Who can purchase LTC insurance?

In general, anyone ages 18 TO 84, in reasonably good health, without memory problems, dementia, or Alzheimers, who doesn't use a wheelchair, walker or oxygen can purchase coverage.  See below for a partial list of those who cannot purchase.  NOTE:  Once accepted for coverage, pre-existing and future health conditions are covered.

Specific Pre-existing Health Conditions that prevent purchase:

• AIDS
• Amputation due to disease
• ALS (Lou Gehrig's Disease)
• Bladder/Bowel incontinence requiring assistance
• Blindness due to disease or with ADL limitations
• Cerebral Vascular Accident (CVA)
• Chorea
• Chronic Memory Loss
• Cystic Fibrosis
• Dementia
• Dialysis, Kidney (renal)
• Forgetfulness
• Gangrene due to Diabetes or Peripheral Vascular Disease
• Hemiplegia
• Hoyer Lift
• Immune Deficiency Syndrome
• Memory Loss Chronic
• Mesothelioma
• Multiple Sclerosis
• Muscular Dystrophy
• Organ Transplants, except kidney transplants
• Organic Brain Syndrome
• Oxygen Use, except if used for headaches or sleep apnea
• Paralysis/Paraplegia
• Parkinson's Disease
• Quadriplegia
• Senility
• Spinal Cord injury with ADL limitations
• Stroke (CVA)
• Surgery/Proceedure recommended but not yet completed
• Testing prescribed but not yet accomplished
• Total Parenteral Nutrition (feeding tube)
• Walker Use
• Wheelchair Use.