Employers have no obligation under Illinois law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain state law requirements limit how the plan may be designed.
A long-term care insurance policy may not limit or exclude coverage by type of illness, treatment, medical condition, or accident, except for:
• Preexisting conditions or diseases;
• Mental or nervous disorders (but not Alzheimer's disease or senile dementia);
• 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 intentional self-inflicted injury; or aviation as a non-fare-paying passenger;
• 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 no-fault 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 traditional long-term care insurance or health insurance policy; and
• In the case of a tax-qualified long-term care insurance contract, expenses for services or items to the extent that the expenses are reimbursable under Title XVIII of the Social Security Act or would be so reimbursable but for the application ...