What If You Don’t Qualify for Traditional LTC?

Shawn Plummer

CEO, The Annuity Expert

Long-term care insurance (LTC) is designed to cover care not usually covered by health insurance, Medicare, or Medicaid. To qualify for LTC insurance, applicants must meet specific criteria set by insurance companies. This section explores the qualifying criteria and alternatives for those who may not meet them.

What If You Don’t Qualify for Traditional LTC?

If you are unable to meet the underwriting criteria of one company, there are alternatives:

  1. Shop from Multiple Companies: Different companies have varying underwriting criteria. If you don’t qualify with one insurer, another might accept you. Using an independent agent like The Annuity Expert can get you quotes from multiple companies.
  2. LTC Benefits via Annuities: For those who can’t qualify for traditional LTC insurance, certain annuities offer LTC benefits. These annuities typically do not require medical underwriting, making them a viable option for those with pre-existing conditions or who fail traditional underwriting criteria.

Key Qualifying Criteria for Traditional LTC Insurance

  1. Medical Underwriting: Most LTC policies require medical underwriting. This process evaluates the health and medical history of the applicant to determine their eligibility and premium rates.
  2. Health Interview: Applicants often undergo a health interview where they answer questions about their medical history, current health condition, and lifestyle.
  3. Cognitive Screening: Some insurers may also require a cognitive screening, especially for older applicants, to assess their mental function and rule out conditions like dementia or Alzheimer’s disease.

Comparison of Traditional LTC Insurance and LTC Annuities

FeatureTraditional LTC InsuranceLTC Annuities
Medical UnderwritingRequired (health interview and possibly cognitive screening)Not required
EligibilityBased on health conditionMore flexible, suitable for those with pre-existing conditions
CoverageSpecifically for long-term careCombined with the benefits of an annuity
PremiumsBased on health risk assessmentBased on annuity terms


Qualifying for long-term care insurance involves meeting specific health criteria through medical underwriting, including a health interview and possibly a cognitive screen. If traditional LTC isn’t an option, there are alternatives like annuities with LTC benefits that require no medical underwriting. Understanding these options ensures you can find the right long-term care coverage to meet your needs. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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