Long term care insurance may not be available to individuals who have certain pre-existing conditions or who already require long term care services. Additionally, individuals who are already receiving long term care services or who have a history of certain medical conditions may be ineligible for long term care insurance. Furthermore, individuals with a history of substance abuse or certain mental health conditions may also face challenges in obtaining long term care insurance. It's important to consult with insurance providers to understand specific eligibility criteria and options for long term care insurance coverage.