Can I get long-term care insurance if I have health problems?
It depends. Coverage is medically underwritten, and some conditions make traditional policies unavailable.
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.
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.
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