Employers have no obligation under Wyoming 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.
Long-term care insurance policies in Wyoming may exclude coverage of the following:
• Preexisting conditions;
• Mental or nervous disorders (other than Alzheimer's disease);
• Alcoholism and drug addiction;
• Illnesses, treatments, or medical conditions arising out of war or an act of war (whether declared or undeclared); participation in a felony, riot, or insurrection; service in the armed forces or auxiliary units; suicide (sane or insane), attempted suicide, or an intentionally self-inflicted injury; or aviation for non-fare-paying passengers;
• 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; and services for which no charge is normally made in the absence of insurance; or
• Payment for services provided outside the United States (WCWR 044-000-037).
Preexisting condition limitations in long-term care insurance policies may not exclude coverage for more than six months after the effective date of coverage under the policy. Additionally, a “preexisting condition” cannot be defined more restrictively than as a condition for which medical advice, diagnosis, care, or treatment was recommended by ...