Which of the following is NOT required to be covered by long-term care insurance policies in South Carolina?

Long-term care insurance policies in South Carolina typically have specific benefits and coverages mandated by state law. Substance addiction is generally excluded from the mandatory coverage provisions for long-term care insurance. This means that while long-term care insurance must provide coverage for essential services related to severe cognitive impairments, such as dementia and Alzheimer’s disease, and is expected to include custodial care, it does not require coverage for conditions related to substance addiction.

This distinction is significant because it highlights the focus of long-term care insurance on chronic illnesses and disabilities that necessitate assistance with daily living activities, rather than behavioral or substance use disorders. Consequently, understanding the types of conditions that are specifically included can help individuals make informed decisions when selecting insurance policies that best suit their long-term care needs. The other options reflect conditions that are covered under standard long-term care policies, emphasizing the comprehensive nature of care for cognitive impairment and basic daily assistance needs.