Long-Term Care Insurance and Hashimoto’s Thyroiditis

by | Apr 30, 2019 | Health Conditions

Long-term care insurance and Hashimoto’s thyroiditis may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have Hashimoto’s thyroiditis. Getting long-term care insurance with Hashimoto’s thyroiditis 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 Hashimoto's thyroiditis?

Yes. If you have Hashimoto’s thyroiditis you will be able to qualify for long-term care coverage.Ā 

Which type of long-term care policy should I buy if I have Hashimoto's thyroiditis?

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 Hashimoto’s thyroiditis 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 ā€œPolicy Finderā€ 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.

Which type of policy is right for you?

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Custom quote in 2 hours.
Instant ranking of the 4 types of long-term care coverage.

Will I pay more for long-term care insurance if I have Hashimoto's thyroiditis?

Every long-term care insurance company is different. In most cases and with most companies you will not pay a higher premium because you have Hashimoto’s thyroiditis. Some insurers may charge applicants up to 20% more for Hashimoto’s thyroiditis, but most won’t. 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.Ā 

Can I qualify for long-term care insurance if I have a family history of Hashimoto's thyroiditis?

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

Can I qualify for long-term care insurance if a genetic test shows I may develop Hashimoto's thyroiditis?

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 Hashimoto’s thyroiditis, 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 careĀ insurance specialists (no obligation).Ā 

If I have Hashimoto's thyroiditis 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 Hashimoto’s thyroiditis. Most long-term careĀ 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 insuranceĀ policy is best for you.

If you have Hashimoto's thyroiditis, 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 Hashimoto’s thyroiditis?

What prescriptions have you taken in the last year for Hashimoto’s thyroiditis?

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