Author Topic: Long Term Care insurance request denied  (Read 3722 times)

ajg047

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Long Term Care insurance request denied
« on: August 20, 2013, 01:53:51 pm »
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

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Re: Long Term Care insurance request denied
« Reply #1 on: August 20, 2013, 02:38:40 pm »
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.
3/15/18 12mm x 6mm x5mm
9/21/16 12mm x 7mm x 5mm
3/23/15 12mm x 5.5mm x 4mm
3/13/14 12mm x 6mm x 4mm
8/1/13 14mm x 5mm x 4mm (Expected)
1/22/13 12mm x 3mm (Gamma Knife)
10/10/12 11mm x 4mm x 5mm
4/4/12 9mm x 4mm x 3mm (Diagnosis)

My story at: http://www.anausa.org/smf/index.php?topic=18287.0

ajg047

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Re: Long Term Care insurance request denied
« Reply #2 on: August 22, 2013, 08:52:38 am »
Great information!  Thanks for the quick reply  :)

622Hath

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Re: Long Term Care insurance request denied
« Reply #3 on: October 22, 2013, 04:57:45 pm »
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

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Re: Long Term Care insurance request denied
« Reply #4 on: October 22, 2013, 05:08:34 pm »
p.s. thanks to Arizonajack for the excellent information and easy access formatting on this subject!

 


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