Can a 51 year old man be refused long term care insurance because of a health condition such as early rhuematoid arthritis? Are there other options?

Asked on July 2, 2009 under Insurance Law, Texas

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

I am not admitted in Texas and do not know the specific laws for the State.  However, generally each insurance company has what is known as underwriting guidelines and can term certain people "uninsurable" due to certain health conditions.  Some may insure you with this condition but they may require such a huge premium that makes it unattainable.  You can try and contact the Texas Department of Insurance for help with specifics and guidance on what insurers may insure you with this condition.  Their website is:  http://www.tdi.state.tx.us/index.html.  Good luck.

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

I am not admitted in Texas and do not know the specific laws for the State.  However, generally each insurance company has what is known as underwriting guidelines and can term certain people "uninsurable" due to certain health conditions.  Some may insure you with this condition but they may require such a huge premium that makes it unattainable.  You can try and contact the Texas Department of Insurance for help with specifics and guidance on what insurers may insure you with this condition.  Their website is:  http://www.tdi.state.tx.us/index.html.  Good luck.


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