While long term care insurance is available to many individuals, there are certain groups who may not be eligible or may have limitations when it comes to obtaining this type of coverage. Here are some examples of who may not be able to get long term care insurance:
1. Individuals with pre-existing conditions: Some insurance companies may exclude coverage for pre-existing conditions or charge higher premiums for individuals with certain health conditions.
2. Individuals with certain age limits: Some insurance companies have age restrictions and may not offer coverage to individuals beyond a certain age.
3. Individuals already receiving long term care services: If someone is already receiving long term care services, they may not be able to purchase long term care insurance.
4. Individuals with cognitive impairments: Insurance companies may have limitations or exclusions for individuals with certain cognitive impairments.
It's important to review the specific eligibility criteria of insurance companies and consult with an insurance specialist to determine if you are eligible for long term care insurance.