Can you get long-term care insurance with osteoporosis?

Osteoporosis on its own is often insurable. The reason underwriters pay attention to it is fall-and-fracture risk — a serious fracture, particularly a hip fracture, is one of the most common events that leads to needing long-term care.

What matters

• Mild, treated osteoporosis with no fractures usually has little effect on eligibility.
• A history of fractures or falls makes underwriting harder, because it directly raises the chance of needing care.
• Reduced mobility or frailty alongside osteoporosis is a bigger concern than the bone-density number itself.

Staying active, treating the condition, and avoiding falls all help — both your health and your application.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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