Long-Term Care Insurance and Heart Attack

by | Apr 17, 2019 | Health Conditions

Long-term care insurance and heart attack may not seem like they go together. Shopping for a long-term care insurance policy may seem difficult especially if you have had a heart attack. Getting long-term care insurance with a history of heart attack 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 a heart attack?

If you have had a heart attack 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 a heart attack?

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 a history of heart attack 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.

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Will I pay more for long-term care insurance if I have had a heart attack?

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for a history of heart attack. Other insurers may charge applicants up to 50% more for a history of heart attack, especially if there are other health conditions in combination with the heart disease. 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. 

Can I qualify for long-term care insurance if I have a family history of heart attack?

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

Can I qualify for long-term care insurance if a genetic test shows I may develop a heart attack?

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 a heart attack, 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). 

If I have had a heart attack, will I have to take a physical in order to qualify for long-term care insurance?

Some long-term care insurers do not require a physical if you have had a heart attack. 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.

Can I qualify for long-term care insurance if I’ve already applied for and been denied coverage due to a history of heart attack?

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 has a heart attack, 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 have a heart attack?

What prescriptions do you currently take?

Do you use any type of tobacco? 

Do you have any type of diabetes?

What is your height and weight?

Do you have any significant residual heart damage?

Is your blood pressure well-controlled?

Do you have peripheral vascular disease (PVD) or Carotid Artery Disease?

Request a 15-minute phone call from an LTCi specialist. No obligation.

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