Any applicant whose application for long term care insurance lists one or more of the following medical problems would likely be declined.
∑ suffers from cognitive impairment, including Alzheimerís Disease, dementia or other organic memory or mental health problems, which interferes with a personís ability to think clearly, live safely alone, and care for themselves independently;
∑ requires prompting, supervision, cueing or physical assistance to perform routine activities;
∑ is unable to walk around both inside and outside;
∑ has been recommended to have surgery or diagnostic testing;
∑ does not meet the recovery period for a particular condition;
∑ uses a wheelchair, a quad cane walker or oxygen;
∑ requires assistance from another individual to perform one or more Activities of Daily Living (click here to view ADL definitions);
∑ are unable to perform Instrumental Activities of Daily Living (click here to view IADL definitions) or
∑ is taking certain medications that can potentially indicate a poor risk selection. (click here to view the medication guide)
Important: The preceding list is not all-inclusive. Before submitting an application for long term care insurance, disclose and discuss all medical conditions with your agent. If there is a question about a particular medical condition most experienced professional agents will be able to obtain an informal, non-binding opinion from an underwriter about the likelihood of any particular condition resulting in a declination of an application for long term care insurance.
Activities of Daily Living
1. Bathing washing oneself in tub, shower or sponge bath
2. Dressing putting on and taking off all garments and medically necessary braces or artificial limbs usually worn and to fasten and unfasten them
3. Toileting getting to and from the toilet; getting on and off the toilet and maintaining a reasonable level of personal hygiene and to adjust clothing
4. Transferring moving in and out of a chair or bed
5. Continence voluntarily controlling bowel and bladder function; maintaining a reasonable level of personal hygiene
6. Feeding getting nourishment into the body by any means once it has been prepared and made available
7. Ambulating/Mobility walking or moving from one place to another
Instrumental Activities of Daily Living
All medications taken by a potential applicant are significant and must be reported on applications for long term care insurance.
The listed medications frequently indicate health conditions that will result in the declination of an application.
This list is only a guide. There may be additional medications not listed that may have an adverse impact on application consideration.