"You pay for insurance with your money ... you buy it with your health."

We all tend to take our health for granted. We can be healthy and active one minute and in the next have a stroke or be in a car accident and become completely and permanently disabled. Things can change in a blink of an eye. Ask yourself how you would feel if you had a change in your health that made it impossible to get long-term care insurance regardless of any premium you would be willing to pay?

Your health does not have to be perfect to purchase long-term care insurance, however, there are certain health conditions and combinations of health conditions that can cause you to be uninsurable.

These conditions are uninsurable:

  • Alzheimer's
  • ADL limitation - existing need for help
  • ALS (Lou Gehrig's)
  • Cystic Fibrosis
  • Dementia
  • Heart transplant
  • Huntington's / Chorea
  • Liver transplant
  • Memory loss
  • MS - Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's
  • Strokes / TIAs - if multiple
  • Walker or Wheelchair use
Other conditions or combinations of conditions may also be uninsurable.

LTC insurance is "medically underwritten".  You must apply before you know you will need it..

The chart below shows you the percentages of people that apply that are declined. You can see that the younger you are, the better chance you have of getting long-term care insurance!

Your Age% DeclinedUnder 50  7.3%50 - 5913.9%60 - 6922.9%70 - 7944.8%70+69.8&Source: American Association for Long-Term Care Insurance, 2007