Microsoft word - understanding the resource brokerage.doc

Long-Term Care Underwriting
Simple issues to note:

Age – Coverage is often limited at age 80 and above.
Saving age can be done 30 days from date of birth.
Height and Weight – an imbalanced height to weight ratio may be all you
need to take your client out of the “preferred” ball park.
Medical Records are helpful if you can obtain them in a trial situation.
Cognitive Ability – carriers will assess basic common sense through a variety
of questions that may seem redundant or juvenile. It is important for your
clients to be aware that this is a part of the process.
Vendors – Paramedic companies and Phone interviewing entities represent
our reputation but often forget this important face. One wrong turn with a
examiner or an interviewer can set your client running. Resource Brokerage,
LTC has the “liaison of requirement” program that reduces the chance of a
challenge such as this occurring on your business.
Medical Conditions
a. When diagnosed? b. Date of last treatment? Key question c. Current physical therapy? d. At the very least list of medications? e. Surgeries recommended but not yet performed? f. Have they had history with any of the below conditions? If so contact Have you ever been on disability or receive any disability benefits? Have you ever needed at home care or faculty care?
Cancer Heart
Kidney disease
Memory Loss
Liver disease
disorders Arthritis
Neurological disease Seizures
damage HIV

Unacceptable Medications:

Aricept Morphine
Navane Olanzapine
Clozaril Perphenazine
Phenothiazine DDI
Serentil Seroquel
Tacrine Hydergine
Lithium Thiothixene
Mellaril Trilafon

Long Term Care Conditions and what to ask your clients.


Any hospitalizations for the condition with the past 6 months. Daily or intermittent use of oxygen. IPPB therapy or home respiratory with the past 12 months Have you been to the ER within the past 12 months for respiratory symptoms? History of Congestive Heart Failure or Cardiomyopathy? Are activates restricted to shortness of breath?

Is it situational? (i.e. divorce, death, ) Diabetes

If you are taking insulin – how and how much? If not, how are you treating the diabetes? Any ancillary issues such as blindness or amputation due to the condition? What is the A1C level and how long as it been level?


Does client have full range of motion in all limbs?

Does client have full range of motion in all limbs? Active progression of symptoms within the last 24 months?

Stroke or TIA

What if any residuals is client experiencing?
Coronary Artery Disease

History of heart attack/angioplasty/stent/ or any a symptomatic issues?
Fractures/broken bones

Fully recovery with normal range of motions History of other conditions such as arthritis or osteoporosis? History of other conditions such as arthritis or osteoporosis?

Hip, knee replacements

Due to other medical conditions such as arthritis or osteoporosis?


Alternative white paper.indd

Safer Britain, Safer WorldThe decision not to replace Trident The decision on whether or not to replace Britain’s nuclear weapons system must be taken on the basis of what will most contribute to the security of the British people. A decision not to replace Trident will best meet that requirement. It will strengthen the international disarmament and non-proliferation regime

Microsoft word - fnutrients

F, NUTR_DEF 2011.08.29 2011.07.25 FNUTRDEF.PRG #146 NUTR_NO,UNITS,TAGNAME, NUTRDESC, .num_dec , SR_ORDER You may select any of these nutrients for research purposes The values will be as per the USAD REL 24 TABLES 203 , g PROCNT PROTEIN .2 ,600 204 , g FAT TOTAL LIPID (FAT) .2 ,800 205 , g CHOCDF CARBOHYDRATE, BY DIFFERENCE .2 ,1100 207 , g ASH ASH .2 ,1000 208 , kcal ENERC_KCAL ENERGY .0 ,300 20

© 2010-2017 Pharmacy Pills Pdf