Yes, a physical is required for Long Term Care Insurance when applying for an individual plan. When working for a business that offers group Long Term Care Insurance, a physical will generally not be required.
The physical required for individual Long Term Care Insurance helps the insurance company determine your health risks, tobacco status, etc, all of which enter into the calculation of your LTC premiums, and help them decide whether or not your application can be approved.
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The physical required for individual Long Term Care Insurance helps the insurance company determine your health risks, tobacco status, etc, all of which enter into the calculation of your LTC premiums, and help them decide whether or not your application can be approved.