Reasons for Denial of Long-Term Insurance
Long-term care insurance provides money to pay for both nursing homes and in home health care. Most people don't think about the potential of a nursing home until later in life when the insurance may not be available because of deteriorating health.
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Function
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Companies often deny coverage if you have a condition that frequently leads to nursing home or home health care.
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Uninsurable
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People who already require assistance bathing, dressing, eating, toileting, transferring and maintaining continence are not insurable under long-term health care plans.
Handicapped
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You may be able to do all the things for yourself but if you have a severe handicap, you probably won't get the insurance. Those visually impaired, particularly from a stroke, people using wheel chairs and walkers and those on dialysis won't normally get coverage.
Diseases
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Another reason for denial of long-term care insurance is HIV or AIDS. Those with diabetes, recent strokes and cancer within the last five years may receive a rejection.
Conditions
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Multiple sclerosis, ALS, muscular dystrophy or Parkinson's disease are conditions that cause most companies to reject applicants.
Mental Conditions
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Alzheimer's disease, dementia, brain disorder or an organic disease of the brain also brings rejections. If a doctor never officially diagnosed you but you show symptoms, the company may request further evaluation.
References
- Photo Credit Image by Flickr.com, courtesy of Ingrid
