LTC Pre-Underwriting Questions To Consider

Coverage will often be difficult to obtain with “Yes” answers to any of these initial questions:

Have you ever been diagnosed with:

Alzheimer’s Disease or Dementia, or taking any medication for memory loss?

Emphysema, chronic obstructive pulmonary disease (COPD) or congestive heart failure

Parkinson’s Disease, Multiple Sclerosis or Muscular Dystrophy

Rheumatoid Arthritis or taking methotrexate, prednisone, enbrel or remicade for joint pain?

Osteoporosis that is untreated or with a history of compression fractures or height loss of two inches or more?

A Stroke or Transient Ischemic Attack (TIA) within the last 24 months or heart attack, heart or carotid artery surgery within the last 6 months?

Cancer (other than non-melanoma skin cancer) within the last 6 months?

Type I diabetes?

ALS, Cystic Fibrosis, Huntington's Chorea, Multiple Myeloma, Myasthenia Gravis, Schizophrenia, Scleroderma, Spinal Cord Injury.

Are you currently:

Pending consultation or surgery for a medical procedure or treatment that has been recommended but not yet completed?

On dialysis?

Using supplied Oxygen for any reason?

The recipient of an organ transplant?

Do you:

Use a cane of any variety, walker or wheelchair on a regular or intermittent basis?

Take any narcotic drug or prescription pain medication on a regular basis?

Have an implantable defibrillator?



Additional Questions That Will Be Asked In Underwriting (& Require More Info For) To Determine Eligibility For LTC


Date of last physical

Were you previously declined for LTC coverage?

Currently receiving physical therapy or received in last year?

Any surgeries planned?

Any surgeries in the last three years?

Have you been to a specialist in the past 3 years?

Any mental or cognitive limitations?

Tobacco use in last 5 years?

Do you regularly consume 4 or more alcoholic beverages per day, or drink 5 or more drinks in a day more than 1 day a week?

Do you have any limitations with bathing, dressing, eating, mobility, or continence?

Have either of your biological parents or any siblings been diagnosed with Alzheimer's or dementia?
Have you ever been diagnosed with arrhythmia/irregular heartbeat or Atrial Fibrillation?
Have you ever been diagnosed with Sleep Apnea?
Have you ever had a heart attack?
Have you ever been diagnosed with heart disease?
Have you ever been diagnosed with Coronary or Carotid Artery Disease?
Have you ever been hospitalized for a heart or circulatory problem?
Have you ever required electrical cardioversion?
Have you ever experienced symptoms of palpitations, chest pain, dizziness?
Have you ever been diagnosed with depression?
Have you ever been diagnosed with diabetes?
Have you ever been diagnosed with rheumatoid arthritis?
Have you ever been diagnosed with osteoarthritis?
Have you ever been diagnosed with hypertension?
Have you ever had a stroke or TIA?
Have you ever been diagnosed with osteoporosis?
Have you ever been diagnosed with cancer(s)?

Do you have a handicap placard, sticker, or license plate for your vehicle?

Are you currently receiving Social Security Disability, private disability, or VA disability?

List all prescribed medications that you have taken in the last 3 years.