I began to negotiate with Mass Mutual for LTC policy when I turned 65. They had insurance “nurses” call me and gave me a mental evaluation over the telephone which I failed (they were from Massachusetts and liberals). They also scrutinized my past medical history and turned me down because my history and family were a “risk”. I’m with minimal problems and wonder how anyone with any problems at all can get LTC insurance.
I would think that LTC insurers would want smokers, cancer histories, obese, etc. or those likely to die quickly. Their worst case scenario would appear to me to be a healthy individual with Alzheimer’s lingering on for decades in a facility.