Autism and Mental retardation

[Lewis_FL]

I might be doing a workshop for nonprofit who works with mentally retarded folks. What are some good carriers available in MA that would do Autism or Mentally retarded folks provided they don't have any other major health issues. I'm especially looking for carriers who would accept younger folks under age 40.

I see some old threads about Settlers (though that might be iffy due to PHI)
and SNL (not available in MA)
Is Liberty bankers available in MA?

This might not help everyone but Banner and Principal have guaranteed issue child riders on their term products for kids up to age 18. They can convert to perm at age 25.

 

[Todd King]

I'm a bit confused now, I originally went onto their website and looked under state availability. I did not see Massachusetts at all. Yet they have an application and other documents under their forms section for that state?

So it does appear you can write a policy for LBL?

Just did a quick search of the Dept of Insurance Website in Mass. They are listed as able to do business there.

Nope, LBL is not available in MA.

 

[TampaHound]

Nope, LBL is not available in MA.

They really need to update their website and other information. I ended up calling LBL directly and Mr. King is right.

Sorry for the confusion but I rather be right than not.

 

[Matthew King]

I might be doing a workshop for nonprofit who works with mentally retarded folks. What are some good carriers available in MA that would do Autism or Mentally retarded folks provided they don't have any other major health issues. I'm especially looking for carriers who would accept younger folks under age 40.

I see some old threads about Settlers (though that might be iffy due to PHI)
and SNL (not available in MA)
Is Liberty bankers available in MA?

A little clarification, For Autism, If they are under 40, and they don't have a power of attorney. If they can complete a PHI and do their ADLs, they should be able to get silver, maybe gold depending on some answers.

If they are over 40, and they can't do a PHI, then they can do Bronze.

For Mental Retardation - If they are over 25, they have to have a power of attorney that can do the PHI with them, should be able to get silver.

 

[Caryn Montague]

You may want to check w/ the not for profit to see what portion of their "developmentally or intellectually disabled" folks are covered by Medicare and/or Medicaid.

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