If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance, as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. 

Require assistance with bathing, dressing, feeding, toileting, urinary or bowel continence, or transferring between your bed or a chair. Use or need a home health care, adult day care, assisted living or nursing home care, use a multi-pronged cane, oxygen, walker or wheelchair.

Additionally, you are unable to be approved for coverage if you have any of the following:

  • AIDs or HIV infection
  • Alzheimer's Disease
  • Amyotrophic Lateral Sclerosis (ALS)
  • Cystic Fibrosis
  • Dementia
  • Hemophilia (other than Von Willebrand disease)
  • Active Hepatitis C, Non-A, Non-B, or Autoimmune
  • Kidney Failure
  • Liver Cirrhosis
  • Memory Loss
  • Mid - Advanced Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis
  • Parkinson's Disease
  • Post-Polio Syndrome
  • Schizophrenia
  • Sickle Cell Anemia
  • Systemic Lupus Erythematosus

To determine your most accurate health rating and pricing estimate, input any additional conditions that fall into any of the health categories listed in the box below:

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