Under Virginia's long-term care exclusion rules, which of the following may a long-term care policy NOT exclude?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Virginia's long-term care rules on exclusions, 14 VAC 5-200-60(B), permit certain traditional exclusions — war-related losses, government-facility care, self-inflicted injuries — but bar policies from excluding losses by reason of diagnoses such as Alzheimer's disease and other organic cognitive conditions. The logic is direct: cognitive conditions are among the very risks long-term care insurance exists to cover, so allowing insurers to carve them out would hollow out the product. A client with Alzheimer's disease concerns cannot be sold a policy that quietly refuses to pay for that condition.
Why the other options are wrong
- A) War-related losses are a permissible exclusion under Virginia's long-term care rules.
- C) Care in facilities operated or paid for by the government is a permissible exclusion, preventing duplication of government-funded care.
- D) Intentionally self-inflicted injuries are a permissible exclusion.
Memory hook
Alzheimer's can't be carved out — the disease LTC exists for can't be excluded.