It's true, not everyone qualifies for long-term care insurance. Unfortunately by the time someone wants to purchase insurance coverage, their health has deteriorated to the point insurance companies will not accept the risk.

UNDERWRITING

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AIDs or HIV infection
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Alzheimer's Disease
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Amyotrophic Lateral Sclerosis (ALS)
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Cystic Fibrosis
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Dementia
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Hemophilia (other than Von Willebrand disease)
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Active Hepatitis C, Non-A, Non-B, or Autoimmune
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Kidney Failure
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Liver Cirrhosis
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Memory Loss
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Mid - Advanced Multiple Sclerosis
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Muscular Dystrophy
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Paralysis
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Parkinson's Disease
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Post-Polio Syndrome
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Schizophrenia
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Sickle Cell Anemia
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Systemic Lupus Erythematosus

Long-Term Care Insurance Companies Pay Their Claims. Over $3.5 Billion Paid To-Date
