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SPECIAL CHILDREN

SPECIAL CHILDREN. UNDERWRITING. UNDERWRITING. Is based on the Insured’s Mental Status Physical Health Social Skills - ADLs Vocational Skills - ability for Self-support. CEREBRAL PALSY. INSURABLE if: Survives adult life No significant mental defect

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SPECIAL CHILDREN

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  1. SPECIAL CHILDREN UNDERWRITING

  2. UNDERWRITING Is based on the Insured’s • Mental Status • Physical Health • Social Skills- ADLs • Vocational Skills - ability for Self-support

  3. CEREBRAL PALSY INSURABLE if: • Survives adult life • No significant mental defect • Motor disability is, at the most, only moderate • Able to work and live independently

  4. DOWN’S SYNDROME Insurable if: • Insured is 25 yrs and above • Height is 4 feet and above • No S/Sx of Heart Disease • At most, only with Mild Mental Retardation

  5. MENTAL RETARDATION refers to significantly below average intellectual functioning associated with an ability to effectively meet the usual standards of personal independence and social responsibility

  6. MENTAL RETARDATION • Onset occurs before the age of 18 • May also have seizures or other neurologic or psychiatric impairments, or congenital disorders • UW- based on IQ and the likelihood that training, environment, and economic circumstances will result in ultimate self-support

  7. MENTAL RETARDATION I.Q. Mild 70 - 50 Moderate 49 - 35 Severe 34 - 20

  8. MENTAL RETARDATION Age at application: Life TPD ADB < 7 yrs PP Dec PP > 7 yrs Mild Std Dec 1 Mod 2 Dec 1 Sev Dec Dec Dec

  9. AUTISM • Not a mental illness • An interference in the normal development of the brain in areas of Reasoning, Social Interaction, and Communication Skills • Not caused by bad parenting • With no known psychological factors in child development which predispose to Autism

  10. AUTISM • Appraisal is done on a case-to-case basis • At time of application: < 18 yrs PP > 18 yrs Assess

  11. ADHD A neurobiological disorder that interferes with a person’s capacity to: • Regulate activity level (hyperactivity) • Inhibit behavior (impulsivity) • Attention to tasks (inattention) in developmentally appropriate ways

  12. ADHD Mild • Slight or moderately reduced school performance • Social adjustment achieved • With stable job Severe • With episodes of rage/drug misuse • Low IQ • With adjustment problems

  13. ADHD Life TPD ADB Mild B. Std 1-2 0-1 Severe 1.5 Dec Dec +Addiction Dec Dec Dec

  14. DYSLEXIA • Learning Disability showing up as difficulty with language • Trouble with oral and written language • Average or Above Average intelligence

  15. DYSLEXIA Life TPD ADB Dyslexia Std Mild – Dx < 1 yr PP 1 – Dx > 1 yr 1.5 1 Severe Dec 1 With MR Rate as MR With Psych Rate as Psych With Other Dse Rate as Disease

  16. REQUIREMENTS • Physical Health Status • Mental Status • Educational Level • Ability to perform ADLs • Ability to be gainfully employed

  17. REQUIREMENTS Comprehensive Reports from: • Medical Doctor • Developmental Pediatrician • Psychologist • Therapist(s) • Special Education Teacher

  18. ADVICE • Only adults/juveniles needing limited support systems should be considered for limited amounts of life cover, subject to legal competence to consent to insurance on their own lives or the existence of sufficient insurable interest.

  19. ADVICE • Policies should be of limited duration and be of Endowment (Savings) type.

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