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Pre-Existing Conditions

Quick Answer

A pre-existing condition is a health condition that an individual had before they applied for Long-Term Care Insurance.

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Detailed Answer

Pre-existing conditions are health conditions that began before applying for Long-Term Care Insurance. Many insurance companies require stability periods or treatments for those with pre-existing conditions.

Pre-existing conditions can include almost any medical issue. A few common ones are chronic pain, high blood pressure, and diabetes. Many pre-existing conditions need treatment to improve.

Some pre-existing conditions can prevent you from obtaining a Long-Term Care Insurance policy. These conditions may cause higher premium prices, and others may not have any effect on cost or coverage at all.

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