Long-Term Care Insurance and Heart Valve Replacement

There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. Which type of long-term care policy is best for someone with a heart valve replacement depends a lot upon other health conditions you may have. We’ve had clients with a heart valve replacement approved for all four types of long-term care coverage. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 20% more for heart valve replacement. Other insurers may charge applicants 50% more for heart valve replacement. That’s why it’s important to work with an long-term care insurance professional who can help you shop around and compare several different policies. 

We always advise our clients to apply for long-term care insurance before they get genetic testing. If you have a genetic test that shows you could develop the need for a heart valve replacement, you will probably still be able to qualify for long-term care insurance. To make sure, click here to schedule a 15-minute conversation with one of our long-term care insurance specialists (no obligation). 

Some long-term care insurers do not require a physical if you have a heart valve replacement. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you.

Long-term care insurance specialists have less than 20% of their applicants declined. Insurance “generalists” have about 50% of their long-term care insurance applications declined. With over 25 years of experience, we can pinpoint exactly which company (and which type of policy) you’ll be able to qualify for. We have about an 80% success rate in helping our clients get approved even if they were previously declined due to a heart valve replacement.

When did you have your heart valve replacement?

Have you used any tobacco in the last 5 years?

What prescriptions have you taken in the last year for any reason?

Have you ever had a stroke or mini-stroke?

Do you have carotid artery disease?

Do you have any type of diabetes?