South Carolina Life and Health Practice Exam

Which condition is NOT typically covered under long-term care insurance in South Carolina?

1. Physical disabilities

2. Recovering from surgery

3. Alcohol and drug addiction

4. Chronic illness management

The correct answer is: Alcohol and drug addiction

Long-term care insurance is designed to cover a variety of services and support for individuals who are unable to perform daily activities due to chronic illnesses, physical disabilities, or aged-related conditions. However, one condition that is generally not covered by long-term care insurance policies is the treatment of alcohol and drug addiction. This exclusion is primarily because long-term care insurance focuses on providing assistance with activities of daily living (like bathing, dressing, and eating) and chronic conditions that require ongoing care. In contrast, substance abuse treatment is often categorized under health insurance policies that specifically address behavioral health issues, rather than long-term care needs. Therefore, while physical disabilities, recovery from surgery, and management of chronic illnesses are generally covered under long-term care policies, coverage for addiction treatment is not typically included, making it the correct answer to the question.