Can You Still Obtain Long-term Care Insurance with a Pre-Existing Condition?

This blog explains your options if you have an existing condition but want to obtain long-term care (LTC) insurance. A few conditions do mean you cannot obtain it like certain kinds of cancer, but most chronic diseases like diabetes do not preclude you from long-term care insurance. 

You may need your insurance agent at Alliance Insurance Partners serving Scottsdale, AZ to help you shop around for an underwriter. As long as you can capably handle what the insurance industry terms the six “essential activities of daily living,” you can qualify for LTC insurance. The six activities you should be able to handle on your own are:

  • Transferring,
  • Toileting,
  • Eating,
  • Dressing,
  • Continence,
  • Bathing.

The reason you must be capable of all six of those items is that LTC coverage pays for assistance with those six things. An in-home care assistant works with you to accomplish the basic tasks with which you need help. 

Since many insurance companies prefer not to extend coverage for services you already require, if you have a diagnosis of certain cancers, Parkinson’s, or Alzheimer’s disease, or if you use a walker to assist in mobility, you typically will find LTC coverage out of your reach. 

Lifestyle choices combined with a chronic condition can also keep you from getting approved. The chronic condition itself typically does not cause an issue. For example, a diabetic can obtain LTC coverage. If a diabetic individual chose to overeat and smoke cigarettes though the insurance company would typically decline them for coverage. Disease management and lifestyle choices significantly contribute to an individual’s insurability. 

Call or visit Alliance Insurance Partners serving Scottsdale, AZ for more information on LTC insurance. Let us help you obtain the coverage you need.