State RegulationsMI specificDifficulty 2/5
Which of the following is a typical exclusion found in individual long-term care insurance policies?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Long-term care policies commonly exclude losses caused by intentional self-inflicted injury, along with war and similar hazards, while covering care driven by ADL limitations or cognitive impairment. Michigan's long-term care chapter (M.C.L. 500.3901 to 500.3955) governs how exclusions and covered benefits are disclosed in policies and in the shopper's guide materials required by Michigan law.
Why the other options are wrong
- A) Cognitive impairment is a standard benefit trigger, not an exclusion.
- C) Nursing facility care is the central covered benefit of a long-term care policy.
- D) Adult day care is a covered care setting, not an exclusion.
Memory hook
Self-inflicted = excluded; ADLs and cognition = covered.