Generally, the answer is no. The clear majority of plans have no pre-existing language in the policy. They will either approve your application or not. However, a few companies may include a six-month pre-existing clause. This means if you make a claim in the first six months of a policy’s existence they would exclude benefits if it were due to a condition known prior. After six months all pre-existing health conditions would be covered. Be sure to ask the Long-Term Care specialist about the policy you are considering.
A Long-Term Care Specialist is an insurance agent who has substantial experience in Long-Term Care Insurance.
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