You would need to review your own Long Term Care Insurance policy to find out what is not covered. E.g. Some policies will cover Home Health Services and some will not. But some common things that may not be covered are:
Care needed for pre-existing conditions (they may be excluded for a number of months)
Care needed due to some nervous disorders
Care needed for injury or illness causes by drug addiction, commission of a felony, etc.
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Care needed for pre-existing conditions (they may be excluded for a number of months)
Care needed due to some nervous disorders
Care needed for injury or illness causes by drug addiction, commission of a felony, etc.