Agent Guide | Short Term Care
ManhattanLife
Underwriting Continued 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 through 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 phone interview, additional medical records may be required. * Any deviations from the application and information gathered during a Phone 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 underwritten 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 additional pharmaceutical information received. This additional information will not be solely used to decline coverage.
AGT-STC 0125
12
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