Can someone diagnosed with disease or dementia still get Long term care insurance?

In general, individuals diagnosed with a disease or dementia may face limitations in obtaining long-term care insurance. Long-term care insurance is designed to provide coverage for individuals who require assistance with daily activities due to chronic illness, injury, or cognitive impairment.

However, the underwriting process for long-term care insurance involves assessing an individual's health and functional status. If an individual has a pre-existing condition or impairment, they may be considered higher risk by insurance companies, which could result in higher premiums, limited coverage, or even denial of coverage.

It's important to consult with a long-term care insurance specialist or agent to understand the impact of a specific diagnosis on insurance eligibility and coverage options. Each insurance carrier may have its own underwriting criteria and guidelines for assessing applicants with medical conditions.

In some cases, individuals with disease or dementia may still qualify for long-term care insurance, depending on the severity and progression of the condition, the individual's overall health, and their functional capacity. It may also be possible to obtain coverage for specific types of care or services, such as home health aide assistance or nursing home care.

When applying for long-term care insurance, it's essential to provide accurate information about any pre-existing conditions, medical history, and functional status. Transparency in the application process can help ensure proper evaluation and increase the chances of obtaining suitable coverage.