How Do I Qualify for Long Term Care Insurance?

[stacywarner]

I was told I didn't qualify for long term care insurance because of my medical history. I did have cancer surgery back then but I already completed the treatment with chemo and radiation. Am I not allowed to have one at all?

 

[Mr_Ed]

I was told I didn't qualify for long term care insurance because of my medical history. I did have cancer surgery back then but I already completed the treatment with chemo and radiation. Am I not allowed to have one at all?

You may be able to qualify for a policy after a period of time has passed since your last chemo or radiation treatment.

The amount of time that must pass varies from company to company and depends upon what type of cancer you had and what stage it was.

Some companies are much more likely to insure a cancer survivor than others.

 

[Arthur Rudnick]

previously posted by christophertux

Some insurance company might be willing to sell you a policy with an exclusion period regarding your cancer.

There are no exclusions in a LTC policy. If insurable, every medical condition is covered.

 

[ltcadviser]

I was told I didn't qualify for long term care insurance because of my medical history. I did have cancer surgery back then but I already completed the treatment with chemo and radiation. Am I not allowed to have one at all?

Many companies are very liberal with cancer history. With no metasasis if is likely you can be approved.

Cancer and Long Term Care Insurance Underwriting - LTC Partner

 

[LTCi Consultants]

To StacyWarner: As Mr_Ed stated, you will need to provide us with more information regarding your cancer history. For example; type of cancer, staging and date of least treatment.