Long-Term Care can be a tough subject.
Often times, you have to do a little detective work to ensure your cases are processed through Underwriting quickly.
Here are six things you can do to help uncover important information the underwriter needs to issue your case.
Knowing if a specialist is treating your client gives the underwriter clues about their health condition.
A recent diagnosis (within six months to one year) may not be enough time to assess the client’s stability.
If it’s been over two years since your client’s last physical exam and lab work, they won’t qualify for preferred underwriting. Also, pay attention to recent doctor’s visits. Ask your client if they have a follow-up visit planned. Knowing an applicant is undergoing treatment allows the underwriter to order an attending physician’s statement immediately, instead of waiting until the client mentions it during the personal health interview.
Many people refer to a medication in terms of the symptoms it addresses. For example:
If you have a client who is young, but not working, ask why. Do they have chronic health conditions that prevent them from working? Are they collecting disability benefits? The underwriter needs to know.
Please contact your LTC Specialist for more information.