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Long Term Care Insurance 101

Effect Of A Pre-Existing Health Condition

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A pre-existing health condition is a condition for which you received medical advice or treatment or had symptoms within a certain period of time before you apply for an insurance policy. The length of the time period (referred to as "the look-back period"), as well as the facts which are considered, are defined in each policy and vary from company to company.

Some insurers will sell a Long Term Care Insurance policy to a person with a pre-existing condition. However, the company will generally not pay benefits for care related to that condition for a period after the policy goes into effect.

If you don't disclose a pre-existing condition, the insurer may not pay for treatment related to that condition or it may cancel the policy totally. If you lie on your application, the insurer can usually cancel the policy within two years after the policy is issued. In some cases, the policy can even be cancelled later.

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