Most
Popular

Viewed

Commented

Take Charge of Your Future

Do You Have the Right Insurance?

Advice to help you determine whether a long-term care policy makes sense for you.

Can I get a policy if I have a preexisting condition?

Industry experts estimate that roughly 16 to 18 percent of people who apply for a policy are turned down because of preexisting conditions. If a company does sell a policy to someone with preexisting conditions, it often withholds payment for care related to those conditions for a specified period of time after the policy is sold. Make sure this period of withheld payments is reasonable for you.

If you fail to notify a company of a previous condition, the company may not pay for care related to that condition.

Most companies will provide an informal review to determine whether you are eligible for the policy. This is helpful if you're likely to be denied coverage since another company may ask whether you've ever been turned down for coverage.

Deciding whether long-term care insurance is right for you can take significant amounts of time and research, but you will spend your time wisely by doing it. By doing your homework, you can make a well informed decision about paying for your long-term care.

For more information about planning for long-term care, visit www.aarp.org/decide. Decide to plan now for long-term care, create a plan that works for you, and share it with your loved ones. Let AARP help you. Decide. Create. Share.SM

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts

Processing

Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Caregiving
Resource Center

Find tools, work sheets and tips on how to plan, prepare and succeed as a caregiver. Select a Caregiving Resource Center topic from the drop-down menu below.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Grandson (8-9) whispering to grandfather, close-up

Members save on hearing care with the AARP® Hearing Care Program provided by HearUSA.

AARP Discounts on ADT Companion Services

Members save 20% off installation of any NEW ADT Personal Emergency Response System.

Movies Unlimited

Members save 10% on purchases of DVDs & Blu-ray discs with Movies Unlimited.

Caregiving walking

Caregiving can be a lonely journey, but AARP offers resources that can help.

Featured
Groups

Caregiving

What do you wish you knew when you first started caring for a loved one? Discuss

Tactics for Aging In Place

Home is where the Heart is. Share with us your stories, strategies and caregiving tips for aging at home. Discuss