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Deafness (Hearing Impairment) | ||||
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Many states have specific laws regarding the underwriting of this condition. Please contact the Home Office Underwriting Department. In most cases, if no underlying disease is present, this is normally standard. |
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If an underlying disease |
RFC | ||
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Diabetes Mellitus – This is a variable condition and any possible offers assume excellent control and no other impairment. | ||||
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Age at diagnosis: |
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Under age 10 |
Decline | |
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Age 10-19 |
T10-Decline | |
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Age 20-34 |
T6 | |
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Age 35-39 |
T4-T6 | |
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Age 40-49 |
T2-T4 | |
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Age 50 & up |
0-T2 | |
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Diabetes Insipidus | ||||
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Within 2 years, cause known, fully evaluated, good control |
T3-T4 | ||
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Over 2 years, sane parameters as above |
T2-T3 | ||
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Cause unknown |
T4-Decline | ||
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Dilation and Curettage (D&C) | ||||
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All cases |
RFC | ||
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Diverticulitis, Diverticulosis | ||||
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Diverticulitis |
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Mild, Present |
Us 0 | |
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Severe, frequent, complicated |
IC | |
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Diverticulosis |
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Mild |
Us 0 | |
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Moderate to severe |
T2-T4 and up | |
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Cause known, no occupational or avocational risk |
RFC | ||
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Cause unknown, no occupational or avocational risk |
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Single episode, complete recovery and evaluation |
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To age 40 |
Us 0 |
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Over age 40, single episode |
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0-6 mo |
PP |
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Over 6 mo |
0-T2 |
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Over age 40, single episode |
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2 or 3 episodes |
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To age 40, time since last episode |
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0-3 yr |
Decline |
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3-5 yr |
0-T3 |
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Over 5 yr |
0-T2 |
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Over 3 episodes |
Trial IC | |
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Others |
Trial IC | ||
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Down Syndrome | ||||
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All cases |
Decline | ||
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Drug Abuse, Chemical Abuse – See Substance Abuse | ||||
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Duodenal Ulcer – See Ulcer | ||||
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Acute, single attack |
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0-6 mo |
Us 0 |
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Over 6 mo |
0 |
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Chronic and/or recurrent |
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Good therapeutic response, time since last attack |
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0-1 yr |
IC |
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Over 1 yr |
Us 0 |
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Poor therapeutic response |
Decline | |