Advised Surgery but Not Scheduled

[WMG]

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.

I noticed -- and you're right, I wasn't limiting my response to that (FE). In that arena, that makes sense.

 

[UW Guy]

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.

I was more in general speaking about "scheduled vs. advised" hip replacement on FE shouldn't be anything worse than a postpone (or just find a carrier that doesn't ask). Hip replacement we're playing the percentages and hoping your client doesn't buy it on the table or get a transient blood clot post op. The more concerning ones are the cases were they're advised to get everything from a colonoscopy to a consult with more serious specialists (i.e. Oncology/Hematology, GI, Rheumatology, and Genitourinary) those are the ones that get the red flags up.

 

[WMG]

I was more in general speaking about "scheduled vs. advised" hip replacement on FE shouldn't be anything worse than a postpone (or just find a carrier that doesn't ask). Hip replacement we're playing the percentages and hoping your client doesn't buy it on the table or get a transient blood clot post op. The more concerning ones are the cases were they're advised to get everything from a colonoscopy to a consult with more serious specialists (i.e. Oncology/Hematology, GI, Rheumatology, and Genitourinary) those are the ones that get the red flags up.

Agreed, and that's more what I deal with as I am not in the FE marketplace. Sounds like a postpone would be worse-case scenario.

Underwriting -- at least in my marketplace -- is just one of the crosses we bear everyday, LOL.

 

[VolAgent]

Agreed, and that's more what I deal with as I am not in the FE marketplace. Sounds like a postpone would be worse-case scenario.

Underwriting -- at least in my marketplace -- is just one of the crosses we bear everyday, LOL.

FE carriers don't postpone, they decline. Better to submit to a carrier that doesn't ask or wait until it is done.

 

[rousemark]

FE carriers don't postpone, they decline. Better to submit to a carrier that doesn't ask or wait until it is done.

Right.. and, they are almost certainly going to decline a case where the recommended procedure will require general anesthesia.