Effective March 1, 2021, the other than applied processes listed below have been updated.
- Declined Spouse: When both spouses apply and one is declined, underwriting will issue the approved spouse with a reduction in partner allowance percentage and remove Shared Care, if applicable. No hold will occur.
- Rate Class or Benefit Selection with Shared Care: When one or both spouses are approved other than applied due to rate class or benefit selection, a communication is sent to the application designated contact notifying them of the required changes. We will hold issue for 7 days.
- Underwriting Evidence: When an application is approved other than applied due to underwriting evidence, a communication is sent to the application designated contact notifying them of the required changes. We will hold issue for 7 days.
Encourage your clients to be as open and honest as possible during the application process, as undisclosed conditions can affect insurability. Here are some additional best practices to be proactive in eliminating other than applied situations.
- Case Monitoring will reflect any updates to benefits applied for, giving producers an opportunity to have a conversation with their client prior to issue.
- Please review Class 1 and Class 2 benefit limits.
- Consult the Underwriting Guide for benefit limits due to family history and medical conditions.
- Consult the build chart in Underwriting Guide to help with class selection.
When in doubt any time while writing an application or prescreening, give underwriting a call at 1-800-551-2059 or email ltcunderwriting@mutualofomaha.com.
Updated Other Than Applied Process
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