It's true, not everyone qualifies for long-term care insurance. Unfortunately by the time someone wants to purchase insurance coverage, their health has deteriorated to the point insurance companies will not accept the risk.



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  • AIDs or HIV infection

  • Alzheimer's Disease

  • Amyotrophic Lateral Sclerosis (ALS)

  • Cystic Fibrosis

  • Dementia

  • Hemophilia (other than Von Willebrand disease)

  • Active Hepatitis C, Non-A, Non-B, or Autoimmune

  • Kidney Failure

  • Liver Cirrhosis

  • Memory Loss

  • Mid - Advanced Multiple Sclerosis

  • Muscular Dystrophy

  • Paralysis

  • Parkinson's Disease

  • Post-Polio Syndrome

  • Schizophrenia

  • Sickle Cell Anemia

  • Systemic Lupus Erythematosus


Long-Term Care Insurance Companies Pay Their Claims.  Over $3.5 Billion Paid To-Date