Can You Be Denied Long Term Care Insurance?
Long term care insurance is designed to help with certain long term care costs as the policyholder grows older. If an individual loses the ability to live and function independently due to age or a developing disability or illness, this insurance can help pay for inpatient and outpatient care, such as Alzheimer’s facilities and at home nursing care. 

This is not a replacement for health insurance but rather a supplement for specific expenses related to patient care and disabilities. However there are rare instances where an individual may be denied long term care insurance. While health insurance must legally accept pre-existing conditions, long term care insurance policies do not have the same requirement. This means that you can be denied long term care insurance based on certain pre-existing conditions. a person walking down a sidewalk

Conditions and situations that may exclude you or make it difficult for you to purchase long term care insurance include: 

  • Alzheimer’s  

  • Dementia  

  • Parkinson’s disease  

  • Certain forms of cancer  

  • Use of a walker or wheelchair  

  • Use of narcotics or certain medications (current)  



A potential policyholder’s weight and height may also affect their eligibility for long term care insurance when paired with other medical conditions. For example, overweight individuals (in comparison with their height) that smoke may have trouble finding long term care insurance.  


The above conditions are generally why insurance agents recommend that individuals purchase long term care insurance early, as many excluded diseases are brought on with age. However, being late to purchase insurance does not mean that you shouldn’t. 


Keep in mind that if one of the above applies to you, this does not mean you cannot purchase long term care insurance. Every insurance provider is different and policies change from carrier to carrier and person to person. It is important to be honest and shop between multiple insurers (or find an independent insurer to do it for you) so that you can find a long term care insurance policy suited for your needs. 


Speak with an insurance agent about your long term care insurance options. With or without pre-existing conditions, you should exhaust your resources until you find an insurer who will work with you on a policy. Also be sure to speak with your loved ones and keep track of your medical records to keep track of your medical needs so that you can tell your insurance agent and get the coverage needed for your care. 

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