Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Rheumatoid Arthritis
This is an auto-immune disease that can affect not only the joints but also skin, eyes, lung, heart, blood or nerves. This disease can affect everyone differently.
Likely Underwriting Decision
Best Case: Mild disease, under regular care of a physician, no other medical conditions and diagnosis 2+ years, well controlled on non-steroidal medications or immunosupressants: Preferred possible
Typical Case: 150 to 250% depending on whether moderate or severe, medications, duration and age
Worst Case: Client has limited mobility and/or has other significant medical conditions: decline
Factors Affecting the Decision
- Severity of symptoms
- What medications are being taken
- Any limitations of daily activities
- No other significant medical condition(s)
Fast Track the App
Requirements:
APS
Fast Track:
Laboratory results