Agent Guide | Home Health Care
Policy Issue Guidelines The policy issued is specific to the state of residence. The applicant’s state of residence controls the application, forms, premium and policy issued. If an applicant has more than one residence, the state where the federal income taxes are filed should be considered the state of residence. Multiple Policies An individual can only have one ManhattanLife, or Standard Life and Casualty, Home Health Care Enhanced or Home Health Care Select Insurance policy in place at any given time. Replacements A replacement takes place when an applicant wishes to exchange an existing ManhttanLife Home Health Care policy for another ManhattanLife Home Health care policy of lesser or greater value, or a policy with an external company. Internal and external replacements are processed in the same manner, and both require a newly completed application with full underwriting. An applicant that wishes to be reconsidered for the spousal discount will be handled as an internal replacement. For internal replacements, we will use the same underwriting criteria. However, we will also use our claims database to assist in determining the risk of an applicant. 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. Application Status For your convenience, you may access https://producer.manhattanlife.com/life/account/login.aspx?AsAgent at any time to verify the processing status of a submitted application. Declined Appeals If the applicant wishes to appeal his/her declined application, a written request must be submitted by the applicant to the Underwriting Manager within 60 days of the decision. If more than 60 days have passed since the decline, the applicant will be required to submit a new application and a telephone interview will be completed. All appeals require medical records pertaining to the condition for which the applicant was declined. It is the responsibility of the applicant to obtain his/her medical records, as ManhattanLife does not make such requests. Medical records must be submitted to the Underwriting Department directly from the physician’s office and will not be accepted if submitted by the applicant or agent. Please note that ManhattanLife does not reimburse any fees associated with obtaining medical records or other supporting documentation pertaining to the requested appeal. The written request and medical records may be faxed to 1-713-583-2738 and directed to the attention of the Home Health Care Underwriting Manager. The request and records may also be mailed to the physical address or post office box on page 18 of this Guide.
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