Long term care insurance gives you the freedom and control to choose the type of care you wish, and the peace of mind that comes with knowing that the financial cost of your care, which can be overwhelming, will be covered. It is a critical part of your overall financial planning, allowing you to protect your assets and preserve your legacy paying pennies on the dollar today rather than struggling with the high cost of care in the future.
Can You Qualify?
In order to be considered for Long Term Care Insurance, you must complete a health questionnaire to assist the insurance company to evaluate your health history. If there are questions or concerns by the insurers regarding any of your responses, they may ask to contact your physician to get copies of your health records and/or test results, or may require a phone or in-person interview with a nurse.
Any history of the following illnesses may make you ineligible for long term care insurance.
- Acquired Immune Deficiency Syndrome (AIDS) or HIV positive
- Alzheimer’s disease
- Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease)
- Asthma, emphysema, chronic obstructive pulmonary disease
- Congestive heart failure
- Cystic fibrosis
- Diabetes requiring Insulin (excluding during pregnancy)
- Huntington’s disease
- Cirrhosis of the liver
- Memory loss, dementia, confusion, organic brain syndrome
- Multiple sclerosis
- Muscular dystrophy
- Renal failure or neurogenic bladder
- Parkinson’s disease
- Peripheral vascular disease
- Post polio syndrome
- Sleep apnea
- Systemic lupus erythematosus
- Two or more (individually or in combination): Mini-stroke, Transient Ischemic Attacks, Strokes, Cerebral vascular Accidents
As well, you will be asked whether you need assistance or supervision with bathing, dressing, feeding, transferring (to or from a bed or chair), and/or toileting.
Confidential Quote
There is nothing better that you can do for yourself and your family.
For a confidential long term care insurance quote, please contact us or fill out our call back form on the side.
We will carefully explain the options available to you and will assist in determining the benefit type and amount which best addresses your issues and concerns.