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Long term care coverage may not be issued or approved until underwriting has completed any applicable underwriting review. In addition to possible medical questions asked during the application process, you may be contacted by a company representative or their vendor for additional information and/or you may be requested to take additional actions prior to approval of your long term care application (Ex: Attending Physician’s Statement, Underwriting Assessment, Medical Examination, etc.). Completing an application is not a guarantee that the application will be approved. If you do not respond to carrier underwriting requests in a timely manner, your application for long term care coverage may be denied. Some carriers may consider you ineligible for future coverage if previous application requests are denied. In addition, please be aware that carriers may impose an actively-at-work requirement that may delay coverage if you are absent from work due to injury, sickness, temporary layoff or leave of absence on your coverage effective date (or during a period prior to your effective date, as defined by the carrier) and may not begin until you return to work in active employment.

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