District of Columbia Long-Term Care laws & HR compliance analysis

District of Columbia Long-Term Care: What you need to know

Employers have no obligation under District of Columbia law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain requirements limit how the plan may be designed.
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A long-term care policy may not limit or exclude coverage by type of illness, treatment, medical condition, or accident, except for the following reasons:
• 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 (sane or insane), attempted suicide, or an intentionally self-inflicted injury; or aviation (if the insured is 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 another 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; and
• 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 the Social Security Act, or would be reimbursable but ...

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District of Columbia Long-Term Care Resources

Type Title
Policies Elder Care Policy (Standard)
See all Long-Term Care Resources