Long Term Care Insurance

Anyone tried to get long term care insurance with an AFib diagnosis and a pacemaker?



by piglet22 - 2023-03-15 11:28:04


In theory, it shouldn't make any difference especially as you have been diagnosed and treated.

It's the ones who haven't they need to worry about

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by Angry Sparrow - 2023-03-15 14:21:32

Age is a big factor the underwriters consiider,  there is also the fact we seem to be in a health care revelution.

If you are a member of a union or have membership is another large organization there may be a reasonably priced policy available,  a bit like slipping in with a large group.

When my mother was alive I purchased Extended Care for her via P.E.R.S.

Your best hope is to just search, things change so you need current information, such as exactly what is covered and how long, with inflation such as it is now costs are rapidly increasing.

Long term care

by AgentX86 - 2023-03-15 22:59:51

I don't think a pacemaker or Afib is going to be a problem (I could be wrong). 

It's the ugly side of insurance is that an acute, deadly, disease will cost the insurance less then a chronic disease that will need a lot of care, like MS.  They're not going to underwrite someone with MS but probably will for someone with a pacemaker.

The right way to look at insurance is a bet that you want the insurance company to win.


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