Who Is Not Eligible For Long Term Care Insurance? 
There are a variety of conditions which can make one ineligible -LRB- uninsurable -RRB- for individual long term care insurance . The underwriting process - risk selection and risk categorization by the insurance company - is different for long term care insurance than for life insurance -LRB- mortality -RRB- or disability insurance -LRB- morbidity -RRB- . So , it is possible to be declined for life insurance but insurable for long term care insurance . At a high level , long term care insurance underwriters generally consider the proposed insureds ; height and weight , medical history , and ability to perform the activities of daily living -LRB- ADLs -RRB- . Cognitive and mobility impairments are common examples of conditions which would make one uninsurable . 