Employers have no obligation under Louisiana 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 under Louisiana's Long-Term Care Insurance Act limit how the plan may be designed (LA Rev. Stat. Sec. 22:1181 et seq.).
A long-term care policy may not limit or exclude coverage by type of illness, treatment, medical condition, or accident, with the following exceptions:
• 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 an act of war; participation in a felony, riot, or insurrection; service in the armed forces; suicide, attempted suicide, or an intentionally self-inflicted injury; or aviation as a non-fare-paying passenger;
• Treatment provided in a government facility (unless otherwise 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; or
• Expenses for services or items available or paid under another long-term care insurance or health insurance policy (37 LA ADC Pt. XIII, Sec. 1909).
A long-term care insurance policy or certificate that provides benefits for home health care or community care services ...