OmniFlex ™ Short-Term Care Underwriting Tip Sheet Questions: 800.842.7799
ManhattanLife’s OmniFlex™ Short-Term Care application approval process is 48-72 hours on average. These Frequently Asked Questions will help you avoid any underwriting delays.
Q: What is the average time frame for policy issue? A: 48-72 hours. Please review the tips below to ensure timely approval and policy issuance.
Q: What notifications are made upon OmniFlex™ policy approval? A: Currently, ManhattanLife does not send any notifications/emails to the insured on policy approval. Insureds only receive their printed policy if that option is elected at time of application. Q: Why do we need a diagnosis for the medications listed on the application? A: ManhattanLife requires a definitive diagnosis for each medication to accurately determine the con - ditions the applicant is being treated for. This information helps us process applications more efficiently. If a diagnosis is missing or marked as “NA,” it can delay the underwriting process. Complete information allows us to make faster decisions, and in many cases, approve the application on the same day. Q: What is a “Definitive Diagnosis”? A: A definitive diagnosis specifies the exact condition being treated. General terms or drug classes are not sufficient. Here are some examples for what we need: - Pain: Specify the cause (e.g., sciatica, post-surgery pain, arthritis, unspecified knee pain, neuropathy). - Prevention: State the reason (e.g., past cancer treatment, history of blood clots). There is a reason that prevention is prescribed. - Blood Thinner: Explain the condition (e.g., atrial fibrillation, post stroke in 2020). - Diuretic: Clarify the purpose (e.g., high blood sure, swelling). - Heart/Circulation Issues: Detail the specific contion (e.g., congestive heart failure, high blood pressure, atrial fibrillation, murmur). Providing accurate and detailed information helps us process your application more quickly and reduces theneed for follow-up calls. Q: How Long does the PHI interview take if needed? A: Phone Interview times vary depending on the questions that need to be asked and answered, as well as the answers from the applicant. Q: I forgot to add the medication list to the application. Can I send it later? A: Once the application is submitted, it is processed immediately. If medications are missing from the application but appear in the prescription report, we only contact the applicant if the medications relate to conditions we underwrite. Agents should ensure all medications are listed on the application or notify STC Underwriting within a couple of hours of submission, as we process applications quickly. Many times, the applicant has already been contacted for their phone health interview by the time the list is received by underwriting. It is important that the medications are listed on the application upon submission.
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