Diabetic Neuropathy

[ltcadviser]

Just curious how many of you have any success lately in getting applicant with diabetic neuropathy approved?

Which underwriter do you feel is easier? MedAmerica? Genworth??

Scott? Your thoughts?

 

[Mr_Ed]

Just curious how many of you have any success lately in getting applicant with diabetic neuropathy approved?

Which underwriter do you feel is easier? MedAmerica? Genworth??

Scott? Your thoughts?

whichever company is experiencing a slump in their sales.

 

[Arthur Rudnick]

originally posted by ltcadviser

Just curious how many of you have any success lately in getting applicant with diabetic neuropathy approved?

Which underwriter do you feel is easier? MedAmerica? Genworth??

That's a tough one to call. I've always found Genworth tough to deal with for diabetics, even when they were Type2.

MedAmerica says they will consider but with diabetic neuropathy, there's usually other things going on that will result in a decline.

If on insulin, MedAm is the only game in town (talking the town of NY)

I usually don't apply to 2 carriers at the same time, but in this case, that's what I'd do.

 

[ltcadviser]

whichever company is experiencing a slump in their sales.

Hello Genworth!!!!!!!!!!!!!!!

 

[wc2624]

originally posted by ltcadviser



That's a tough one to call. I've always found Genworth tough to deal with for diabetics, even when they were Type2.

MedAmerica says they will consider but with diabetic neuropathy, there's usually other things going on that will result in a decline.

If on insulin, MedAm is the only game in town (talking the town of NY)

I usually don't apply to 2 carriers at the same time, but in this case, that's what I'd do.

Which MedAm plan writes an insulin user? FlexCare does not. Does the Partnership plan?

MOO writes it under 50 units but not with related neuropathy.

In general the Diabetic Neuropathy is going nowhere.

 

[Arthur Rudnick]

originally posted by wc2624

Which MedAm plan writes an insulin user? FlexCare does not. Does the Partnership plan?

I stand corrected, MedAmerica will not insure an IDD.

But, the original post did not mention insulin.

So, if type 2, (oral meds) acceptable A1C (less than 8.5) & stable blood sugar levels, with minor non-progressive diabetic neuropathy and no complications, MedAmerica says they will consider @ a standard rate.

I'd post odds of 10-1 for a decline.

 

[CALTCAgent]

I always liked the "non-progressive" part of the diabetic nueropathy on the underwriting guides.

I don't like the chances that the APS indicates this.

Wikipedia

The mechanisms of diabetic neuropathy are poorly understood. At present, treatment alleviates pain and can control some associated symptoms, but the process is generally progressive.

 

[wc2624]

I always liked the "non-progressive" part of the diabetic nueropathy on the underwriting guides.

I don't like the chances that the APS indicates this.

Wikipedia

The mechanisms of diabetic neuropathy are poorly understood. At present, treatment alleviates pain and can control some associated symptoms, but the process is generally progressive.

That's probably a decline for any traditional plan.

I think One America's Asset Care and Annuity Care have some less stringent underwriting standards so you may wish to try them but that opens up a completely different debate in terms of product fit.