Long Term Care Insurance

[emma]

Has anyone else had trouble getting long term care insurance? I've got health insurance through my employer, but long term care insurance is optional, and we have to supply evidence of good health to qualify.

I had been thinking for a long time that I should have long term care insurance - I'm 51 and single - but I recently applied and was turned down!

I have no medical history of any health problems other than Celiac (I suppose my medical records indicate anemia and mild osteopenia as well. I do take anti-depressants, and have for years.) I don't think I have any other risk factors. I actually thought I was in pretty good shape and on the way to recovering from any Celiac-related issues I have.

Sheesh. Do insurers just see Celiac as a "life-long chronic condition" (which I guess it is) and give it a thumbs down? Ironically, I think I take better care of myself than most people.

I can appeal the decision. I'm wondering now if, (assuming an appeal is successful),when and if I'm in need of long term care, the insurance company will deny my coverage based on a "pre-existing" condition. I suppose anything I

end up needing care for could somehow be related to Celiac, and therefore denied.

I'm worried!

[Rikki Tikki]

Hi Emma:

Be sure to post whatever you find out. That would be awful if they tell us if and when we need it that it's a pre-exsisting condition.

Sally

[debmidge]

what about life Insurance?

If you get no satisifaction from the appeal process, then go to your State's Dept. of Insurance, if it doesn't upset your relationship with your employer..... as insurers are regulated by the state and if the state feels that they are being unfair, they'll force the insurer to write your coverage.