State RegulationsVA specificDifficulty 3/5
A producer is reviewing the exclusions page of a long-term care policy with a client. Under Virginia's long-term care rules, which pairing correctly matches an exclusion with its treatment?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Virginia's long-term care exclusion framework in 14 VAC 5-200-60(B) draws a line between exclusions the insurer may include and exclusions it may not. Service in the armed forces, like war-related losses, sits on the permitted side of the line; organic cognitive conditions such as Alzheimer's disease sit on the forbidden side, because excluding them would strip away coverage for a core long-term care risk. Reading an exclusions page with a client means knowing which is which — the permitted list is narrow and the cognitive-diagnosis carve-out is barred.
Why the other options are wrong
- A) Self-inflicted injuries are a permitted exclusion, not an untouchable coverage obligation.
- B) The rule runs the other way: organic cognitive conditions may not be excluded.
- C) War and riot losses are among the exclusions Virginia permits long-term care policies to contain.
Memory hook
Military service may be excluded; Alzheimer's may not — know both sides of the line.