Does having a pacemaker make you uninsurable for long-term care insurance?


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2015-07-15 18:28:38
2015-07-15 18:28:38
Many companies will consider you for coverage after 90 days to 6 months after recovery from implantation. Everything must be stable.I found this in a pamphlet from the Health Insurance Association of America:

Preexisting conditions are health problems you had when you became insured. Insurance companies may require that a period of time pass before the policy pays for care related to these conditions. For example, a company may exclude coverage of preexisting conditions for six months. This means that if you need long term care within six months of the policy's issue date for that condition, you may be denied benefits. Companies do not generally exclude coverage for preexisting conditions for more than six months.

I don't know if that really answers your question. Maybe someone else can elaborate specifically on your situation with a pacemaker.

A pacemaker does not ordinarily disqualify you for LTCi. What LTC underwriters are primarily looking for are conditions that would make you a higher risk of needing extended care. Different companies have different underwriting requirements. Find an agent that your comfortable with and give it a shot. Worse thing that can happen is that you get declined and have to try somewhere else. You'll get any preliminary premium returned if your are declined.

Also, LTC policies generally do not have a pre-existing condition clause. You will either be approved or not. For some conditions if you ARE declined you may re-apply after a designated period of recovery time.


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No it doesn't. If you need a pacemaker due to having tachycardia(heart speeds too fast) or bradycardia (heart slows), life insurance is available with a number of impaired risk life insurance companies. the following pacemaker life insurance info may be helpful The main concern for life insurance companies is the risk of infection after the pacemaker is implanted. With that being said, most companies will postpone you for life insurance for a period of 3-6 months after implant. Once this time passes, you may be able to get a policy at "standard" rates or a table rated policy. All you can do is check with the companies... There's a price for everything.

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Yes, in the state of Tennessee it does. I have been denied by all independent agencies, and by TennCare, too. They all say I am uninsurable even though I have lifetime coverage on any and all heart problems through a workers compensation settlement. Many people who are denied insurance use other alternatives. If your employer has a group plan, that is your best bet. The advantage of a group plan is that pretty much everyone is accepted, regardless of health. If you can't get coverage that way, check with your state. Depending on where you live, you may be able to get coverage though a state program. In Colorado, I am under the state's "CoverColorado" program and in Wisconsin I was covered under "HIRSP". (I've had a pacemaker since I was 20.) Check out your state's department of health for available programs. It seems that not all states have such programs in place, though I know a few (like Tennessee) are in the process of implemeting such a program.

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