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SPECIAL CHILDREN

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SPECIAL CHILDREN UNDERWRITING UNDERWRITING Is based on the Insured s Mental Status Physical Health Social Skills - ADLs Vocational Skills - ability for Self ... – PowerPoint PPT presentation

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Title: SPECIAL CHILDREN


1
SPECIAL CHILDREN
  • UNDERWRITING

2
UNDERWRITING
  • Is based on the Insureds
  • 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
DOWNS 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
  • lt 7 yrs PP Dec PP
  • gt 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
  • lt 18 yrs PP
  • gt 18 yrs Assess

11
ADHD
  • A neurobiological disorder that
  • interferes with a persons
  • 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 lt 1 yr PP 1
  • Dx gt 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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