• Do You Really Need Long-Term Care Insurance?
• Does Your State Have A Long Term Care Insurance Partnership Program?
• Buying Long-Term Care Insurance: What Is the Best Age to Purchase?
• Your Long-Term Care Insurance Plan: How to Find an Affordable Policy without Sacrificing Coverage
• Top 8 Facts About Long-Term Care Insurance in 2009
• How Long Will You Have To Pay Long-Term Care Insurance Premiums?
• The Underwriting Process: How the Price of your LTCI Premiums are Determined
• Long-Term Care Insurance: The Application & Underwriting Processes
• Why You Could Be Declined For Long-Term Care Insurance
• The Advantages of Long-Term Care Insurance for Couples
• No Long-Term Care Insurance? Read This!
• LTCI: Does Automatic Inflation Protection Guarantee Against Rate Hikes?
• A Sneaky Secret About Long-Term Care Insurance Premiums
• How to Identify a Partnership-Qualified Long-Term Care Insurance Policy
• State Long-Term Care Partnership Programs: An Overview
• The Most Common & Expensive Long-Term Care Insurance Mistake
• Preserve Your Long-Term Care Coverage with Inflation Protection
• Long Term Care Insurance: How to Choose the Best Elimination Period
• Do You Really Need All Those Long-Term Care Insurance Options?
• Are Tax-Qualified LTCI Policies Consumer Friendly?
• Choosing the Long-term Care Insurance Company That’s Right for You
• Tax Benefits for Long-term Care Insurance: What You Qualify For
• How Do You Select A Daily Benefit For Long-term Care Insurance?
• Which is Better: Individual Long-Term Care Insurance or Group Plans?
• Preparing for the High Cost of Long-Term Care
• When Should You Consider Buying Long-Term Care Insurance?
• The Facts: What Medicaid Pays for Long-term Care

COMMENTS
2 Responses to “Choosing the Long-term Care Insurance Company That’s Right for You”

1. ralph Says:
   

   i thought having a chronic condition automatically disqualified you from this kind of insurance. are there levels usually? like if you have diabetes but otherwise in good health is it hard to get a policy?

2. Duane Lipham Says:
   

   That's a great question, Ralph. There are a couple of things to keep in mind regarding chronic health conditions.

   1. From one carrier to another there can be a vast difference in how they view certain health conditions. While one may decline an application based on a certain health condition, another may accept it with little problem. Here is where an experienced LTCI agent can help you choose the best company that fits your particular health history.

   2. Even though some health conditions may exclude you from the best rating possible, you may still be able to qualify for coverage, although perhaps at a lower rate classification instead.

   With regard to your question about diabetes, actually many very solid companies will accept a person who has Type 2 diabetes as long as it has been stable for awhile and there are not other major health conditions going on at the same time.

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