UHL - Wheelchair

[TPAAgent]

i was unaware anyone wrote UHL...

Good contracts on their graded and guaranteed

Client end up having Dialysis... Eh, whattya gonna do

End up putting him on UHL's GIWL... and made some money

 

[jdeasy]

Good contracts on their graded and guaranteed

Client end up having Dialysis... Eh, whattya gonna do

End up putting him on UHL's GIWL... and made some money

What you gonna do? Send them to MoO or Vantis. Problem solved.

 

[kwamster]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

I had a prospect in the exact same situation a few months back and I called UHL's underwriting department and asked them that exact same question.

As I expected, they said that he would have to answer that question as Yes, if he needed assistance to dress, bathe or feed himself.
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You're over thinking this. It is Simplified Issue. They didn't ask if he is in a wheelchair or if he has a roll in shower. They asked if he can do all his ADLs himself. It sounds like he can so he should answer no.

In theory, someone in a wheelchair could qualify for Premier. After all, there are plenty of jobs that someone can do while in a wheelchair. Attorney, CPA and insurance agent are some that readily come to mind.

If a person has loss both of their legs, they probably won't be able to bathe or dress themselves without assistance, so you more than likely will have to answer that question as YES.

 

[rousemark]

I had a prospect in the exact same situation a few months back and I called UHL's underwriting department and asked them that exact same question.

As I expected, they said that he would have to answer that question as Yes, if he needed assistance to dress, bathe or feed himself.
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If a person has loss both of their legs, they probably won't be able to bathe or dress themselves without assistance, so you more than likely will have to answer that question as YES.

There is no reason a double amputee (legs) could not dress and bathe themselves.. Especially if they have a wheelchair accessible shower. If the prospect can "he cooks, can eat, take his medications; can put on his shirt and has a shower that he can roll his wheelchair into-" he does not require assistance with any of the items they ask about so the answer would properly be "no".

 

[Josh]

There is no reason a double amputee (legs) could not dress and bathe themselves.. Especially if they have a wheelchair accessible shower. If the prospect can "he cooks, can eat, take his medications; can put on his shirt and has a shower that he can roll his wheelchair into-" he does not require assistance with any of the items they ask about so the answer would properly be "no".

There you go reading the questions and not overcomplicating things.

 

[kwamster]

There is no reason a double amputee (legs) could not dress and bathe themselves.. Especially if they have a wheelchair accessible shower. If the prospect can "he cooks, can eat, take his medications; can put on his shirt and has a shower that he can roll his wheelchair into-" he does not require assistance with any of the items they ask about so the answer would properly be "no".

I agree that sometimes that can be the case (if they have prosthetic etc.), in the situation that I encountered, however, it was not and I suspect, although I could be wrong, that in most cases they will need some form of assistance.

 

[Tearmann]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

On the Michigan app the first question asks whether the insured uses a wheelchair or a walker. You have to answer yes...that makes him a GI with UHL.

 

[FEX Quotes]

A little late to this party, but based on your description of this gentleman's situation, I would have absolutely answered this question NO.

The question is worded in plain English with the decisive word being require. The intent of this question is to ascertain independence - end of story.

5) Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

No need to over-think the question based on his diabetic history. What if he were a double amputee as the result of an auto accident, living alone and in good health nothwithstanding the loss of limbs?

 

[VolAgent]

I agree that sometimes that can be the case (if they have prosthetic etc.), in the situation that I encountered, however, it was not and I suspect, although I could be wrong, that in most cases they will need some form of assistance.

Stop over-thinking it and start answering the questions as asked. I can't tell you how many people in wheelchairs are completely capable of all their ADLs. Some even cook for themselves and drive.

Also, the question asks feed, not cook. I even asked an underwriter this. The answer was, if you set a plate of food in front of the person, can they eat without assistance? If the answer to that is yes, then the person doesn't need assistance, if the answer is no then the person needs assistance.