How to Qualify for Long Term Care Insurance

Long term care insurance is an important financial tool that can provide coverage for the costs associated with long term care services. It is designed to help individuals maintain their independence and protect their assets in the event that they require long term care in the future.

Qualifying for long term care insurance involves meeting certain criteria set by insurance providers. While the specific requirements may vary from one insurer to another, there are some common factors that are typically considered during the qualification process.


Age is an important factor when it comes to qualifying for long term care insurance. Most insurance providers require individuals to be at least 18 years old to apply for coverage. However, the ideal age to apply for long term care insurance is typically between 50 and 65. Applying at a younger age can help secure better rates and increase the likelihood of approval.

Health Status

Health status is another crucial factor in qualifying for long term care insurance. Insurance providers will evaluate your current health condition and may require a medical examination or review of your medical records. Pre-existing health conditions, such as heart disease or diabetes, may affect your ability to qualify for coverage or result in higher premiums.

It’s important to note that some insurance providers offer policies with limited underwriting, which means they may not require a medical examination or extensive health history review. These policies may be more accessible for individuals with certain health conditions or older individuals who may have difficulty qualifying for traditional long term care insurance.

Activities of Daily Living (ADLs)

Activities of Daily Living (ADLs) are basic self-care tasks that individuals typically perform on a daily basis. Insurance providers often consider a person’s ability to perform ADLs when determining eligibility for long term care insurance. ADLs include tasks such as bathing, dressing, eating, toileting, transferring, and continence.

Insurance providers may require applicants to have difficulty performing a certain number of ADLs or require assistance with these tasks. The specific requirements may vary, but the inability to perform ADLs independently can increase the chances of qualifying for long term care insurance.

Income and Assets

Some long term care insurance policies have financial eligibility requirements. Insurance providers may consider an individual’s income and assets when determining eligibility for coverage. The purpose of these requirements is to ensure that the individual has a genuine need for long term care insurance and to prevent individuals from purchasing coverage they may not need.

It’s important to review the specific financial eligibility criteria of the insurance provider you are considering to determine if you meet their requirements.

Waiting Period

Long term care insurance policies often have a waiting period or elimination period before benefits are paid out. This waiting period is the amount of time that must pass after a qualifying event occurs before the insurance coverage begins to pay for long term care services.

The length of the waiting period can vary depending on the policy, but it typically ranges from 30 to 90 days. Some policies may offer a zero-day waiting period for certain conditions, such as cognitive impairment.


Qualifying for long term care insurance involves meeting certain criteria related to age, health status, ability to perform ADLs, income, assets, and the waiting period. It’s important to carefully review the requirements of insurance providers and consider your individual needs when selecting a long term care insurance policy.

By understanding the qualification process and working with a knowledgeable insurance agent, you can find a long term care insurance policy that provides the coverage you need to protect your future.

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