Underwriting
What Health Conditions Affect LTC Eligibility?
Long-term care underwriting is stricter than life insurance—but the picture isn't all-or-nothing. Many conditions are approvable with the right carrier or product design.
Cardiovascular
Controlled high blood pressure and cholesterol are usually fine. Recent heart attack, stents, or CHF typically require a waiting period or alternative product.
Diabetes & Metabolic
Well-managed Type 2 diabetes can qualify with several carriers. Complications (neuropathy, retinopathy, insulin dependence with A1c above target) narrow options quickly.
Cognitive & Neurological
Any history of MCI, Alzheimer's, Parkinson's, or unexplained memory testing is usually a decline for traditional LTC. Hybrid and asset-based products may still work.
Common Auto-Declines
- Alzheimer's disease, dementia, or mild cognitive impairment
- Parkinson's disease or Multiple Sclerosis (varies by carrier)
- ALS, Huntington's, or other progressive neurologic disease
- Currently receiving home care or facility care
- Metastatic cancer or cancer in active treatment
If Traditional LTC Isn't an Option
- Hybrid life + LTC: simplified underwriting on many designs.
- Annuity + LTC: often available with health issues that decline traditional coverage.
- Self-funding strategies: earmarked assets, HSAs, and family care agreements.
- Medicaid/Medi-Cal planning: a fallback plan built with an elder-law attorney.
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