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A long-term care insurance policy usually defines a pre-existing condition as one for which you received a medical advice or treatment or had symptoms within a certain period before you applied for the policy. Some companies look further back in time than others. That may be important to you if you have a pre-existing condition. A company that learns you didn’t tell them about a pre-existing condition on your application might not pay for treatment related to that condition and might even cancel your coverage.
Many companies will sell a policy to someone with pre-existing condition. However, the company may not pay benefits for long-term care related to that condition for a period after the policy goes into effect, usually six months. Some companies have longer pre-existing condition periods; others have none. ©1999 National Association of Insurance Commissioners |
Call Carmen Taddeo at 724-378-3321
Your Long-Term Care Health Insurance Specialist
Serving the Greater Pittsburgh Area
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Have Pre-Existing Conditions? |
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