When purchasing Long-Term Care insurance a lot can factor into the process of being qualified. Just because you are able to afford LTC doesn’t mean that you will qualify for approval. Here are a list of qualifications:

-You are in relatively good health

-Average approved applicant age: 50’s or younger

-You are unable to perform at least two daily activities

-You require substantial supervision

There are also a list of conditions that automatically hinder you from getting approved for Long-Term Care insurance. Here is a list of conditions that would prevent you from qualifying:

-AIDs or HIV infection
-Alzheimer’s Disease
-Amyotrophic Lateral Sclerosis (ALS)
-Cystic Fibrosis
-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
-Parkinson’s Disease
-Post-Polio Syndrome
-Sickle Cell Anemia
-Systemic Lupus Erythematosus

It is important to start planning ahead while you are of a younger age and in relatively good health.