I do not see any info regarding this screening. Based upon what I have found on the web, the only ones that think this test is any good is the developer and the insurance companies. Do they ALL use this screening questionaire?
Is there any place that I can see a copy of it?

Kurt

Kurt,
On a previous post, you claimed that you were declined a LTC policy due to "pre-diabetes" which is not the case.

Here, I find you asking about a cognitive screening.

Is it possible that the reason you were declined was because you failed your cognitive test?

Again, you need to contact the company and find out why they declined you. Once you have that information, then you can look at your options, assuming there are some.
Arthur

Arthur:

If he did, he may not recall.

Yes, it is true I was denied because of pre diabetes, but my wife has been diagnosed with FTD (frontal tempral dementia).
I cancelled the application after I was denied and before she was to be screened.
Hence the reason for the 2 different questions
Yes I know if the insurance company KNOWS she has FTD, the wont write the policy. But I am not going to give them the names of any doctors.
I have paid for all doctors visits out of pocket.
I know what I am asking is not ethical, but my wifes well being trumps ethics every time. We only have 105K in savings.

re48,
OK, now the truth comes out.........

First of all, in 16 years in the business, I've never heard of anyone declined with any company due to pre-diabetes. YOU may think you have pre-diabetes, but NWM, upon looking at your medical records may feel that your lab results point to diabetes. Maybe your blood sugar levels are high enough to cause NWM to decline you, yet your doctor says "Don't worry, it's not a concern". Sometimes doctors and insurance company underwriters look at things differently.

If you want to go further with this, you need to know specifically why you were declined. Pre-diabetes? Why, high blood sugar levels? If so find out from your doctor what they are. The reason you were declined was due to information on your medical records.

Every company looks at medical conditions differently. Just because you were declined by NWL does not mean that another company will not approve.

But, again........... NOTHING can be done until you find out specifically why you were declined.

Now, on to your wife:
During the application, your agent asked her: "have you ever been diagnosed with Alzheimer's or any type of dementia or have you ever suffered memory loss or forgetfulness?"

Obviously, the answer should have been "Yes" And, if she answered "Yes" your agent should never have submitted her application because "yes" to that question is an automatic decline with every company.

Unfortunately, no company will consider her for coverage now or in the future.

Now, two more points:
1) In order to purchase a LTC policy, the company will determine your insurability upon a review of medical records. If you do not advise them who your doctors are, they will not process your application. They need to review your records so they know who they're dealing with. You cannot hide medical conditions from an insurance company. That's true for LTC, Life, disability, etc.

Point #2..........
If you only have $105,000 in savings, you should reconsider why you're purchasing a policy in the first place. I'm not a doctor and I don't know if your wife's condition is progressive, but if it is, she will obviously require care down the road.

I'm not sure where you live, but the average cost of a nursing home in the country is about $80,000/year. Here in NY it's about $130,000. Relalistically, if she needed care, you'd blow through all of your money in a little over a year and wind up on Medicaid.

If your NWM agent knew the amount of your savings, the ethical thing to do was to advise against the purchase of a policy.

Now, with that said, if in addition to your $105,000, if you have a couple of hundred thousand in equity in a home, or in excess of $100,000 in other assets, that's a different story.

I'm well aware of what you're going through. Not everyone is insurable for LTC. You might want to sit with an elder-law attorney and discuss your finances and your concerns.

But, at the end of the day, you should pursue LTCi for yourself.

Hope this helps and good luck.
Arthur