Can you get long term care insurance if you had a stroke?


Stroke is the fifth leading cause of death and disability in the U.S. and kills over 133,000 Americans each year.  The good news is that strokes are preventable.  By controlling your blood pressure and visiting your doctor for routine checkups, you can decrease the chances of getting a stroke.
A stroke is essentially an attack on the brain.   A stroke occurs when blood flow to an area of the brain is cut off.  Brain cells start to suffocate and begin to die.  When this happens, abilities that are controlled by the area of that brain are lost.  Most victims of a stroke lose their memory and muscle control. 

 
Stroke statistics:

 
Each year nearly 800,000 people experience a new or recurrent stroke.
A stroke happens every 40 seconds.
Stroke is the fifth leading cause of death in the U.S.
Every 4 minutes someone dies from stroke.
Up to 80 percent of strokes can be prevented.
Stroke is the leading cause of adult disability in the U.S.

 
Long Term Care Insurance (LTCI) is bought with your health. If you’ve experienced a Transient Ischemic Attack (TIA) within two years, or more than one TIA, you will likely be declined for coverage. Other complicating health factors could make it even more difficult to be approved. Certain insurance carriers may be more lenient than others for specific medical conditions. Work with an LTCI Specialist to discuss your medical history and to find out if you may be eligible for coverage.

Cosmo Insurance Agency has enormous expertise in the LTC insurance market. We will advise you of your most updated options, and independently shop for the carrier that will give you the lowest premiums. Regardless of your age and health situation, we can virtually always get you approved for an attractive LTC plan from one or more reputable carriers.

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