Can you get coverage with a health condition?
A health condition rarely means an automatic "no." What matters is how well it is controlled and whether it has caused complications. These guides explain, honestly, how long-term care underwriting actually treats common conditions — and what your options are if a traditional policy is off the table.
- Can you get long-term care insurance with diabetes?
- Can you get long-term care insurance with high blood pressure?
- Can you get long-term care insurance with a thyroid condition?
- Can you get long-term care insurance if you are overweight?
- Can you get long-term care insurance with sleep apnea?
- Can you get long-term care insurance with arthritis?
- Can you get long-term care insurance with osteoporosis?
- Can you get long-term care insurance with depression or anxiety?
- Can you get long-term care insurance with chronic back pain?
- Can you get long-term care insurance if you smoke?
- Can you get long-term care insurance with kidney disease?
- Can you get long-term care insurance with atrial fibrillation (AFib)?
- Can you get long-term care insurance with Crohn's disease or ulcerative colitis?
- Can you get long-term care insurance if you have a history of falls?
- Can you get long-term care insurance with bipolar disorder?
- Can you get long-term care insurance with liver disease or hepatitis?
- Can you get long-term care insurance after cancer?
- Can you get long-term care insurance with heart disease?
- Can you get long-term care insurance after a stroke or TIA?
- Can you get long-term care insurance with COPD?
- Can you get long-term care insurance with Parkinson's disease?
- Can you get long-term care insurance with multiple sclerosis?
- Can you get long-term care insurance with HIV?
- Can you get long-term care insurance with dementia or Alzheimer's?
- Can you get long-term care insurance with rheumatoid arthritis?
- Can you get long-term care insurance with congestive heart failure?
- Can you get long-term care insurance with epilepsy or a seizure disorder?
- Can you get long-term care insurance with lupus?
- Can you get long-term care insurance with peripheral vascular disease?
- Can you get long-term care insurance with fibromyalgia?
- Can you get long-term care insurance after a kidney transplant?
Underwriting varies by carrier and changes often. We describe how conditions are generally viewed; we do not publish carrier-specific approval thresholds. Only a licensed carrier reviewing your records can tell you what you qualify for.
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