Long-term care (LTC) insurance helps cover the costs related to a nursing home stay, assisted living facility, or caretakers working at your home or taking a bath due to health issues or because you’re just getting older.

Many long-term care insurance policies disqualify individuals with pre-existing medical conditions, as they pose a higher risk for future care needs.

If you have severe memory problems like Alzheimer's, you might not qualify for this insurance because it usually covers that kind of care.

Some policies may have age restrictions, disqualifying individuals who are too young or too old to apply for coverage.

You are hospitalizations recently or for long-term care services, you disqualifying to get coverage because it suggests a higher risk of ongoing care needs.

If you already get disability benefits or Medicaid, you might not be able to get long-term care insurance.

If you've had problems with drugs or alcohol, they might not give you this insurance because it can lead to health issues needing long-term care.

If you're very sick with no cure, you might not qualify for long-term care insurance because it usually covers ongoing care, not end-of-life care.

If you have a history of certain criminal activities, such as elder abuse or financial fraud, you could disqualify from long-term care insurance coverage due to trust and safety concerns.