Physical therapy (PT) is the treatment of physical disability, loss of functionality or pain without the use of medication, surgery or radiation. Treatment typically consists of hands-on manual manipulation, exercise and education.
While there are several different types of physical therapy, LTCi underwriting focuses on the following categories:
- Neurologic: This type of therapy assists in the recovery from neurological conditions/events such as stroke, brain injuries and cognitive impairments, allowing for recovery from gait, ambulation and balance issues.
- Occupational: Occupational therapy treatments with work-related injuries. Common issues include carpal tunnel, back injuries, overexertion and falls. In addition to treating the immediate impairment/injury, therapy can also include core support exercises and training.
- Geriatric: Geriatric therapy is conducted to assist with mobility and pain reduction in the elderly community.
- Orthopedic: Orthopedic therapy oftentimes assists with recovery from major surgeries, restoring function in terms of movement and strength.
- Cardiopulmonary: Cardiopulmonary therapy works to improve functionality from a respiratory and cardiac perspective.
In a situations where your client is currently in physical therapy, it is important to understand the underlying reason. In cases where there is no specific concern or need and the therapy is for overall wellness, there may be an opportunity to extend coverage.
Learn more in our Physical Therapy Condition-Related Marketing Flyer.
If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail sales.support@mutualofomaha.com.
Physical Therapy Underwriting Tips
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