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Electrocardiogram – Provides findings suggesting the presence of myocardial ischemia or other metabolic myocardial problems. Electrocardiographic evidence of acute or prior myocardial infarction may be present when these events have occurred. It demonstrates the presence of abnormal cardiac rhythms (arrhythmias) and, very frequently, their mechanisms. It reveals abnormalities of the cardiac conduction system. Each abnormality must be evaluated with full records by our Medical Director and/or our Reinsurers. | ||||
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Embolism, Pulmonary – An embolism, usually a blood clot, most frequently arising in the lower extremities or pelvis, which travels to the lung via the venous circulation, resulting in varying degrees of pulmonary vascular obstruction. | ||||
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Single attack |
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0-6 mo |
PP | |
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Over 6 mo |
0 | |
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Multiple attacks |
IC | ||
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Emphysema (COPD) – See Chronic Bronchitis | ||||
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Present |
Decline | ||
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In history |
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Single episode, complete recovery, no remaining impairment |
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Time since resolution of encephalitis |
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0-6 mo |
PP |
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6 mo-1 yr |
Us 0 |
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Over 1 yr |
0 |
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Other, including recurrent or with remaining impairments |
Rate for Impairment, Us Decline | |
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Endometriosis | ||||
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Present |
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Minimal symptoms, non-disabling |
0 | |
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Severe or recurring |
0-T3 | |
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In history |
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Operated or post-menopausal not requiring treatment |
0 | |
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Cause known |
RFC + ratings below + “history of” | ||
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Cause unknown, first seizure before age 40, thoroughly investigated, good compliance with treatment |
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Partial seizure disorder |
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0-2 yr from initiation of treatment |
Decline |
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Over 2 yr from initiation of treatment |
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Well controlled |
T1-0 |
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Moderately well controlled |
T1-Decline |
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Poorly controlled |
Decline |
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Absence seizures (petit mal) |
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0-2 yr from initiation of treatment |
T2-T3 |
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Over 2 yr from initiation of treatment, well controlled |
Us 0 |
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Generalized seizures (grand mal), best cases |
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0-1 yr from initiation of treatment and last attack over 2 yr |
PP |
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Over 1 yr from initiation of treatment |
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Well controlled |
T2-T6 |
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Moderately well controlled, more frequent seizures, last over 2 yr |
T3-T8 |
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Poorly controlled |
Decline |
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History of |
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First seizure after age 40 |
IC | |
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Surgical treatment for seizure control |
IC | |
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Status epilepticus |
Decline | |
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Poor therapeutic compliance |
Decline | |
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Alcohol use |
Decline | |
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Esophageal Disorders | ||||
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Atresia |
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No functional or postoperative impairments |
0 | |
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Others |
IC | |
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Esophagitis |
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Cause known |
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Asymptomatic or symptoms controlled |
US 0 |
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Moderately symptomatic (or worse, fully evaluated) |
T2-T4 |
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Severe symptoms |
Decline |
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Cause unknown |
IC | |
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Gastroesophageal Reflux Disease (GERD) |
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Mild symptoms |
Us 0 | |
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Moderate to severe symptoms |
Us 0-T4 | |
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Barrett’s Esophagus |
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No dysplasia on biopsy, very small segment (less than 3 cm), no symptoms |
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Within 1 yr |
T2 |
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Over 1 yr |
Us 0 |
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No dysplasia, over 3 cm and biopsied 2 or more times |
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Within 2 yr |
T3-T4 |
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Over 2 yr |
0-T2 |
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Dysplasia on biopsy |
Decline | |
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Dysplasia resolved |
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Within 2 yr |
T3-T4 |
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Over 2 yr |
T2-T3 |
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Cancer found |
IC | |
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Stricture |
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Present |
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Mild, not requiring treatment |
0 |
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Therapeutic, dilatation required |
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4-5 per yr |
T2-T4 |
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Severe |
Decline |
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Surgical treatment, complete postoperative recovery |
Us 0 | |
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Varices of Esophagus |
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All cases |
Decline | |