Diabetes and Qualifying for Long Term Care Insurance

Diabetes of course can be a terrible disease causing much pain and health problems, especialy for older Americans as they age.  It can lead to potential problems as the disease progresses which can cause the person to need long term care as their body begins to slowly break down.  I met with a gentleman this week who has Diabetes and at first he thought he had no options when it came to buying a long term care insurance policy.  With some companies that is the case, especially if the person takes insulin.  Genworth which is the former GE Financial will not even look at a person if they are on insulin, but many of the other top companies we work with will.  John Hancock for example, will consider an insulin dependent diabetic who takes up to 50 units of insulin a day and has an A1C level under 8.0.  They really like to see it under 7.0 for the best rates.

If you have Type II Diabetes and are just taking oral medication you will have even more choices in companies but again the A1C level needs to be 7.0 or lower with most companies and of course a non-smoker.

People who have diabetes should be able to get long term care insurance if its controlled but you must do your homework and shop around with at least the top 3 companies.  At LTCtree we work with all the companies and have a good feel for various companies underwriting qualifications so we will match your unique health needs with the best company so you can get the most benefits for the least money.  Take a few minutes and fill out the form below and we will mail you your long term care insurance quotes today.