Long Term Care insurance request denied

[ajg047]

I recently applied for Long Term Care insurance through Unum Life insurance Company.  My request for insurance was declined "based on a history of acoustic neuroma..."
(Note - My 9mm AN was treated successfully via CyberKnife 18 months ago.)  Has anyone else had an issue obtaining LTC insurance ?

[arizonajack]

You're just going to have to try other insurance companies.

Here are some underwriting guides for LTC insurance that address acoustic neuromas.

Page 7 at:

http://www.nyltcb.com/brokers/pdfs/Mass_Mutual_Underwriting_Guide.pdf

Page 7 at:

http://www.cpssac.com/docs/PruUWGuide.pdf

Page 2 at:

http://www.longtermcareinsurancebrokerage.com/pdf/MedAmerica_UW_Guide.pdf

There might be more underwriting guides from different companies at:

https://duckduckgo.com/?q=long+term+care+insurance+underwriting

Some companies might take you as is. Some might surcharge.

Keep at it.

[ajg047]

Great information!  Thanks for the quick reply 

[622Hath]

I was also turned down for long term care insurance by Mutual of Omaha (permanently, claim they won't cover at all) and told to apply again in 3 years by Northwest Mutual and one year by Genworth for the possibility of joining a high risk class (read very high cost class).  Was told that they are extremely stringent in this area and I will be unlikely to ever qualify without successful surgery or else shrinkage or long term stability (no growth at all) of the tumor.  I have to say I did not see this one coming as I am a newly diagnosed patient on the watch and wait list with a very small tumor.

I also would like to hear about the experience of others on this subject.

[622Hath]

p.s. thanks to Arizonajack for the excellent information and easy access formatting on this subject!