This week, we're talking about health qualifying for LTC benefits. What to do... What not to do... LTC planning is all about timing.  If you apply at the wrong time or with the wrong company, you could be declined for something that would have been approved had we waited for the right time or company.  We don't want to make this mistake. It takes a lot longer to overturn a decline than it does to wait until the best time to apply for a more likely approval. LTC underwriters really are nice people.  Their job is to find reasons someone would be too much risk to the company's other clients.  My goal is to know where and when you are most likely to be approved. If you have a health concern and wonder if it is an acceptable risk to getting LTC coverage, ask me for help.  The insurance companies are not a part of our conversation until we invite them in with an application. Schedule at