Can you get long-term care insurance with liver disease or hepatitis?

"Liver disease" covers a wide range, and outcomes vary just as widely — from conditions that barely register with underwriters to ones that are an automatic decline.

The range

• Mild fatty liver (NAFLD) with normal liver function is often not a problem.
• Hepatitis C that has been cured with antiviral treatment, with normal liver function, may be insurable — a real change from years past. Active hepatitis is a bigger concern.
• Chronic hepatitis B that is stable and managed is situational.
• Cirrhosis is usually a decline for traditional coverage because it is progressive.
• Alcohol-related liver disease with ongoing heavy use is generally declined.

Underwriters look at your liver-function tests, the underlying cause, and how stable things have been.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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.