excluded from coverage. Ask if there is a waiting period for such conditions. Some companies may exclude coverage of preexisting conditions for six months.
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There may be other exclusions or limitations to your policy. Before you purchase a policy, be sure you understand exactly what is and is not covered. Keep in mind that Alzheimer’s disease is a leading cause of nursing home admissions, so make sure the policy does not exclude the disease. Other specific exclusions often include treatment of alcoholism or drug addiction, an act of war or a self-inflicted injury, such as a suicide attempt.