LTCI is not right for everybody. Some people will not be able to buy LTCI because of their health, finances, or limitations. Money purchases LTCI, health buys it.
Most LTCI policies will not insure conditions where recovery is rare or a cure in not available at this time, or the symptoms are severe and tend to be progressive. A partial list follows.
Free quotes and rates : anecamara@mintcofinancial.com
Most LTCI policies will not insure conditions where recovery is rare or a cure in not available at this time, or the symptoms are severe and tend to be progressive. A partial list follows.
Specific Uninsurable Medical ConditionsIf you purchase long-term care insurance, you may be eligible for a credit or deduction on your taxes.You are never too young to buy LTCI, to get a preferred rate your health must be exceptional. Body weight, blood pressure, diabetes are all considered.
- AIDS
- ADL limitations
- AIDS related complex
- Alzheimer’s Disease
- Amputation due to disease
- Amyotrophic Lateral Sclerosis (ALS, Lou Gehrig’s Disease)
- Aplastic Anemia
- Ataxia, Cerebellar
- Autonomic Neuropathy (excluding impotence)
- Autonomic Insufficiency (Shy-Drager Syndrome)
- Cerebral Vascular Accident (CVA)
- Chorea
- Chronic Memory Loss
- Cirrhosis of the liver (excluding primary biliary cirrhosis)
- Cystic Fibrosis
- Dementia
- Dialysis, Kidney (Renal)
- Diabetes treated with insulin or Rezulin
- DWR failed
- Forgetfulness (freq or persistent)
- Gangrene due to diabetes or peripheral vascular disease
- Huntington’s or other forms of Choera
- Immune Deficiency Syndrome
- Incontinence-Bowl incontinence-Bladder incontinence requiring assistance
- Kidney (Renal) Dialysis
- Leukemia-except Chronic Lymphocytic Leukemia (CLL) & Hairy Cell Leukemia (HCL)
- Memory loss, chronic
- Multiple Sclerosis (MS)
- Muscular Dystrophy (MD)
- Organ Transplants-except kidney
- Organic Brain Syndrome (OBS)
- Oxygen use
- Paralysis/Paraplegia
- Parkinson’s Disease
- Pneumocystis Pneumonia
- Quadriplegic
- Senility
- Short Portable failed
- Spinal Cord Injury with ADL/IADL limitation
- Strove (CVA)
- Surgery scheduled or anticipated (except cataract under local)
- Total Parenteral Nutrition (TPN) for regular/supplementary feeding or admin of meds
- Walker or Wheelchair use
Do not put off buying LTCI while you are STILL healthy.
Free quotes and rates : anecamara@mintcofinancial.com
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