Is A Physical Required For Long Term Care Insurance? 
Yes , a physical is required for Long Term Care Insurance when applying for an individual plan . When working for a business that offers group Long Term Care Insurance , a physical will generally not be required . The physical required for individual Long Term Care Insurance helps the insurance company determine your health risks , tobacco status , etc , all of which enter into the calculation of your LTC premiums , and help them decide whether or not your application can be approved . 