Long Term Care Insurance for Pre-Existing Conditions
Author: United Security Assurance Company of Pennsylvania
Published: 2011/07/20 - Updated: 2026/02/03
Publication Type: Informative
Category Topic: Insurance - Related Publications
Page Content: Synopsis - Introduction - Main - Insights, Updates
Synopsis: This information details specialized long term care insurance options from United Security Assurance Company of Pennsylvania, specifically designed for individuals with pre-existing health conditions who typically face difficulty obtaining coverage. The content is authoritative because it comes directly from an insurance provider explaining their LifeStyle Solutions and LifeStyle Solutions Select plans, which are tax-qualified products available in nine states. This matters to people with disabilities, seniors, and those managing chronic conditions like diabetes, cancer, Parkinson's, Multiple Sclerosis, or osteoporosis because standard Medicare and private health insurance programs don't cover the majority of long term care expenses - such as assistance with daily activities like dressing and bathing. Understanding these alternative coverage options helps families protect their assets and plan for future care needs without depleting life savings - Disabled World (DW).
Introduction
United Security Assurance Offers LTCi Plans to Individuals with Challenging Health Conditions
No one knows what the future might bring, but taking charge of one's financial future by purchasing long term care insurance is an important step. No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.
An unexpected health condition can strike at any time and completely exhaust a family's life savings. Contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of costs associated with long term care services that most people need - help with personal care such as dressing or using the bathroom independently.
Main Content
Acquiring a long term care insurance plan is an essential step for individuals desiring to protect their assets and get the care they may need. But for many Americans with extended health conditions, access to long term care insurance coverage can be challenging. For these individuals, United Security Assurance offers LifeStyle Solutions (SM) (LSS) and LifeStyle Solutions Select (SM) (LSS Select), tax-qualified, pool of money plans in the states of Florida, Illinois, Missouri, North Dakota, Ohio, Pennsylvania, South Dakota, Texas, and Washington.
These innovative products expand our underwriting guidelines and offer individuals who have previously been or who would otherwise be turned down for long term care insurance the opportunity to obtain coverage. This is good news for people with more severe health problems than average, such as cystic fibrosis, diabetes, cancer, Parkinson's, Multiple Sclerosis or osteoporosis.
"Coverage for long term care costs is the last large unfunded liability for many Americans," said Bill Neugroschel, CEO of United Security.
"Many of us have coverage for our lives, our medical needs, our houses and our cars, but we often don't think about how we will cover the cost of long term care. This is a major gap in our financial planning which long term care insurance like LifeStyle Solutions can address," he said.
In addition to being tax-qualified long term care insurance plans, LSS and LSS Select also offer a network of integrated Wellness, HomeWorks and Care Planning Service Programs. These services are aimed to help individuals diagnosed with extended health conditions live for decades, and with good long term care they could stand a better chance of staying independent and enjoying those years.
About United Security Assurance Company of Pennsylvania
United Security Assurance Company of Pennsylvania, a privately held company, is dedicated to providing quality health products at fair and reasonable rates, and committed to the fair treatment of its agents and policyholders.
The company currently offers products in 19 states, and has expertise in the individual insurance market, especially long term care, home health care, hospital indemnity, and senior life products.
Insights, Analysis, and Developments
Editorial Note: The financial reality of long term care remains one of the most overlooked aspects of retirement planning, yet it represents a significant risk for millions of Americans. While this piece focuses on one company's offerings, the broader message holds true: individuals with pre-existing conditions face unique challenges in securing affordable coverage, making it essential to research specialized underwriting options early. As medical advances allow people with chronic conditions to live longer, fuller lives, the question isn't whether long term care will be needed, but rather how it will be funded. Families who address this gap proactively - before a health crisis occurs - position themselves to maintain independence and dignity while preserving the financial legacy they've worked to build - Disabled World (DW).Attribution/Source(s): This quality-reviewed publication was selected for publishing by the editors of Disabled World (DW) due to its relevance to the disability community. Originally authored by United Security Assurance Company of Pennsylvania and published on 2011/07/20, this content may have been edited for style, clarity, or brevity.