Advised Surgery but Not Scheduled

[case1]

I have a client that was advised to have a hip replacement sometime this summer. Is this considered a pending procedure or does it need to be actually scheduled?

 

[goillini52]

I have a client that was advised to have a hip replacement sometime this summer. Is this considered a pending procedure or does it need to be actually scheduled?

It's been advised...doesn't matter if it's been scheduled or not.

 

[yogooglethis]

I have a client that was advised to have a hip replacement sometime this summer. Is this considered a pending procedure or does it need to be actually scheduled?

What he said.Also need to watch out for test , labs etc. that have been advised but not completed or no results yet.Once I had to call the GI's office to schedule an appointment for a colonoscopy for a prospect because she told me her primary doctor had given her a referral a month ago but that she never followed up on.It was a little awkward calling her back to see if she had received her results yet so i could take the application

 

[Rearden]

United Heritage does not ask about upcoming procedures or surgeries on th application.

 

[WMG]

I have a client that was advised to have a hip replacement sometime this summer. Is this considered a pending procedure or does it need to be actually scheduled?

It's been advised...and as such, it is probably part of the medical records and on the respective APS. You can explain that it has not been scheduled. You may also need to get further commentary from the doctor and the applicant/client. You don't know how an underwriter will react or what they may want, say, etc. -- but it is an underwriting issue and will need to get addressed.

 

[UW Guy]

It's been advised...and as such, it is probably part of the medical records and on the respective APS. You can explain that it has not been scheduled. You may also need to get further commentary from the doctor and the applicant/client. You don't know how an underwriter will react or what they may want, say, etc. -- but it is an underwriting issue and will need to get addressed.

Scheduled makes me feel somewhat better than advised. At least if it's scheduled they have it on the calendar and you can attempt to make an assessment based on the procedure and time until completion.

Advised not so much... I've seen plenty of people who are advised to have something done (meds, exams, procedures) but it doesn't always tell the story about compliance.

 

[WMG]

Scheduled makes me feel somewhat better than advised. At least if it's scheduled they have it on the calendar and you can attempt to make an assessment based on the procedure and time until completion.

Advised not so much... I've seen plenty of people who are advised to have something done (meds, exams, procedures) but it doesn't always tell the story about compliance.

Agreed...but it is what it is...even though it's not scheduled, deal with it head on. Tell the underwriter that it hasn't been scheduled due to ______________ -- and there could be a lot there -- scheduling, travel, family, and so forth. In addition, while hip replacement can be due to many reasons, to what degree, etc. -- this may not be a major concern to an underwriter from a mortality point of view. Waiver of premium, sure, absolutely, but you might already be past that age and not applying for waiver.

Good luck.

 

[jacobtn]

Agreed...but it is what it is...even though it's not scheduled, deal with it head on. Tell the underwriter that it hasn't been scheduled due to ______________ -- and there could be a lot there -- scheduling, travel, family, and so forth. In addition, while hip replacement can be due to many reasons, to what degree, etc. -- this may not be a major concern to an underwriter from a mortality point of view. Waiver of premium, sure, absolutely, but you might already be past that age and not applying for waiver.

Good luck.

or use a carrier that doesn't ask or care. much easier than trying to fit a square peg in a round hole.

 

[WMG]

or use a carrier that doesn't ask or care. much easier than trying to fit a square peg in a round hole.

I don't know that "a carrier" that doesn't ask, has the right product. My approach is pick the right, suitable, best product first -- then deal with underwriting. For me, allowing underwriting to dictate the product is the square peg in a round hole. I don't want the tail to wag the dog. To each their own as far as approach.

 

[goillini52]

I don't know that "a carrier" that doesn't ask, has the right product. My approach is pick the right, suitable, best product first -- then deal with underwriting. For me, allowing underwriting to dictate the product is the square peg in a round hole. I don't want the tail to wag the dog. To each their own as far as approach.

I'm not sure if you noticed, but this is a FE question. Much of the time you have to allow the UW to dictate who you place them with.