Can I Be Denied Long Term Care Insurance? 
Yes , you can be declined for a medical condition and/or adverse health history as it pertains to `` morbidity '' . Morbidity involves a reduced ability to perform mental or physical activities . Such ailments as arthritis , cognitive impairment , Alzheimer 's disease , advanced osteoporosis , lung malfunction , and blindness are all classified under morbidity . If one uses tobacco and has any morbidity issue , that usually results in a decline as well , but smoking by itself does not often result in a decline.Underwriting for long-term care insurance is getting tighter . Genworth , for instance , will soon be requiring some medical work for applicants , which may include lab tests -LRB- urine sample and blood draw -RRB- . Carriers are also moving toward gender-based premiums , with male applicant costs being lower than female applicant costs due to the fact that more women go on claim than men . This is also true for most insurance , so it 's not a new concept . Life insurance costs are higher for men than women because women live longer . Disability Insurance has had gender-based rates for quite a while . Only Montana has mandatory uni-sex rates for all insurance.Before submitting a formal application for long-term care , an applicant should be pre-screened by completing a medical questionnaire provided either by the carrier or the representing agent . Applicants should answer all answers truthfully and completely to determine medical eligibility . It is better to be told not to submit an application due to confidential prescreening than have a formal application declined . 