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 bones/fracture Kidney disease Memory Loss Liver disease Depression Psychiatric disorders Arthritis Stroke/TIA Neurological disease Seizures damage HIV Diabetes Osteoporosis Unacceptable Medications:
Long Term Care Conditions and what to ask your clients.
COPD/Emphysema
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?
Depression
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?
Hypertension
Osteoporosis
Does client have full range of motion in all limbs?
Arthritis
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?
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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
Long-Term Care Underwriting 
Any ancillary issues such as blindness or amputation due to the condition?
What is the A1C level and how long as it been level?
