Long-Term Care Insurance and Ataxia
Long-term care insurance and ataxia may not seem like they go together. Shopping for a long-term care insurance policy may seem difficulty especially if you have ataxia. Getting long-term care insurance with ataxia may be 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 ataxia?
If you have ataxia you might be able to 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 ataxia?
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. 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 ataxia?
You may pay more for long-term care insurance depending upon what type of ataxia you have. Every long-term care insurance company is different. 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.
Can I qualify for long-term care insurance if I have a family history of ataxia?
Maybe. At this time, most long-term care insurance companies do not ask if you have a family history of ataxia. If you have a family history of ataxia it is recommended you obtain long-term care insurance at the earliest possible age and BEFORE you get any type of genetic testing.
Can I qualify for long-term care insurance if a genetic test shows I may develop ataxia?
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 ataxia, you might not 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 ataxia 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 ataxia. 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 ataxia, 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:
Have you been diagnosed with ataxia? If so, how long ago?
What type of ataxia do you have?
Have you ever been hospitalized or required an emergency room visit due to ataxia? If so, when?
Request a 15-minute phone call from an LTCi specialist. No obligation.
