Medical Conditions: Exclusions for Long-Term Care Insurance

If you have any indication of, have been diagnosed with, or have been treated for any of the following medical conditions, you are not eligible to apply for long-term care insurance:

  • Alcohol and/or drug abuse within the last 3 years
  • Alzheimer disease, dementia
  • Amputation secondary to disease
  • Amyotrophic lateral sclerosis (ALS)
  • Ataxia (unstable gait)
  • Blindness secondary to disease
  • Cancer, if any recurrence, or with metastases(4)
  • Cerebral palsy
  • Chronic obstructive pulmonary disease (COPD)
  • Cirrhosis of the liver
  • Cystic fibrosis
  • Dizziness or vertigo (ongoing problems)
  • Emphysema
  • Epilepsy attack within the last 12 months
  • Hepatitis C or active hepatitis B
  • HIV positive or AIDS
  • Huntington's chorea
  • Kidney disease
  • Leukemia
  • Lupus (other than discoid)
  • Major organ transplant(5)
  • Multiple sclerosis (MS)
  • Muscular dystrophy
  • Osteoporosis with fractures
  • Paralysis
  • Parkinson disease
  • Post-polio syndrome
  • Pulmonary fibrosis
  • Senility, memory loss, or cognitive impairment
  • Sickle cell disease
  • Stroke or transient ischemic attack (TIA)