Long-Term Care Insurance and Subdural Hematoma

by | May 13, 2019 | Health Conditions

Long-term care insurance and subdural hematoma may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have had a subdural hematoma. Getting long-term care insurance with a history of subdural hematoma 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 had a subdural hematoma?

If you have had a subdural hematoma 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 your health history.

Which type of long-term care policy should I buy if I have had a subdural hematoma?

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 history of subdural hematoma 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 had a subdural hematoma?

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for a history of subdural hematoma. Other insurers may charge applicants 50% more for a history of subdural hematoma. 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 subdural hematoma?

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

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

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 subdural hematoma, 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 had a subdural hematoma 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 had a subdural hematoma. 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 a subdural hematoma?

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.

If you have had a subdural hematoma, 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 a subdural hematoma?

What prescriptions have you taken in the last year for a subdural hematoma?

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

Request a 15-minute phone call from an LTCi specialist. No obligation.

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