Long Term Care Insurance (LTCi) Quotes

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Medical Conditions

These are some common questions to ask during pre-screening phase for certain medical conditions…each company’s application and underwriters may of course ask additional or different questions.

Alcoholism

  • How long has the person been abstinent?  Has there been relapses?  Dates?
  • Any hospitalizations for alcohol-related problems?  Dates and details?
  • Has the applicant ever received any outpatient therapy or belong to a support group?
  • Has the applicant ever had any liver problems (cirrhosis, fatty liver, abnormal liver functions)? Details?
  • Any unintentional weight loss in the past 12 months?
  • Has the applicant had treatment in the past 24 months with Antabuse (Disulfiram), Campral (Acamprosate) or ReVia (Naltrexone)?
  • Has there been any cognitive impairments?

Asthma

  • Date of Diagnosis?
  • Is asthma seasonal or requires treatment year around?
  • Is applicant taking any medication/inhalers? Name(s)?
  • Have pulmonary function tests been performed? Date/Results (FEV1 & FVC %)?
  • Has the applicant ever used oxygen or steroids? Frequency?
  • Has nebulizer therapy been used or currently being used? If yes, dates/frequency?
  • Does the applicant have any other respiratory disorder? Date(s)/Details?
  • Any history of tobacco use?

Atrial Fibrillation

  • Date of diagnosis?
  • Is the applicant taking any medication? Name(s)? Dosage?
  • Any hospitalization for condition within the past 12 months?
  • What is the current treatment? What medication?  When was the treatment started?
  • Has the applicant ever been hospitalized for a heart or circulatory problem? Date(s)/Details?
  • Any history of Transient Ischemic Attack (TIAs), stroke, dizziness within the past 5 years?
  • Has the applicant ever required cardioversion? Dates(s)/Results?

Cancer

  • Type of cancer?
  • When was the cancer diagnosed?
  • What type of treatment has occurred and when was the date of the last treatment?
  • Were there complications associated with treatment?
  • Has there a recurrence of the cancer?
  • What is the Stage and grade of the cancer?
  • How many positive lymph nodes were found?

Chronic Obstructive Pulmonary Disease (COPD)

  • Date of Diagnosis?
  • Is applicant taking any medication/inhalers? Name(s)?
  • Has the applicant ever used oxygen or steroids? Frequency/Dosage?
  • Have pulmonary function tests been performed? Date/Results (FEV1 & FVC %)?
  • Any hospitalizations for condition within the past 12 months?
  • Does the applicant have any other respiratory disorder? Date(s)/Details?
  • Are cigarettes or other tobacco products currently used or within last 36 months?

Crohn’s Disease, Irritable Bowel Syndrome, Ulcerative Colitis 

  • Date of diagnosis?
  • Is the applicant taking any medication? Name(s)/Dosage?
  • Date of last flare?
  • Has the applicant ever been hospitalized or had surgery performed (colostomy, colectomy)? Date(s)/Details?  Is surgery anticipated?
  • Any steroid treatment required in the past 12 months? If yes, current dosage?
  • Current treatment?
  • Any complications?

Depression

  • Date of diagnosis?
  • Is the applicant taking any medication? Name(s)?
  • Any ADL or IADL limitations or cognitive impairments?
  • Any treatments (example: electroconvulsive shock therapy)?  Dates?
  • Any hospitalization for depression, anxiety or other mental illness within the past 24 months?
  • Any history of alcohol or drug dependency within the past 36 months?

Diabetes

  • Date of diagnosis?
  • What type of diabetes does the applicant have (Type I, Type II)?
  • Current treatment? (diet control, oral medications, insulin injections or an insulin pump)
  • Is insulin being used? Type, units/Day?
  • Most recent laboratory test results (blood sugar readings or Hemoglobin A1C)?
  • Any hospitalization within the past 24 months for related complications?
  • Any history of neuropathy (numbness, pain, or tingling of the extremities), nephropathy (kidney complications), or retinopathy (visual complications)?
  • Has there been a history of recurrent skin complications (e.g. skin breakdown, foot ulcers, and infections)?
  • Any amputation or blindness due to diabetes?
  • Does the applicant use tobacco? If no, when was last use?

Heart Attack

  • What was the date of the heart attack?
  • Have there been multiple heart attacks?
  • Has there been surgical intervention?
  • Is there any history of angina that restricts activity?
  • Is there any history of Congestive Heart Failure (CHF)?
  • Is angioplasty or heart surgery anticipated?

Hypertension

  • Date of diagnosis?
  • Is the applicant taking any medication? Name(s)?
  • What are the applicant’s average blood pressure readings?
  • Has the applicant ever been hospitalized for hypertension or hypertensive complications? Date(s)/Details?
  • Does the applicant have any other heart or circulatory problems? Details?
  • Does the applicant have any kidney problems? Details?

Stroke (similar questions for Transient Ischemic Attack…aka, TIA)

  • Date stroke occurred?
  • Single or Multiple Occurrence?
  • On any medication? Name(s)?
  • Loss of speech, weakness, mobility problems, or limitation in ADL or IADLs?  Explain.
  • Any history of diabetes, heart arrhythmias, TIA, congestive heart failure, carotid artery disease? Details?
  • Any heart or carotid artery surgery (e.g., angioplasty, bypass grafts, valve replacements)?
  • Any tobacco use? If no, when stopped?

Note on Recent or Planned Surgery (ies)

When an applicant has had recent or planned surgery there is typically postponement periods before an applicant can apply for long term care insurance.  Insurance companies can differ in how long the waiting periods last before an application can be submitted.

Assuming completion of a waiting period, full recovery, no co-morbid conditions or complications, release from medical care, and resumption of normal activities of daily living…here are some typical postponement examples:

  • Back / Spine minimum… minimum 6 months
  • Coronary artery angioplasty… minimum 3 months*
  • Coronary artery bypass graft… minimum 6 months*
  • Heart valve replacement (single or double)… minimum 6 months*
  • Hip or knee replacement / Fracture… minimum 3 months
  • Other major surgery… minimum 3 months

*may be year or more if co-morbid conditions or complications

Smoking

A person who currently smokes (use tobacco products in general) or has in the recent past, assuming no other medical conditions or complications, will generally receive a standard health class offer. One company does not rate for use of any tobacco products other than cigarettes (cigar, pipe, et al smokers can be eligible for preferred rates)!

Generally, an individual has quit smoking for a period of 12 months or more can be eligible for preferred rates. Some carriers have a two year requirement.

For use of medical marijuana, the individual would generally be a standard health class with most companies. The insurance company will typically want to see the frequency of use and any comorbid conditions.

As mentioned, doing “pre-screening” or “pre-qualification” with an applicant before any formal application is submitted to an insurance company is critical. Work with a qualified advisor who can provide you with independent and objective advice.

Call us at (866) 609-4909 to discuss your situation. Or fill out our simple request for quotes and we would be happy to work with you.

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