Long-Term Care Insurance and Polymyalgia Rheumatica

by | Apr 28, 2019 | Health Conditions

Long-term care insurance and polymyalgia rheumatica may not seem like they go together. Shopping for a long-term care insurance policy can be difficult  or confusing especially if you have polymyalgia rheumatica. Getting long-term care insurance with polymyalgia rheumatica is possible. It’s important to work with a long-term care insurance specialist that can help you shop for a policy from several leading companies.

Can I qualify for long-term care insurance if I have polymyalgia rheumatica?

If you have polymyalgia rheumatica 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 the details of your history of polymyalgia rheumatica. 

Which type of long-term care policy should I buy if I have polymyalgia rheumatica?

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 polymyalgia rheumatica 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 polymyalgia rheumatica?

Not necessarily. It depends upon the severity. Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more due to polymyalgia rheumatica. Other insurers may charge applicants up to 50% more due to polymyalgia rheumatica. That’s why it’s important to work with a long-term care insurance professional who can help you shop around and compare several different policies. 

If you have polymyalgia rheumatica, 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 polymyalgia rheumatica?

What prescriptions have you taken in the last year for polymyalgia rheumatica?

Do you take narcotic pain medications on a regular basis? If so, how frequently?

Do you take an oral steroid? If so, how many mg’s do you take per day?

Have you ever been hospitalized or required an emergency room visit due to polymyalgia rheumatica? If so, when?

Do you have functional limitations due to the polymyalgia rheumatica?

Is your polymyalgia rheumatica considered mild, moderate, or severe?

Do you have any vision problems due to giant cell arteritis?

Do you have any difficulty swallowing?

Do you have any visual impairment?

Have you had any unintentional weight loss in the past 12 months?

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

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

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

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 polymyalgia rheumatica, 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 polymyalgia rheumatica 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 polymyalgia rheumatica. 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 polymyalgia rheumatica?

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.

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