Am I required to have a physical during the application process?

Normally no, the insurance company usually just checks your medical records and the insurance company pays your doctor for that information. However, the insurance company may ask you to see a doctor if you have not seen a doctor in many years. And many companies require a face-to-face assessment for cognitive impairment if you are past a certain age, usually 72. People who apply for long-term care insurance over the telephone can expect a medical person, such as a nurse, to bring the application by to witness the signature and observe your overall health condition. The nurse will give you a cognitive test as well, so don’t be offended by that. And please, do NOT joke about losing your car keys…that’s a quick way to get the nurse to leave and recommend you not be accepted for long-term care insurance!

Posted in: Consumer