Can you get long-term care insurance with bipolar disorder?

Bipolar disorder is underwritten more strictly than ordinary depression or anxiety. Whether coverage is possible comes down to how stable and well-managed the condition is.

What underwriters look at

• Stability and time since the last episode or psychiatric hospitalization.
• Treatment. Consistent, long-term control on a stable regimen helps; several medications at once draws scrutiny.
• Function and history. Whether it affects daily functioning, and any history of hospitalization or suicide attempts.

A stable, long-controlled case may find limited options, while recent instability or hospitalizations often leads to a decline.

General information only. Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds. Nothing here is a guarantee of coverage or a quote — only a licensed carrier reviewing your medical history can tell you what you qualify for. This is educational and not insurance, legal, tax, or financial advice.