Can you get long-term care insurance with Parkinson's disease?

This is one of the hardest answers on the site, and we would rather be honest than encouraging: after a Parkinson's diagnosis, traditional long-term care insurance is generally not available.

Why carriers decline it

Parkinson's is a progressive neurological condition that, over time, strongly predicts the loss of the ability to manage daily activities — which is precisely the risk long-term care insurance is built around. For that reason, most carriers decline new traditional applications, and asset-based policies are typically unavailable for an active diagnosis as well.

What you can still do

• Keep any coverage you already have. If you bought a policy before your diagnosis, hold onto it — that is exactly what it is for.
• Build a care-funding plan. Earmark savings, and look into Medicaid planning and family caregiving arrangements with a fee-only advisor or elder-law attorney.

Parkinson's is the clearest illustration of the site's core message: coverage is something you buy while you are healthy, because the option can close once a serious diagnosis arrives.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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