Underwriting Tip: Kidney Failure and Dialysis
There are 5 stages of kidney failure. Kidney damage or reduced kidney function that lasts longer than three months is referred to as chronic kidney disease (CKD). If kidney function worsens dialysis may be required.
Dialysis is a process for removing waste and excess water from the blood and is used primarily as an artificial replacement for lost kidney function in people with kidney failure. Dialysis is regarded as a “holding measure” until a kidney transplant can be performed or sometimes as the only supportive measure in those for whom a transplant would be inappropriate.
Sentinel does not accept Dialysis on any products across the board. On our Medicare Supplement application, CKD or CKD Requiring Dialysis is not accepted ever; however Sentinel does offer New Vantage II for CKD and NVIII for CKD With Diabetes.