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	<title>New answer on: Can I Be Denied Long Term Care Insurance?</title>

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		<title>By: William Bridgers</title>

		<link>https://www.insurancelibrary.com/long-term-care-insurance/can-i-be-denied-long-term-care-insurance</link>

		<dc:creator>William Bridgers</dc:creator>

		<pubDate>Mon, 08 Jul 2013 16:48:03 +0000</pubDate>

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		<description><![CDATA[Yes, you can be declined for a medical condition and/or adverse health history as it pertains to &quot;morbidity&quot;.&#160; Morbidity involves a reduced ability to perform&#160;mental or physical activities.&#160; Such ailments as arthritis, cognitive impairment, Alzheimer&#039;s disease, advanced osteoporosis, lung malfunction, and blindness are all classified under morbidity.&#160; If one uses tobacco and has any morbidity issue, that usually results in a decline as well, but smoking by itself does not often result in a decline.Underwriting for long-term care insurance is getting tighter.&#160; Genworth, for instance, will soon be requiring some medical work for applicants,&#160;which may include&#160;lab tests (urine sample and blood draw).Carriers are also moving toward gender-based premiums, with male applicant costs being lower than female applicant costs due to the fact that more women go on claim than men.&#160; This is also true for most insurance, so it&#039;s not a new concept.&#160; Life insurance costs are higher for men than women because women live longer.&#160; Disability Insurance has had gender-based rates for quite a while.&#160; Only Montana has mandatory uni-sex&#160;rates for all insurance.Before submitting a formal application for long-term care, an applicant should be pre-screened by completing a medical questionnaire provided either by the carrier or the representing agent.&#160; Applicants should answer all answers truthfully and completely to determine medical eligibility.&#160; It is better to be told not to submit an application due to confidential prescreening than have a formal application declined.]]></description>

		

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