For a long time, Alzheimer’s could only be definitively diagnosed after a patient’s death based on neuropathological findings in the brain. Positron emission tomography (PET) scanning and spinal fluid technologies can improve on purely clinical diagnosis, but their cost and a lack of any cure means they are hardly used.
This article will explore the past, present, and future of clinical laboratory and biometric testing as they apply to life, disability, and long-term care insurance underwriting.
Most underwriters will come across clients with epilepsy. It has been well documented that people with epilepsy have a higher mortality than the normal population. This is due to a number of factors but, as has been emphasized, a certain proportion of the excess mortality is related to the comorbid conditions that often accompany the disease.
It’s a scenario that may be familiar to you: You and your client have decided to apply for an individual disability insurance (IDI) policy. You have the client’s signature; the application is submitted. You’ve worked with your general agent to ensure the application is ready for underwriting, and you feel good knowing you’ve helped your client realize that income is an asset worth protecting.
Last year, the European Court of Justice (ECJ) ruled in a case brought by a man who claimed he was fired because he was obese. Did the ECJ ruling take obesity to another level by classifying it as a disability and not just a co-morbid or contributing factor in assessing one’s functional status?