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Long-Term Care with Medical Problems

When you apply for long term care insurance, you may encounter difficulty being underwritten or accepted for the policy This might be due to a present or even past medical condition. This is because the underwriters at that company feel you are too high of a risk, and will surely need some type of care. The fundamental issue here is you are looking for the proper protection, but the carrier feels you are already suffering from some of the maladies the policy will cover.

Many consumers have had success by working with their physicians to conduct more extensive exams and then document a past problem that has been completely cured. You do not pose a greater risk of recurrence than any other health person.

Here is a thread started by a person with a medical problem but was able to eventually qualify for a policy.

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Texas license# 1270417