Which of the following is NOT typically covered under long-term care insurance in South Carolina?

Long-term care insurance policies are designed to cover a wide range of services that assist individuals who are unable to perform basic activities of daily living due to various health conditions. However, certain conditions may fall outside the coverage spectrum.

Alcohol and drug addiction is typically not covered under long-term care insurance policies because these conditions are viewed as potentially preventable through lifestyle choices and are often treated with rehabilitation programs rather than long-term custodial care. The purpose of long-term care insurance is to provide assistance for chronic illnesses and disabilities that require prolonged care, not for conditions primarily related to substance abuse.

In contrast, other options like organic brain diseases, Alzheimer's disease, and AIDS can lead to significant long-term care needs and typically fall under the policies’ coverage. These conditions often result in the type of chronic medical requirements for which long-term care insurance is intended to provide financial assistance, making them standard inclusions in most policies.