✅ Medically reviewed by Dr. Thomas Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026

What Disqualifies From Long-Term Care Insurance?

What Disqualifies From Long-Term Care Insurance? 👉What Disqualifies From Long-Term Care Insurance? There are requirements and disqualifications 👈 Can Anyone Get Long-Term Care Insurance? Not everyone can get long-term care insurance, and certain prerequisites are required. To qualify for coverage, you must meet certain requirements, such as legal requirements. Most insurance companies require you to be 18 years old and a U.S. citizen or legal resident. You must also be in good health and have no pre-existing medical conditions. Different insurance companies have different disqualifications. Different companies have different disqualifications. Long-Term Care Insurance Disqualifications A major health condition: If you have a major health condition, such as cancer, heart disease, or Alzheimer’s disease, you will likely be disqualified from long-term care insurance. A history of substance abuse: If you have a history of substance abuse, you will not be eligible for coverage. This includes abuse of alcohol, drugs, and prescription medications. A criminal record: If you have a criminal record, you may be disqualified from long-term care insurance. This is especially true if you have been convicted of a felony. Elderly age: If you are considered elderly (usually over 85), you may not be eligible for long-term care insurance. Who Qualifies For Long-Term Care Insurance? Most people over 65 and with a significant health condition will generally qualify. However, each insurance company has its specific criteria that they use to determine eligibility. For example, some companies may require that you have a certain amount of assets or income to qualify. Others may only consider your health history when making a decision. Ultimately, it is up to the insurance company to decide who qualifies for long-term care insurance. If you think you might need this type of coverage, be sure to research the requirements of different insurance providers to find one that best meets your needs. Get Home Care Assistance in Michigan with Assisting Hands Home Care:

Assisting Hands Michigan

📢See a Physician!📢 See a Physician if you have a health issue. This information is NOT specific to your medical problem. If in Michigan, consider seeing us:

Assisting Hands Michigan

Directions: https://g.page/r/Ca4Dg-JS_3XPEAE 👉– LINKS –👈 (With some links, we use affiliate links and may earn a commission. Check with your doctor before using any product!) 📢Disclaimer:📢 This video and description contain affiliate links, which means we may receive a commission if you click on one of the product links. Thank you for your support of this channel! This is opinion only: Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video. Healthcare practitioners: The content here is for education purposes only. The authors have done their best to provide the most up-to-date evidence-based information, but this content should definitely not be considered any type of medical standard. It does not reflect individual practices in other geographic areas. This is strictly for medical education purposes only, and it is not intended for diagnosis or treatment. The information in these videos is the author’s opinion and is not an official opinion of any organizations that the authors may be a part of. The authors or speakers are not associated with any of the above products.

Getting Expert Foot and Ankle Care in Michigan: Balance Foot & Ankle

Michigan patients with any foot or ankle concern — from chronic pain and structural deformity to wound care, nail problems, and sports injuries — can receive expert podiatric evaluation at Balance Foot & Ankle. Our fellowship-trained podiatric surgeons provide the full spectrum of podiatric care, combining conservative and surgical options tailored to each patient’s specific diagnosis, activity level, and treatment goals. We are in-network with major Michigan insurance plans including Blue Cross Blue Shield of Michigan, Aetna, UnitedHealthcare, Cigna, Medicare, and most Medicare Advantage plans. Both of our Michigan offices — Howell at 4330 E Grand River (serving Livingston County) and Bloomfield Hills at 43494 Woodward Ave #208 (serving Oakland County and northern Metro Detroit) — offer same-week new patient appointments, in-office digital X-ray, and dedicated parking. Michigan patients ready to address their foot or ankle problem can call (810) 206-1402 to schedule with Balance Foot & Ankle.

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Related Treatment Guides

• Plantar Fasciitis & Heel Pain Treatment
• Custom 3D Orthotics
• Sports Foot & Ankle Injury Treatment
• Bunion Treatment

Medical References & Sources

• American Podiatric Medical Association — Patient Education
• American Orthopaedic Foot & Ankle Society — Foot Conditions

Podiatrist-Recommended Products for Seniors & Long-Term Care Patients

Proper foot care is essential for seniors and long-term care patients. Diabetic-friendly footwear, compression socks, and orthopedic support can prevent serious complications and reduce the need for costly medical visits.

Related resources: Best Diabetic Socks 2026 | Best Orthopedic Slippers 2026 | Custom 3D Orthotics

Get Expert Help at Balance Foot & Ankle

If this condition is affecting your daily activities or hasn’t improved with home treatment, schedule an evaluation with Dr. Tom Biernacki. We offer same-day appointments at our Howell and Bloomfield Hills locations and accept most insurance including Medicare. Most patients are walking comfortably within 4-6 weeks of starting our protocol — conservative care first, surgery only when needed.

Call (248) 337-5500 or request an appointment online. Our team responds within 1 business hour during clinic days.