Employers have no obligation under Missouri 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.
Group long-term care insurance issued in Missouri must provide individuals with a basis for continuation or conversion of coverage (20 MO ADC Sec. 400-4.100).
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);
• Alcoholism and drug addiction;
• Illnesses, treatments, or medical conditions 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;
• Treatments provided in a government facility (unless otherwise required by law);
• Services to the extent 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 long-term care insurance or health insurance policy; or
• In the case of a qualified long-term care insurance contract, expenses ...