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

• AIDs or HIV infection

• Alzheimer's Disease

• Amyotrophic Lateral Sclerosis (ALS)

• Cystic Fibrosis

• Dementia

• Hemophilia (other than Von Willebrand disease)

• Active Hepatitis C, Non-A, Non-B, or Autoimmune

• Kidney Failure

• Liver Cirrhosis

• Memory Loss

• Mid - Advanced Multiple Sclerosis

• Muscular Dystrophy

• Paralysis

• Parkinson's Disease

• Post-Polio Syndrome

• Schizophrenia

• Sickle Cell Anemia

• Systemic Lupus Erythematosus

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