ANA Discussion Forum
General Category => Insurance => Topic started by: ajg047 on August 20, 2013, 01:53:51 pm
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I recently applied for Long Term Care insurance through Unum Life insurance Company. My request for insurance was declined "based on a history of acoustic neuroma..."
(Note - My 9mm AN was treated successfully via CyberKnife 18 months ago.) Has anyone else had an issue obtaining LTC insurance ?
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You're just going to have to try other insurance companies.
Here are some underwriting guides for LTC insurance that address acoustic neuromas.
Page 7 at:
http://www.nyltcb.com/brokers/pdfs/Mass_Mutual_Underwriting_Guide.pdf
Page 7 at:
http://www.cpssac.com/docs/PruUWGuide.pdf
Page 2 at:
http://www.longtermcareinsurancebrokerage.com/pdf/MedAmerica_UW_Guide.pdf
There might be more underwriting guides from different companies at:
https://duckduckgo.com/?q=long+term+care+insurance+underwriting
Some companies might take you as is. Some might surcharge.
Keep at it.
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Great information! Thanks for the quick reply :)
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I was also turned down for long term care insurance by Mutual of Omaha (permanently, claim they won't cover at all) and told to apply again in 3 years by Northwest Mutual and one year by Genworth for the possibility of joining a high risk class (read very high cost class). Was told that they are extremely stringent in this area and I will be unlikely to ever qualify without successful surgery or else shrinkage or long term stability (no growth at all) of the tumor. I have to say I did not see this one coming as I am a newly diagnosed patient on the watch and wait list with a very small tumor.
I also would like to hear about the experience of others on this subject.
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p.s. thanks to Arizonajack for the excellent information and easy access formatting on this subject!