Which of the following is not typically covered by long-term care insurance?

Long-term care insurance primarily focuses on providing coverage for services that assist individuals with daily living activities and custodial care, which are integral to supporting those with chronic illnesses or disabilities. This type of insurance typically covers assistance with daily activities such as bathing, dressing, eating, and mobility, reflecting its purpose of helping individuals maintain a certain quality of life when they are unable to independently perform these tasks.

Custodial care, which involves non-medical care provided to individuals who need help with daily activities, is also a fundamental aspect of long-term care policies. This type of care is essential for many beneficiaries, often being the main service covered by long-term care insurance.

The correct answer highlights chiropractic services, which are generally not included in long-term care plans. Chiropractic care is considered a form of medical treatment that focuses on musculoskeletal issues and pain relief through spinal manipulation and other techniques. Such treatments would typically be covered under a health insurance plan rather than long-term care insurance, as they do not align with the goals of assisting with daily living activities or providing custodial support. In short, long-term care insurance is tailored to non-medical services that aid in daily living rather than to medical or therapeutic interventions.