Can I get long-term care insurance if I have health problems?

Long-term care insurance is medically underwritten, so your health matters. If you already have a condition likely to lead to care — such as Alzheimer's or Parkinson's disease — you probably won't qualify for a traditional policy.

That said, options exist. Some employer or group plans use simplified underwriting, and certain hybrid policies have more lenient health requirements. A licensed agent can tell you which carriers are more flexible for your situation.

For a condition-by-condition look at how underwriting actually works — diabetes, cancer, heart disease, and more — see our health & eligibility guides.

General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.