Who Is Eligible For Long Term Care Insurance? 
There are similar eligibility requirements for Long Term Care Insurance as there are for Life Insurance . The applicant must meet a certain age requirement -LRB- usually , under 84 years old for LTC insurance -RRB- , must have sufficient income to afford premium payments , and must meet the health guidelines . The health guidelines for Long Term Care insurance do differ from Life Insurance guidelines because LTC insurance is more concerned more about your chances of becoming disabled than it is about your chances of dying . E.g. Someone with polio would have a hard time getting Long Term Care insurance , even if the disease had little effect on their life , whereas that person would have little problem getting Life insurance . 