MutualCare Solutions
We take a big picture approach to LTCi underwriting by evaluating applicants based on a variety of criteria:
- Health History
- Cognitive Status
- Daily Activities
- Ability to Perform ADLs & IADLs
Underwriting Guidelines
Issue Ages
30-79
30-75
Rate Classes
Preferred (15% savings)
Select (100%)
Class I (125%)
Class II (150%)
Underwriting Requirements
Medical Information Bureau (MIB)
All applicants
Pharmaceutical Check
All applicants
Medical Records
All applicants
Personal Health Interview
Telephone: ages 30-64
Face-to-face: ages 30-79 (younger ages at underwriting discretion)
Face-to-face: ages 30-75 (younger ages at underwriting discretion)
Cognitive Assessment
Ages 30-79 Cognitive Assessment (younger ages if history of CVA, TIA, memory loss, depression, or if application was mailed)
Ages 30-75 Cognitive Assessment (younger ages if history of CVA, TIA, memory loss, depression, or if application was mailed)
