That said here are a few items they look for in their standard questionnaire
- What is your Age?
- What is your Gender?
- Are you Married or Single?
- Are you living alone or with anyone?
- Have you had any major surgery?
- Have you had any diseases? (If so which ones)
- 1Do you currently have, or have you ever had a diagnosis for: Alzheimer Disease, Huntington, Chorea, Multiple Sclerosis, Schizophrenia, Amyotrophic, Lateral Sclerosis, Memory Loss, Muscular Dystrophy, Scleroderma, Cystic Fibrosis, Mental Retardation, Myasthenia Gravis, Spinal Cord Injury, Dementia Multiple, Myeloma, Parkinson Disease and/or Stroke/CVA.
- 2Do you currently require human assistance or supervision in any of the following activities? Eating, dressing, toileting, transferring from bed to chair, walking, maintaining continence and/or bathing
- 3Do you currently reside in, have you been advised to enter, or are you planning to enter a nursing home, assisted care living facility or other custodial facility, or are you currently receiving home healthcare services or attending adult day care?
- 4Do you currently use one of the following medical devices? Wheelchair, walker, hospital bed, quad cane, oxygen, stair-lift or dialysis.
- 5Have you been diagnosed or treated by a member of the medical profession for AIDS (Acquired Immune Deficiency Syndrome) or AIDS Related Complex?
If you answered NO to these questions there is a good chance that the underwriters at the major insurance companies will offer you a Long-Term Care policy.
LTC policies are uniquely tailored for each client.
It makes more sense to purchase LTCi the younger you are.