Which is NOT excluded in a long-term care policy?

Long-term care policies often exclude alcoholism as it is considered a self-inflicted condition rather than a chronic illness. Many insurance providers do not cover the costs associated with the treatment of substance abuse disorders, viewing them as lifestyle choices that can be addressed through rehabilitation rather than long-term care.

Non-cognitive mental disorders, such as depression or anxiety, are generally not covered by long-term care policies. These conditions are often seen as requiring different types of treatment and support compared to cognitive impairments like Alzheimer's, leading to their exclusion from coverage.

Long-term care policies frequently exclude treatment for conditions that arise directly from participation in criminal behavior. This exclusion is based on the premise that insurance should not cover costs associated with illegal activities, as these situations are often viewed as preventable through lawful behavior.