Can a 64 year old with health conditions qualify for long term care insurance?

Maybe you can get it, but it will be very expensive. Mine is $2000 a year, and I had no health problems. LTC insurance is really only for the mid to upper middle class. The poorer folk spend down and go on Medicaid. The richer ones can "self-insure." Speak to an elder law attorney to help you figure out how to preserve assets and qualify for Medicaid when the time comes.

Good luck!

I agree with the response above. Insurance companies are very, very strict to LTC policies. My mother doesn't qualify because of schizophrenia. The insurance companies dig deep into medical history/records/notes from all doctors and look into the pharmaceutical records. Years ago, when I looked into LTC for my mother, I contacted Mass Mutual and I was told they look at records five years prior to application. I also contacted a few others and it was same. Maybe the review time period has changed since then.

There are companies that are strict when it comes to health conditions. They don’t give coverage to people with these conditions:

AIDs or HIV infection
Alzheimer's Disease
Amyotrophic Lateral Sclerosis (ALS)
Cystic Fibrosis
Dementia
Hemophilia (other than Von Willebrand disease)
Active Hepatitis C, Non-A, Non-B, or Autoimmune
Kidney Failure
Liver Cirrhosis
Memory Loss
Mid - Advanced Multiple Sclerosis
Muscular Dystrophy
Paralysis
Parkinson's Disease
Post-Polio Syndrome
Schizophrenia
Sickle Cell Anemia
Systemic Lupus Erythematosus

You can get more details from long term care insurancecompanies

You may still be eligible to purchase long term insurance with a history of: heart attack, arthritis, high blood pressure, high cholesterol, cancer, being over age 70, etc.

Different insurance companies have different underwriting criteria.