How To Qualify For Long Term Care Insurance? 
In order to qualify to get a Long Term Care Insurance policy , you must fill out an application and take an exam . The application goes to underwriting where it is determined if your health is good enough to get approved . If it is , you are issued a LTC policy . Some health conditions that would cause a decline are AIDS , ALS , Alzheimers , dementia , kidney failure , liver cirrhosis , and Parkinsons . Certain mood disorders , moderate to severe arthritis , MS , advanced diabetes and/or heart disease , stroke , and other conditions that can lead to inability to care for one 's self are also potential hindrances to qualifying for Long Term Care Insurance . To find out whether you qualify for Long Term Care Insurance , call or visit an agent that carries several LTC choices and answer all their questions . It is much easier to find out ahead of time if you can not qualify , than it is to be declined later . This way you can also get the policy that has your best price if you do qualify . 