Employers have no obligation under Hawaii law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, state law requirements under Hawaii's Long-Term Care Insurance Act may limit how the plan may be designed (HI Stat. Sec. 431:10H-101 et seq.).
A long-term care insurance policy may not limit or exclude coverage by type of illness, treatment, medical condition, or accident except for the following permitted exclusions:
• Preexisting conditions or diseases;
• Mental or nervous disorders (but not Alzheimer's disease);
• Alcoholism and drug addiction;
• Illness, treatment, or medical condition arising out of war or act of war (whether declared or undeclared); participation in a felony, riot, or insurrection; service in the armed forces or auxiliary units; suicide, attempted suicide, or an intentionally self-inflicted injury; or aviation involving non-fare-paying passengers;
• Treatment provided in a government facility (unless required by law), services for which benefits are available under Medicare or other governmental program (except Medicaid); any state or federal workers' compensation, employer's liability, or occupational disease law, or any motor vehicle insurance law;
• Services provided by a member of the covered person's immediate family;
• Services for which no charge is normally made in the absence of insurance;
• Expenses for services or items available or paid under another long-term care insurance or health insurance policy; or
• In the case of a qualified long-term care insurance contract, expenses for services or items to the extent that the expenses are reimbursable under Title XVIII of ...