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Health, Life, Dental, and Disability Insurance 5527 N. Union #100 719-599-7989 |
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Medical Underwriting
All long-term care insurers will ask questions about your health history. There are many medical conditions that will not be insurable under long-term care plans. In general, many conditions that are controlled with medications are insurable. As part of the long-term care application process, you will need to list any medical problems you have or have had. The insurer will also request medical records from your doctor(s) as part of the underwriting process. Once they have completed the underwriting process, they will either offer you the insurance or decline to offer you the insurance.If you are declined coverage by an insurer, you may be able to get coverage from a different company. Each company has distinct underwriting practices. You may be refused by one and accepted by another. It is very important that you apply for coverage while you are in reasonably good health. If you wait until you are severely disabled, it is highly unlikely that you will receive any type of long-term care policy.
and Advice Since 1986
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