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More Baby Boomers Rejected by Long Term Care Insurance Companies
Date:5/23/2013

Atlanta, Georgia (PRWEB) May 23, 2013

Long-Term Care Insurance shopping site LTC Tree has identified a disturbing downtrend in the rate at which applicants for Long Term Care Insurance are approved by insurance companies and able to buy coverage.

The decision to buy a Long Term Care Insurance policy is an important planning decision, but even consumers willing and able to purchase protection are increasingly being turned away by insurance companies, unable to buy a policy at any price. A variety of chronic conditions appear to be responsible for the trend, including the well-publicized obesity epidemic, diabetes, heart disease, and even an increased reliance on anxiety drugs.

LTC Tree CEO, Darrick Wilkins, explains that, “These companies are really tightening the underwriting belt. People with conditions such as Diabetes that would have been approved in the past are getting declined now. If you have good health, Long Term Care Insurance is a savvy retirement planning strategy to hedge your risk for the unforeseen, like accidents or Alzheimer’s. Like any insurance, you hope to buy it, put it in the safety deposit box, and never touch it again.”

Long Term Care Insurance Approval Statistics:

  •     LTC Tree’s Case Approval rate from 1999-2011 is 80.91%
  •     LTC Tree’s Case Approval rate from 2012-2013 is 65.45%

Long Term Care encompasses a variety of services. The most common types of long term care are in-home health aids, assisted living facilities, nursing homes, and adult day cares. Long Term Care Insurance is a solution to help cover the cost of these expensive services, protecting personal assets from being used up in life’s last stages.

Alzheimer’s and other forms of dementia are the leading reasons
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