Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Mild Cognitive Impairment (Benign)
A chronic progressive disorder characterized by losses of cognition, personality, and behavior that are severe enough to interfere with the quality of daily life.
Likely Underwriting Decision
Rating will depend on type of cognitive impairment: No consideration for onset prior to age 70. Postpone for a minimum of 2-3 years. After 3 years and confirmation of final diagnosis, possible to consider with a substandard rating if mild and completely stable with no progression of symptoms
Alzheimer's: Refer to the Alzheimer's section
Vascular Dementia, Pick's Disease, Lewy Body Dementia and Creutzfeldt-Jakob Disease: Decline
Factors Affecting the Decision
- Type of cognitive impairment
- Age of applicant
- Age at onset
- Severity
- Type of treatment
- Cause, if known
- History of accident, falls, hallucinations, etc.
- Confinement in a nursing home
Fast Track the App
Requirements:
APS, Cognitive and Mobility Assessment (such as Nation's CareLink assessment) may be requested
Fast Track:
- Clearly outline the positive aspects of your client's independent and active lifestyle
- Any neuropsychiatric testing (such as cognitive or memory testing)
- Activity levels
- ADLs affected
- IADLs affected