Long-Term Care Insurance and Speech Therapy
Long-term care insurance and speech therapy may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have speech therapy. Getting long-term care insurance with speech therapy is possible if you work with a long-term care insurance specialist that will help you shop for a policy.
Can I qualify for long-term care insurance if I have had speech therapy?
If you have had speech therapy you can probably qualify for long-term care coverage. Every insurance company has different criteria to determine who they can insure. It’s important to work with an experienced, independent agent who is familiar with the four main types of long-term care coverage. An independent, long-term care specialist can recommend the perfect policy for you based upon your health history.
Which type of long-term care policy should I buy if I have had speech therapy?
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. 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.
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Can I qualify for long-term care insurance if I have a family history of speech therapy?
Yes, you can qualify for long-term care insurance if you have a family history of speech therapy. Most long-term care insurance companies are not concerned when there’s a family history of speech therapy.
Can I qualify for long-term care insurance if I’ve already applied for and been denied coverage due to speech therapy?
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.
If you have speech therapy, a long-term care insurance specialist will ask you the following questions to determine if you can qualify for a long-term care insurance policy and calculate your premium:
When did you receive speech therapy?
Why did you need speech therapy?
Do you have more speech therapy planned in the future?
Request a 15-minute phone call from an LTCi specialist. No obligation.