When one spouse qualifies for LTCi and the other doesn't

Many couples face challenges when only one spouse qualifies for long-term-care insurance (LTCi), leaving the other spouse's care costs uncovered. LTCi is medically underwritten, and common denial reasons include cognitive issues, diabetes complications, strokes, neurological disorders, and mobility limitations. Alternatives for denied spouses include short-term care insurance with limited benefits and annuity/LTC plans that may offer increased benefits and accept higher-risk applicants.