Long-Term Care Insurance and Arthritis

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. The best type of policy for people with arthritis is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. 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 10% more for arthritis. Other insurers may charge applicants 50% more for arthritis. 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. 

Yes, you can qualify for long-term care insurance if you have a family history of arthritis. Most long-term care insurance companies are not concerned when there’s a family history of arthritis.

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 arthritis, 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 arthritis. 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.

When were you first diagnosed with arthritis?

What prescriptions and over-the-counter medications have you taken in the last year for arthritis?

Has your doctor recommended you have any joint replacement surgery in the next year or two?

Do you have any joints that are “bone-on-bone”?

Have you had any shots in the past two years to help relieve arthritic pain (e.g. synvisc, Euflexxa, cortisone, etc…)