Long-Term Care Insurance and Kidney Disorder

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 kidney disorder 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 up to 20% more for a kidney disorder. Other insurers may charge applicants up to 75% more for a kidney disorder. 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. 

Yes, you can qualify for long-term care insurance if you have a family history of kidney disorders, unless you have a family history of polycystic kidney disease. If you have a family history of polycystic kidney disease, it may be very difficult for you to purchase long-term care insurance.

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 a kidney disorder, you may still be able to qualify for long-term care insurance. However, if the genetic test shows you’ve inherited polycystic kidney disease you probably won’t 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). 

Some long-term care insurers do not require a physical if you have a kidney disorder. 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 kidney disorder?

What prescriptions have you taken in the last year for a kidney disorder?

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

Are you diabetic?

Is your blood pressure well-controlled?

Are your kidney functions stable?

What are you creatinine levels?

Do you have any protein in your urine (proteinuria)?

Have you had a kidney transplant?

If you require kidney dialysis, you will not be able to qualify for long-term care insurance.