COVID-19 and underwriting guidelines

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COVID-19 and underwriting guidelines

We reevaluated and adjusted our underwriting guidelines for applicants who have had a negative COVID-19 test. The current guidelines are:

  • If a test is taken:
    • There will be no waiting period for negative testing scenarios such as work, travel, visiting family or testing in advance of an elective surgery (colonoscopy, etc.).
    • There will be a one month waiting period for a negative test result on an applicant with symptoms or direct exposure to another person who was positive.
    • A positive test is a 6 month waiting period after a full recovery to assess any residuals.

These guidelines are subject to change as we all continue to learn more about COVID-19, its implications and as treatments/vaccines are developed. We strongly encourage you to prequalify each case with as many details as possible. Thank you for working with us and adjusting throughout this process.

Click here for a quick refresher on NGL’s Long Term Care insurance underwriting process.

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