Long-Term Care Insurance and Spinal Surgery
Long-term care insurance and spinal surgery may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you have had spinal surgery. Getting long-term care insurance with a history of spinal surgery 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 spinal surgery?
If you have had spinal surgery 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 spinal surgery?
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 spinal surgery 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 spinal surgery?
Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for spinal surgery. Other insurers may charge applicants 50% more for spinal surgery. 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 spinal surgery?
Yes, you can qualify for long-term care insurance if you have a family history of spinal surgery. Most long-term care insurance companies are not concerned when there’s a family history of spinal surgery.
Can I qualify for long-term care insurance if a genetic test shows I may develop the need for spinal surgery?
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 the need for spinal surgery, 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 spinal surgery, 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 spinal surgery. 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 spinal surgery?
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 spinal surgery, 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 the need for spinal surgery?
What prescriptions have you taken in the last year for spinal surgery?
Have you ever been hospitalized or required an emergency room visit due to spinal surgery? If so, when?