Can you get long-term care insurance after a stroke or TIA?

Underwriters treat a "mini-stroke" and a full stroke very differently, because they predict very different futures.

TIA vs. stroke

• A TIA (transient ischemic attack) that was isolated, some time ago, and left no lasting effects is viewed more favorably and may be insurable, sometimes at a higher rate.
• A stroke (CVA) with residual impairment — weakness, speech, or thinking changes — is usually declined for traditional coverage, because those effects directly raise the chance of needing care.

What else matters

Underwriters weigh how long ago the event was, whether there were one or several, whether you fully recovered, and the underlying cause (such as atrial fibrillation or carotid artery disease). Recent strokes are postponed or declined while things stabilize.

If you are declined

Asset-based or hybrid policies may remain an option depending on the details, and are worth exploring with a broker.

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 Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds.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