Can You Get Long Term Care Insurance If You Have Ms?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Unfortunately, it is extremely difficult to get Long Term Care Insurance if you have MS. Another LTC idea for someone with mild Relapsing Remitting Multiple Sclerosis is to apply for a Life Insurance policy with a rider that offers long term care type benefits, or allows you to use some of the face amount of the policy as a "living benefit" if the you lose the ability to perform two or more ADL's. While the benefits may not be as large or comprehensive as if purchasing a traditional Long Term Care policy, the chances of qualifying for this while having Multiple Sclerosis are better than your chances of obtaining traditional LTC insurance.
    Answered on May 28, 2013
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