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HEALTH CHALLENGED MEDICAL CONDITIONS

Uninsurability is a potential issue when planning for retirement. The most common causes of uninsurability are pre-existing medical conditions, age, lifestyle, and occupation. Pre-existing conditions such as cancer, heart disease, and diabetes can lead to higher rates or even denial of coverage.

 

Age can also play a factor, as many insurance companies will not insure people over a certain age. Lifestyle choices such as smoking or high-risk activities such as sky diving can also lead to uninsurability. Finally, certain occupations may be deemed too high risk for an insurance company to insure, such as pilots or fire fighters.

  • Acoustic Neuroma (unoperated)

  • Acromegaly​

  • ADL Deficit

  • AIDS/ARC

  • Adult Day Care within 6 months

  • Agoraphobia

  • Alcohol 4 or more drinks daily

  • Alcoholism with any current alcohol use

  • ALS

  • Alzheimer’s Disease

  • Amputation due to disease, other than cancer

  • Amputation 2 or more limbs

  • Amyloidosis

  • Ankylosing Spondylitis

  • Anorexia

  • Aplastic Anemia

  • Arnold-Chiari Malformation

  • Arrhythmia (uncontrolled)

  • Arteriovenous Malformation (AVM)

  • (unoperated)

  • ​​Arthritic requiring narcotic pain medication

  • Asperger’s Syndrome

  • Assisted Living Facility (resident within 6 months)

  • Ataxia

  • Avascular Necrosis (unoperated)

  • Back Pain (disabling or requiring narcotic pain medication)

  • Bell’s Palsy (present)

  • Benig Positional Vertigo (BPV)

  • (with falls)

  • Bipolar (diagnosed within 3 years, psychiatric hospitalization within 2 years, 2 or more psychiatric hospitalizations)

  • Blindness (not adapted or with ADL/IADL limitations)

  • Bowel Incontinence

  • Buerger’s Disease

  • Bulimia

  • Bullous Pemphigoid (active)

  • Cardiomyopathy (dilated)

  • Castleman’s

  • Cerebral Aneurysm (unoperated)

  • Cerebral Palsy

  • Cerebrovascular Accident (CVA)

  • (2 or more)

  • Charcot Marie Tooth

  • Chronic Pain (requiring narcotics, TENS unit, implantable stimulator, ADL/IADL deficit)

  • Cirrhosis

  • Complex Regional Pain Syndrome

  • Confusion

  • Connective Tissue Disease

  • Cor Pulmonale

  • CREST Syndrome

  • Crohn’s (multiple flares or with complications)

  • Cushing’s Syndrome

  • Cystic Fibrosis

  • Defibrillator (implanted)

  • Dementia

  • Dermatomyositis

  • Diabetic Complications (neuropathy, nephropathy, retinopathy, gastropathy)

  • Dialysis

  • Dilated Cardiomyopathy

  • Disabled, except VA disability

  • Down’s Syndrome

  • Dwarfism

  • Dystonia

  • Ehlers-Danlos

  • Epilepsy (>2 seizures/year)

  • Epstein-Barr Virus (within 2 years)

  • Fibromuscular Dysplasia

  • Fibromyalgia (disabling)

  • Frailty

  • Friedrich’s Ataxia

  • ​Gaucher’s

  • Glomerulonephritis

  • Head Injury (residual functional or cognitive impairment)

  • Heart Transplant

  • Hemiplegia

  • Hemophilia

  • Hepatitis (chronic, active, alcohol related, residual liver damage)

  • HIV Positive

  • Hoarding

  • Home Health Care (within 6 months)

  • Huntington’s Chorea Hydrocephalus

  • IADL Deficit

  • Immune Deficiency

  • Implantable Stimulator

  • Irritable Bowel Syndrome (uncontrolled or with weight loss)

  • Kidney Failure

  • Kidney Transplant

  • Lacunar Infarct (2 or more)

  • Liver Transplant

  • Lou Gehrig’s Disease

  • Lupus (systemic)

  • Marfan’s Syndrome

  • Medicaid Recipient Memory Loss

  • Mental Retardation

  • Mixed Connective Tissue Disease

  • Multiple Myeloma

  • ​​Multiple Sclerosis

  • Muscular Dystrophy

  • Myelodysplasia

  • Myelodysplastic Syndrome

  • Myelofibrosis

  • Myasthenia Gravis (generalized)

  • Neurofibromatosis

  • Neurogenic Bowel or Bladder

  • Neuropathy (related to diabetes or alcohol, or with history of falls or skin ulcers), or severe

  • Nursing Home resident (within 6 months)

  • Occupational Therapy

  • (within 3 months*) *contact Underwriting to prequalify if within 3 months

  • Organ Transplant

  • Organic Brain Syndrome

  • Osteoporosis (T score -4.0 or worse)

  • Oxygen use

  • Pancreas Transplant

  • Pancreatitis (alcohol related, or >2 episodes)

  • Paralysis

  • Paraplegia

  • Parkinson’s Disease Pemphigus Vulgaris Physical Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months

  • Pick’s Disease

  • ​Polycystic Kidney Disease

  • Polymyositis

  • Polyneuropathy

  • Post Herpetic Neuralgia

  • Post Polio Syndrome (with progressive weakness, fatigue, or limitations)

  • Pregnancy (Is pregnant or receiving medical treatment to become pregnant)

  • Primary Biliary Cirrhosis

  • Pseudotumor Cerebri

  • Psychiatric Hospitalization (within 3 years, or 2 or more)

  • Psychosis

  • Pulmonary Hypertension

  • Quad Cane use Quadriplegia

  • Reflex Sympathetic Dystrophy

  • Retinal Vein Occlusion (2 or more)

  • Schizophrenia

  • Scleroderma

  • Sclerosing Cholangitis

  • Shingles (within 6 months)

  • Sjogren’s Syndrome (systemic)

  • Social Withdrawal

  • Speech Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months

  • Spina Bifida

  • Stroke (2 or more)

  • Surgery (requiring general anesthesia scheduled or planned)

  • Systemic Lupus

  • Thalassemia Major

  • Transient Ischemic Attack (TIA) (2 or more)

  • Tuberculosis

  • Underweight

  • ​Ventriculoperitoneal shunt Von Willebrand’s Disease

  • Walker use

  • Wegener’s Granulomatosis

  • Weight loss (unintentional or unexplained)

  • Wheelchair use​

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