What Does Long Term Care Insurance Not Cover? 
Long-term care insurance benefits do not cover acute medical problems , but rather addresses chronic medical situations . Acute medical problems would include such things as a broken arm or abdominal surgery . Major medical , Medicare , and Medicaid would be sources of insurance coverage for those events . Chronic medical problems involve conditionsfrom whicha person is not likely to ever recover . Such conditions might include multiple sclerosis , Alzheimer 's disease , osteoporosis , or auto-immune diseases . Just having a chronic disease or condition does not necessarily trigger the payment of benefits from a long-term care policy , however . One must be medically certified by a health care professional that there is an inability to perform at least two of six specified daily activities -LRB- such as getting dressed , feeding oneself , etc. -RRB- , or having been diagnosed with a cognitive impairment . Long-term care insurance will not pay for medical costs of a chronic condition if a person can successfully get around and take care of themselves . 