Can you get long-term care insurance if you are overweight?

Weight is a standard part of long-term care underwriting, but being overweight does not automatically disqualify you. Each carrier publishes its own build chart (a height-and-weight table), and those charts vary enough that one carrier's decline can be another carrier's approval.

How weight is underwritten

• Moderately overweight is usually fine and often has no effect on your rate.
• Significant obesity can lead to a rate increase, and above a carrier's limit it can lead to a decline. Because limits differ, a broker can steer you to the most lenient carrier.
• Combinations matter most. Excess weight together with diabetes, high blood pressure, or sleep apnea raises scrutiny more than weight alone.

Can losing weight help?

Yes — stable weight in a better range can improve your rate or approval. Note that carriers may ask about very recent, rapid weight loss, since it can signal an unrelated health issue.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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