A long-term care insurance policy usually defines a
pre-existing condition as one for which you received medical advice or treatment
or had symptoms within a certain period before you applied for the policy. Some
companies look further back in time than others. That may be important to you if
you have a pre-existing condition on your application might not pay for
treatment related to that condition and might even cancel you coverage.
Many companies will sell a policy to someone with a
pre-existing condition. However, the company may not pay benefits for long-term
care related to that condition for a period after the policy goes into effect,
usually six months. Some companies have longer pre-existing condition periods;
others have none.