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!
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