As a Financial Planner, I sell Long Term Care insurance. In insurance terms, the underwriting risks in LTC or disability insurance are very different than those for life insurance, so companies approach these policies very carefully. The following is an attempt to summarize how insurance companies think. Please do not blame me for this logic.
Insurance companies work on probabilities.
IS a disabling condition, in that some people cannot do 1 or more of these basic ADLs because of dystonia. Therefore, people who have dystonia are more expensive to insure for long term care, therefore either don't insure them or charge them more Statistically, Cancer is potentially fatal, but is NOT a major disabler. If her cancer treatment is successful, she has an average risk of needing long term care. Therefore they are NOT a greater risk for LTC insurance Your wife would have more trouble than you getting LIFE insurance, but you will have trouble getting LTC insurance. Depending on your current condition, you might be able to challenge the decline by contacting the company's chief underwriter with strong medical documentation that you are in no way impaired by your dystonia - focus especially on that company's list of ADLs, which should be in your proposal.