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

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