Can you qualify for Long-Term Care Insurance if you have an autoimmune or inflammatory condition?
Answer:
Possibly. An autoimmune or inflammatory diagnosis does not automatically make someone ineligible for Long-Term Care Insurance. Because coverage is medically underwritten, insurers may consider the specific diagnosis, severity, medications and treatment, recent flare-ups, complications, functional limitations, and whether the condition is stable and well controlled. Underwriting guidelines for LTC Insurance vary by insurance company.