Is there an exclusion for pre-existing conditions?
Pre-existing conditions may prevent you from obtaining the long term care insurance coverage in the first place, but if you qualify for coverage, they won’t affect your eligibility for benefits. You have to pass underwriting to enroll in this insurance (answering health questions, possibly authorizing access to medical records, possibly being interviewed by a registered nurse). If your application is approved, and you become eligible for benefits, it doesn’t matter whether a pre-existing condition is the reason you became eligible. You cannot be denied benefits because of a pre-existing condition which you disclosed during the application process.
