Life & Health Insurance Practice Exam 2025 - Free Practice Questions and Study Guide

Long-term care (LTC) insurance policies often include specific language regarding exclusions to coverage. In this context, the assertion that a policy cannot exclude coverage for Alzheimer's disease is true because many LTC policies are designed to cover cognitive impairments, including Alzheimer’s and other forms of dementia. This is crucial since these conditions significantly impact an individual's need for long-term care services. The intent behind including these conditions in coverage is to ensure that individuals with cognitive impairments receive the necessary support, given the rising prevalence and financial burden associated with such diseases.

Understanding the typical exclusions in LTC policies is essential. For example, while mental health conditions may have varied coverage across different policies, it is common for them to specifically include cognitive disorders. Additionally, while some physical ailments may be excluded, many long-term care policies are geared toward helping individuals with chronic physical and mental health needs. Therefore, the focus of LTC coverage is on providing support for chronic conditions, rather than broad exclusions which might deny critical care for those with specific needs like Alzheimer's.