Can you get long-term care insurance with kidney disease?

Kidney disease is underwritten by how advanced it is and how stable. Early, mild disease is treated very differently from advanced disease or dialysis.

What underwriters look at

• Severity. Mild, stable chronic kidney disease may be insurable, usually at a higher rate. Moderate disease gets a closer look.
• Dialysis. Being on dialysis is generally a decline for traditional coverage, because it signals a high likelihood of needing care.
• Transplant history. A kidney transplant is usually a decline for traditional long-term care insurance.
• Underlying cause. Kidney disease driven by diabetes or high blood pressure is weighed alongside those conditions.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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.