Agent Guide | Short Term Care
ManhattanLife
Underwriting Continued Can agents submit a pre-determination request for the Short-Term Care product? Yes. If you are curious about whether your client will qualify for a Short-Term Care policy, simply send the below details to stcunderwriting@manhattanlife.com and let us guide you! • Name (Nice to have, but not required) • Age • Health History, Diagnosis Dates • Prescription history • Date of your last physical examination Please provide details on any other information we may need. Information such as date of onset/diagnosis, severity, treatment details, and any limitations caused is very helpful. Health Questions • Health Questions Part I – If any answers to questions 1-5 on Part 1 of the application health questions is “Yes”, the client IS NOT eligible for coverage. • Health Questions Part II – If any answer to question 1 on Part II of the application health questions is “Yes”, any Simple Inflation benefit IS NOT available, and the applicant will be limited to a MAXIMUM $100 daily benefit on the base Policy, Home Health Care Rider, and Hospital Indemnity Rider. • Prescription Drug Questions Part III – Please be as thorough as possible when completing this section. Telephone Interviews There may be instances when a telephone interview is necessary to verify information within the application. In the event we are unable to complete a Telephone interview, the application will be declined or withdrawn. * Any deviations from the application and information gathered during a Telephone Interview could result in processing delays. Please be aware that agents and/or an agent’s representative may not be present or on the line while a phone interview is being conducted. Pharmaceutical Information Standard Life has implemented a process to support the collection of pharmaceutical information for underwriting Short-Term care applications. To obtain the pharmaceutical information, the Authorization and Certification section must be signed by the applicant. Prescription information noted on the application will be compared to the pharmaceutical information received. Pharmaceutical information provided for the underwriting process will not be the sole factor in determining if coverage is approved.
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