Page 40 - iA Excellence -Field Underwriting Guide - Updated on July 2019
P. 40

List of Automatic Denials for Disability*






                Illness coverage DENIED under these conditions

                Insulin-dependent diabetes
                Heart attack, bypass surgery
                Hard drug use, current or within 5 years
                Treatment for alcohol or drug abuse, within 5 years
                Alcohol AND drug abuse, current or within 10 years
                Treatment for alcohol AND drug abuse, within 10 years

                Loss of driver’s licence for driving under the influence in past year
                Currently disabled
                Rheumatoid arthritis,  severe
                Polyarthritis, severe
                Ankylosing spondylitis, severe
                Osteoporosis, severe
                Paralysis, quadriplegia
                Alzheimer’s
                Fibromyalgia
                Chronic fatigue

                Multiple sclerosis or suspected multiple sclerosis still under investigation
                AIDS or HIV+
                Muscular dystrophy
                Parkinson’s
                Down’s syndrome (trisomy)
                Attempted suicide within past 7 years
                Obesity – ratio height/weight is in the Uninsurable column of the Height and Weight Chart above
                (page 14)
                Huntington’s chorea
                Polycystic kidney disease
















        40     APPENDIX A

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