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Hello,
I had a 69 year old male declined for LTC.
The reason stated on decline letter was "history of kidney disease, multiple knee surgeries and stomach ulcer and office visits in august & november, were most significant in our decision".
Knees: He has had both knees replaced, because old football injuries. The last one just over 3 months ago. Physical therapy done. Walks fine, no assistance devices.
Stomach Ulcer: Cauterized in 2008. No more surgeries scheduled or complications. Takes Protonix.
Kidney Disease: He said he went to Dr. in August and they found abnormal reading on test regarding kidney. He went back in November and they said his kidney was fine. He feels he does not have kidney disease.
Today he told me he got a letter from Dr. saying no kidney disease. I had recommended he get this as I thought that was the "main" reason he was declined.
He tells me he takes:
1. Nortriptyline-help sleep (does this help with sleep?, or is this one possibly for more than that?)
2. Protonix-stomach ulcer
3. Atenolol-HBP
I called the underwriter from the company and they wouldn't tell me much and said it was "too sensitive" in nature. At first I was thinking that a letter saying "no kidney disease" would be enough for re-consideration. The underwriter tells me they will not re-consider even with the letter and its too sensitive to tell me anything.
Sould I:
A. Try with another company as this company might be being "too picky" and just overall not want this case.
b. Get a letter with more details sent to the client, even though that might take more time and not reveal anything?
c. Any other thoughts, ideas?
Thanks!
I had a 69 year old male declined for LTC.
The reason stated on decline letter was "history of kidney disease, multiple knee surgeries and stomach ulcer and office visits in august & november, were most significant in our decision".
Knees: He has had both knees replaced, because old football injuries. The last one just over 3 months ago. Physical therapy done. Walks fine, no assistance devices.
Stomach Ulcer: Cauterized in 2008. No more surgeries scheduled or complications. Takes Protonix.
Kidney Disease: He said he went to Dr. in August and they found abnormal reading on test regarding kidney. He went back in November and they said his kidney was fine. He feels he does not have kidney disease.
Today he told me he got a letter from Dr. saying no kidney disease. I had recommended he get this as I thought that was the "main" reason he was declined.
He tells me he takes:
1. Nortriptyline-help sleep (does this help with sleep?, or is this one possibly for more than that?)
2. Protonix-stomach ulcer
3. Atenolol-HBP
I called the underwriter from the company and they wouldn't tell me much and said it was "too sensitive" in nature. At first I was thinking that a letter saying "no kidney disease" would be enough for re-consideration. The underwriter tells me they will not re-consider even with the letter and its too sensitive to tell me anything.
Sould I:
A. Try with another company as this company might be being "too picky" and just overall not want this case.
b. Get a letter with more details sent to the client, even though that might take more time and not reveal anything?
c. Any other thoughts, ideas?
Thanks!
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