Review your Doctors notes if you ever complained or have been diagnosed with the following BEFORE you apply for long-term care insurance

Before you answer no to all these symptoms, remember most doctors write down everything they hear from you, and many patients speak to their doctors like drunken sailors. It doesn’t matter if this is a file note or a diagnosis. If it is in the notes, your doctor will have to explain in writing or correct the notes before you will be approved. This could add months to your underwriting process.

• Recurrent memory loss
• Mental incapacity
• Multiple sclerosis
• Parkinson’s
• Paralysis
• Chronic back pain
• Disk problems
• Autoimmune disorder
• Leukemia
• Cancer
• Depression, alcohol or drug abuse
• Diabetes
• Rheumatoid arthritis
• Aneurysm
• Heart value replacement
• Cardiovascular disease
• Sleep apnea
• Seizure or convulsion
• TIA (mini stroke)
• Tremors
• Multiple falls
• Smoking, even one cigarette or cigar disclosed is considered smoking and will impact your underwriting.

 
Take time and make a list of every doctor visit, reason, tests completed, diagnosis, status of that diagnosis, medication prescribed and status of that medication before you engage a broker to shop for you. Any open items in medical notes will have to be resolved or closed prior to final approval.