For many individuals, not knowing what to expect in an interview can make people nervous. The more you know about the interview and process, the more comfortable and prepared you’ll be when it’s time for your personal health interview.
Why a Personal Health Interview?
The personal health interview is the next step in applying for Long Term Care insurance. Interviews are conducted by a registered nurse in person or over the phone and help determine your eligibility for coverage as part of the underwriting process.
The information you provide in your interview is confidential and only used during the application process with the carrier you choose. Your information is not released without written authorization.
How Does It Work?
Depending on your age, you may be required to complete a phone health interview, a face-to-face interview, or both. The insurance carrier you choose, or one of their vendors, will contact you to schedule an appointment.
Phone health interviews take 30-45 minutes to complete. Face-to-face interviews take place in your home and typically last for one hour.
What Questions Will They Ask?
During the interview, you will be asked a series of questions about your daily activities, including current health status and medications. The nurse will also ask questions to test your memory and mental ability.
These questions are not meant to be difficult and may include:
- Your social activities and living arrangements
- The names of your primary care physician (PCP) and specialists you see
- Which medications you take
- Any plans for surgeries, medical tests, or medical consultations
- Any use of medical devices such as wheelchairs, walkers, or canes
Important Tips for the Long Term Care Insurance Interview
Your answers to their questions will determine if you’re eligible for a Long Term Care insurance policy. It’s important to avoid distractions and give the interviewer your full attention. Make sure to answer their questions completely and accurately.
To prepare for the interview:
- Make a list of your current PCP and specialists with contact information
- Have access to a list of your current prescriptions and over-the-counter medications including the name, dosage, and frequency
- Turn off the television or music
- Move to a quiet location to avoid distractions
- Make sure you can hear the interviewer clearly
- Answer all questions truthfully and to the best of your ability
- If distractions occur, let the nurse know and ask to reschedule at a better time
Take time to prepare for the interview and be familiar with what to expect during the underwriting process. Following these simple steps will help you feel ready and ease any nerves.
Ready to start the Long Term Care insurance application process? Speak with an LTC Specialist today about your options.
LTC Consumer is an independent, free online service to help consumers understand what long term care insurance is, how it works, and how to evaluate coverage options. Our mission is to provide an educational, no-pressure resource for learning about long term care planning, with the opportunity to speak with specialists who can help them.