This week, Kim in Illinois asks what kinds of health risks will cause someone to be rejected for LTC coverage.  Just like with most kinds of insurance, we need to be at an acceptable risk in order to qualify for coverage.  If we are in average good health, we are likely to be approved, but there are some potential risks that LTC insurance companies won't accept.  Their primary obligation is to protect those who already have coverage.  In order to keep the overall risk of a group of insureds (clients) "clean", and to keep their commitments to current clients, insurers need to carefully decide who is or is not a good risk.