Long-Term Care Insurance and Plantar Fasciitis

by | Apr 22, 2019 | Health Conditions

Long-term care insurance and plantar fasciitis may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have plantar fasciitis. Getting long-term care insurance with plantar fasciitis 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 plantar fasciitis?

If you have plantar fasciitis you will 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 plantar fasciitis?

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 plantar fasciitis 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 plantar fasciitis?

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% to 20% more for plantar fasciitis. Other insurers may give the Preferred Health Discount for someone with plantar fasciitis. 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. 

If I have plantar fasciitis 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 plantar fasciitis. 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.

If you have plantar fasciitis, 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 were you first diagnosed with plantar fasciitis?

How is your plantar fasciitis being treated?

 

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