Q: My applicant said they are not taking any medications and answered all health questions as “No.” Why do they need a phone health interview? A: We review prescription histories for all Omni-Flex applicants. If we find recent medications that could indicate a condition we underwrite for, we will call the applicant to clarify the diagnosis and treatment timeframe. Q: Are there certain medications taken that automatically trigger a PHI? A: Medications in the RX report that are not listed on the application and could indicate a condition we underwrite for would prompt a PHI. Q: My client takes a medication that is not listed on the medication list. Does this mean that they will be automatically approved. A: No. There is no way to make the medication list all inclusive.
Q: Does ManhattanLife use a build chart? A: No. For Omni-Flex, no build chart is used.
Q: What are the eligibility Questions? A: Please refer to the health questions on the application.
Q: What is two-tiered underwriting? How Does this effect my clients benefit options? A: Omni-Flex offers two levels of benefits: full and limited. Applicants wishing to apply for less than $100 per day and no simple inflation rider would need to pass the first section of health questions on the ap - plication. Applicants wishing to apply for OVER $100/day and/or include the simple inflation rider, must pass both sets of health questions. Q: For Tier 1 underwriting qualification, what - if any - limitations apply to the optional Hospital Indemnity Benefit? A: For Tier 1 underwriting, just as the Daily Benefit Maximum is $100 for the Facility Care Base & Home Health Care Rider, the same Daily Benefit Maximum of $100 applies to Hospital Indemnity Benefits. Note: the 3, 6 and 20 day Benefit Period options all remain available. Q: If my client is declined, will they receive a letter with the explanation via mail? A: Yes, they will receive a letter in the mail outlining the reason for the decline and the process to appeal. Q: Can my client appeal the underwriter’s decision if declined and what is the process to do so? A: If you would like to appeal our decision, please submit your request in writing. In order to assist us in processing your appeal, please include records regarding the condition for which you were declined. If you request any medical records or other supporting documentation, please note that we do not reim- burse any fees associated with such requests . Please submit medical records to: ManhattanLife Insurance and Annuity Company
Attention: Health Underwriting Dept. 10777 Northwest Freeway TX 77092 OR Fax to 713-583-8508 Houston, Attention: Health Underwriting Dept
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