LTC Preexisting Conditions and Permitted Exclusions (FL)

A Florida LTC contract may define a preexisting condition no more restrictively than one for which medical advice or treatment was recommended or received within the six (6) months before the effective date — and may exclude a preexisting-condition loss only if it begins within the first six (6) months after the effective date. Riders, waivers, or provisions excluding SPECIFIED preexisting conditions are prohibited. The only permitted illness/treatment exclusions: preexisting conditions; mental or nervous disorders (NOT Alzheimer's disease); alcoholism and drug addiction; war or military service; felony, riot, or insurrection; suicide (sane or insane) and intentional self-injury; aviation (other than fare-paying passengers); treatment in a government facility; services Medicare covers; workers' compensation, employer's liability, occupational disease, and motor-vehicle no-fault benefits; services by an immediate family member (informal care); and services normally free absent insurance.

Six months looking back, six months looking forward — and the disease LTC insurance exists for, Alzheimer's, can never be excluded as a "mental disorder."