LTC Underwriting Guide Update

First announced in our April 2019 Underwriting Operation teleconference, the LTC field underwriting guide has been updated to include the newest guideline improvement: TENS units are now accepted.

What are TENS units?
TENS units, or transcutaneous electrical nerve stimulation units, are battery-operated devices used to treat pain. They work by delivering small electrical impulses through electrodes that have adhesive pads attached to a person’s skin and are an excellent noninvasive method for relieving pain.

Clients with TENS units currently in use will be rated based on specific health condition.

Review the changes on page 53 here, access the guide on SPA or order the updated guide via normal ordering channels.

LTC Underwriting Guide Update