Nevada Long-Term Care laws & HR compliance analysis

Nevada Long-Term Care: What you need to know

Employers have no obligation under Nevada 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.
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A long-term care insurance policy may not limit or exclude coverage by type of illness, treatment, medical condition, or accident, except for the following permitted exclusions:
• 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, attempted suicide, or an intentionally self-inflicted injury; or aviation involving non-fare-paying passengers;
• 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 no-fault motor vehicle insurance 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;
• Services or items available from or paid by another long-term care insurance contract; 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 Medicare or would be so reimbursable but for the application of a deductible or coinsurance amount (NV Admin. ...

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Nevada Long-Term Care Resources

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