Crohn's Disease

A chronic inflammatory disease affecting any part of the GI tract. It has an unpredictable course and while complete remission can occur, the disease is generally chronic and relapsing and often requires surgery.

Likely Underwriting Decision

The younger the age at application and the more severe the course of the disease, the higher the ratings. Severe symptoms currently may not be insurable until stabilized for 1 year

Mild disease: Preferred is possible if stable course for 2+ years over age 45

Moderate disease: Standard to 200%, depending on time since last attack and over age 45

Severe disease: 150%-200%, depending on time since last attack and over age 45

Factors Affecting the Decision

  • Current age
  • Severity of the disease
  • Frequency of flare ups
  • Severity of symptoms
  • Medication – ongoing oral steroid therapy
  • Hospitalization
  • Surgery
  • Weight stable or loss
  • Testing and follow-up
  • Complications or concurrent impairments such as rheumatoid arthritis or other inflammatory disease

Fast Track the App

Requirements:
APS

Fast Track:

  • Pathology reports
  • Evidence of regular GI surveillance (colonoscopy)
  • Details of hospitalization and hospital reports
  • Stable weight
  • Active lifestyle