Can you get long-term care insurance with depression or anxiety?

Common, well-managed depression or anxiety is usually not a barrier to long-term care coverage. Underwriters distinguish carefully between everyday, treated mental-health conditions and more serious or unstable ones.

What underwriters look at

• Severity and stability. Mild, stable depression or anxiety on a steady treatment plan is commonly insurable, often at standard rates.
• Warning signs. Recent psychiatric hospitalizations, several medications at once, or a history of suicide attempts draw more scrutiny.
• Effect on daily life. Because long-term care coverage is about the ability to manage daily living, conditions that affect memory or day-to-day function are looked at more closely.
• More serious diagnoses. Bipolar disorder and psychotic conditions are underwritten more strictly than ordinary depression or anxiety.

A stable treatment history is your best asset here — it shows the condition is well managed.

General information only. Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds. Nothing here is a guarantee of coverage or a quote — only a licensed carrier reviewing your medical history can tell you what you qualify for. This is educational and not insurance, legal, tax, or financial advice.