Long-Term Care Insurance and Herniated Disc

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 herniated disc 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.

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for a herniated disc. Other insurers may charge applicants 50% more for a herniated disc. 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. 

Some long-term care insurers do not require a physical if you have a herniated disc. 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.

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.

When were you first diagnosed with a herniated disc?

What prescriptions have you taken in the last year for a herniated disc?

Have you ever been hospitalized or required an emergency room visit due to a herniated disc? If so, when?

Has surgery for your herniated disc been recommended?

Have you received an epidural steroid injection or a trigger point injection within the past six months? Do you have any epidural steroid injections or trigger point injections planned in the next six months?

Has surgery for the herniated disc been completed? If so, how long ago and have you fully recovered?

Have you received hardware and are there plans to remove the hardware or will the hardware remain? Do you have Harrington Rods?