in order to buy long term health care insurance would you subject yourself to gene testing?

[Stevenpelly]

I've been writing these policies for 20 years. No insurance company currently requires genetic testing as a prerequisite to being approved for Long Term Care Insurance coverage. What they generally do require is at least two years of medical records from your primary physician, and they can require progress notes from a specialist- if you saw that specialist for a condition that could conceivably result in needing long term care soon after you are approved for coverage. -Steven Pelly, CLTC, Managing General Agent, Westwood Insurance Group, River Vale, NJ

[luvmyhoss]

Originally Posted by Stevenpelly

I've been writing these policies for 20 years. No insurance company currently requires genetic testing as a prerequisite to being approved for Long Term Care Insurance coverage. What they generally do require is at least two years of medical records from your primary physician, and they can require progress notes from a specialist- if you saw that specialist for a condition that could conceivably result in needing long term care soon after you are approved for coverage. -Steven Pelly, CLTC, Managing General Agent, Westwood Insurance Group, River Vale, NJ

Wave of the future according to the PBS special. And another poster #9 I think said it is
allowed for some policies.

[jasper12]

My Great Grandparents all eight of them, lived past 90. Died from sudden strokes. My genetic heritage is spotless. No Alzeimer, no blindness. Not even cancer,! Might be something to that Mormon lifestyle. No booze, no smoking, no laziness. My Grandmother was the only one who ended in a nursing home, she was obese, and fell and broke her hip.

I work on staying healthy. I work out, watch my food. I am not going to worry about long term care insurance.