Agent Guide | Short Term Care
ManhattanLife
Situations Requiring a New Application A new application is required if white-out or liquid paper has been used on the application or a change was made to the application and not initialed by the applicant. If the incorrect state-approved application was submitted. Only the most recent state- approved application will be accepted. If the status of the available application is in question, please call Sales & Marketing to confirm the application form number at 1-888-441-0770. Eligibility Questions Ineligible conditions include: For the Base Plan • Acquired Immunodeficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV), Arthrogryposis Dysfunction-Cholestasis (ARC). • Eligible for Medicaid, or on early Medicare due to disability or are disabled. • Receiving assistance or supervision to perform activities of daily living such as bathing, dressing, eating, toileting, getting in or out of bed, or having an inability to control bowel or bladder function. • Received home health care services, or confined in a rehabilitation facility, nursing facility, or assisted living facility. • Being treated or have been diagnosed by a medical professional for Alzheimer’s Disease, dementia, Parkinson’s disease (stage 4 and 5), Huntington’s Chorea, or cognitive impairment. • Receiving treatment by a medical professional for diabetic complications resulting in neuropathy, proliferative retinopathy, kidney disease or failure, renal insufficiency, or kidney dialysis. • Been advised to have tests, treatment or surgery that has not been performed or for which test results are pending within the last 12 months. *Note: Answering “No” to all the medical questions on the application does not guarantee acceptance. The underwriter reviews the applicant’s entire medical history when making their decision.*
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