Long Term Care Insurance Options For Those With Existing Health Conditions

An increasing number of consumers are exploring long term care insurance options that accept people with existing health conditions including diabetes, cancer, Parkinson’s, Multiple Sclerosis and even osteoporosis with breaks and fractures. “There are millions of Americans who will not health qualify for long term care insurance and each year insurers turn down a percentage of applicants who apply. As a result we are seeing increased interest in innovative products that can address some or all of an individual’s long term care risk,” explains Jesse Slome, director of the American Association for Long Term Care Insurance. According to the Association, 25% of long term care insurance applications from people 60 to 69 were declined in 2012. For applicants from 70 to 79, the decline rate grew to 44% last year, AALTCI reports. Contrary to what many consumers believe, long term care insurance was not affected by the Affordable Care Act (Obamacare). People must health qualify in order to get coverage, Slome notes. For more information, visit http://www.aaltci.org

Last Updated 09/16/2020

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