Private Long Term DI with Acoustic Neuroma (Vestibular Schwannoma).

[adjusterjack]

Female, age 55, massage therapist, diagnosed in May with a right side 7mm x 4mm acoustic neuroma.

Acoustic neuroma - Symptoms and causes

She's applying for long term disability insurance (I know, adverse selection).

What is an underwriter likely to do?

 

[adjusterjack]

Anybody?

 

[Tahoe Ray]

Female, age 55, massage therapist, diagnosed in May with a right side 7mm x 4mm acoustic neuroma.

Acoustic neuroma - Symptoms and causes

She's applying for long term disability insurance (I know, adverse selection).

What is an underwriter likely to do?

Is she having it removed?

Anything that can lead to hearing loss is likely a decline.

She could try Lloyd's through Risk or Assurity graded but if were her agent, I would certainly quick quote this everywhere before submitting an app.

 

[adjusterjack]

Is she having it removed?

The alternatives are surgical removal or radiation. Too early to tell yet.

Anything that can lead to hearing loss is likely a decline.

Hearing loss would only occur in the ear on the side where the AN is. The other ear would continue normally.

She could try Lloyd's through Risk or Assurity graded but if were her agent, I would certainly quick quote this everywhere before submitting an app.

I'll relay that.

Thx.

 

[goillini52]

Is she having it removed?

Anything that can lead to hearing loss is likely a decline.

She could try Lloyd's through Risk or Assurity graded but if were her agent, I would certainly quick quote this everywhere before submitting an app.

It also says it can cause you to lose your balance. An accident waiting to happen?

 

[adjusterjack]

It also says it can cause you to lose your balance. An accident waiting to happen?

Possibly. Many AN victims find that the body compensates for the loss of one part of the balance equation. Vestibular therapy helps.

 

[Tahoe Ray]

Hearing loss would only occur in the ear on the side where the AN is. The other ear would continue normally.

Even tinnitus can be an issue, FYI. Anything that is an "unknown" with DI will first be excluded but something like this could easily be a decline.

 

[Tahoe Ray]

Possibly. Many AN victims find that the body compensates for the loss of one part of the balance equation. Vestibular therapy helps.

As you know, carriers hate dealing with "many people" in terms of recovery for anything.

They like "almost all" or "99.9%"...

 

[adjusterjack]

I know. It's those darn actuaries.

 

[DI Guy]

Checking with one of my carriers, but I have strong suspicion how they will respond.

I'll update in the morning, but they would likely want to postpone until after treatment and then wait until she is back at work (if she loses work).

DI carriers are not fond of prospects that have pending cancer treatment.