Long-Term Care Insurance and Epilepsy
Long-term care insurance and epilepsy may not seem like they go together. Shopping for a long-term care insurance policy may seem difficult especially if you have epilepsy. Getting long-term care insurance with epilepsy is possible if you work with an experienced long-term care insurance specialist that will help you shop for a policy.
Can I qualify for long-term care insurance if I have epilepsy?
If you have epilepsy 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 unique health history.
Which type of long-term care policy should I buy if I have epilepsy?
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 epilepsy 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 epilepsy?
Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for epilepsy. Other insurers may charge applicants up to 40% more for epilepsy. 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 from different insurance companies.
Can I qualify for long-term care insurance if I have a family history of epilepsy?
Yes, you can qualify for long-term care insurance if you have a family history of epilepsy. Most long-term care insurance companies are not concerned when there’s a family history of epilepsy.
Can I qualify for long-term care insurance if a genetic test shows I may develop epilepsy?
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 epilepsy, 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 epilepsy 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 epilepsy. 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 epilepsy?
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 epilepsy, 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 was your last seizure?
How many seizures do you normally have per year?
Do you have good control of your epilepsy with medication?
What kind of seizure was your last attack: Jacksonian, petit mal, grand mal, or simple partial?
If you’ve had a grand mal seizure has it been more than three years since the attack?