The older we get, the more health conditions we begin inheriting from our relatives. That’s why in the Long Term Care Insurance industry we say there is a sweet spot for purchasing coverage. You want to be old enough that you’re not paying premiums for too long, but young enough that you’re still healthy enough to health qualify. For many, as they get older, the probability of getting arthritis is pretty high. So what does that mean in terms of qualifying for long term care insurance?
What is Arthritis?
Arthritis is a term used to describe inflammation and stiffness in the joints. It is a common condition that affects millions of people worldwide, and there are over 100 different types of arthritis. The most common types of arthritis include osteoarthritis, rheumatoid arthritis, psoriatic arthritis, and gout.
"Arthritis is a common condition that affects millions of people worldwide."
Osteoarthritis is caused by wear and tear on the joints, while rheumatoid arthritis is an autoimmune disease in which the immune system attacks the joints. Psoriatic arthritis is a type of arthritis that affects people with psoriasis, a skin condition, and gout is a type of arthritis caused by a buildup of uric acid crystals in the joints.
Symptoms of arthritis include joint pain, stiffness, swelling, and decreased range of motion. Treatment for arthritis depends on the type and severity of the condition but can include medications, physical therapy, lifestyle changes, and surgery in some cases.
Care Required for Severe Arthritis
If someone has severe arthritis, they may require help with a variety of tasks due to pain, stiffness, and limited mobility. Some examples of tasks they may require assistance with include:
- Activities of daily living (ADLs) such as bathing, dressing, grooming, and toileting
- Mobility-related tasks such as walking, getting in and out of chairs or bed, and using stairs
- Household tasks such as cooking, cleaning, laundry, and grocery shopping
- Medication management, including remembering to take medication on time and ensuring the correct dosage
- Managing appointments with healthcare providers and attending medical appointments
- Emotional support and companionship
Individuals with severe arthritis may also benefit from assistive devices such as canes, walkers, or wheelchairs to aid with mobility. Additionally, they may benefit from physical therapy to help manage pain and improve range of motion. It's essential to work with healthcare professionals and caregivers to develop a personalized care plan that meets the individual's unique needs and goals.
Can Someone with Arthritis Qualify for Long Term Care Insurance?
Whether or not someone with arthritis qualifies for long term care insurance will depend on the specific policy and the severity of the condition, medications taken, a history of falls or fractures, injections, or if the condition is now bone-on-bone. Long term care insurance underwriters are leery of applicants who may need assistance with ADLs right away.
Arthritis can affect mobility and make it difficult for individuals to perform ADLs independently, which could make them go on claim sooner. However, the extent of the coverage and the cost of the policy will depend on the severity of the condition and the policy's terms and conditions.
It's important to note that pre-existing conditions may impact eligibility for long term care insurance, and coverage can vary depending on the individual's age, health status, and other factors. It's recommended that individuals with arthritis consult with a long term care specialist to determine if long term care insurance is an appropriate option for their unique situation.
Find out if you Qualify
Insurance carriers have different underwriting standards. So, it’s best to work with a professional who knows where and how to find the carrier that offers the best chances of getting you covered. A long term care insurance specialist will shop the marketplace on your behalf to save you valuable time and money.
"Insurance carriers have different underwriting standards. So, it’s best to work with a professional who knows where and how to find the carrier that offers the best chances of getting you covered."
Don’t delay. Take advantage of your good health today. Request a quote.
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