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Long-term care insurance contracts



          Long-term care insurance contracts in most cases are treated as accident and health insurance contracts.




























              Qualified long-term care                                                             •   Required by a chronically
              services are:                                                                            ill individual and

              • Necessary diagnostic,                                                                  provided pursuant to a
              preventive, therapeutic,                                                                 plan of care prescribed
              curing, treating, mitigating,                                                            by a licensed health care
              and rehabilitative services,                                                             practitioner.
              and maintenance and
              personal care services;
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