Why You Could Be Declined For Long-Term Care Insurance

In most cases, if you are in reasonable health you can expect to be approved for long-term care insurance. But approval is not automatic and there are guidelines that the major carriers use to determine who qualifies. These guidelines are published by each carrier in an underwriting field guide which agents use to help them decide whether someone is a good candidate for long-term care insurance with that company. Many underwriting procedures are fairly standard across the industry.

Factors That May Rule You Out

Some of the most common reasons why a person could be declined for this kind of insurance include health conditions such as: multiple sclerosis, Parkinson’s disease, AIDS, ALS (Lou Gehrig’s disease), Alzheimer’s or dementia, muscular dystrophy and certain aggressive and metastatic cancers. Most applications for long-term care insurance contain language designed to discourage someone with these conditions from placing an application with that company.

There are other more common illnesses that can also result in decline under certain circumstances. Those with more mild cases may be approved while those who have more advanced forms of the illness or disease may be declined instead. These can include: arthritis (especially rheumatoid arthritis that affects weight-bearing joints), Type 1 diabetes which requires substantial amounts of insulin to control, autoimmune disorders such as some forms of lupus, advanced osteoporosis, and others.

Some illnesses may be acceptable alone but may be declined in combination with other factors. For instance, some carriers will take a dim view of tobacco use when in combination with diabetes. Back problems associated with the use of narcotics on a daily basis to control the pain can be another reason for decline.

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