Agent Guide | Home Health Care Select
Purchasing New Policies Applicants who were prior policyholders that either canceled their policy or allowed it to lapse are not able to purchase a new Home Health Care Select Insurance policy unless the person has had no Home Health Care Insurance coverage with ManhattanLife for 6 or more months. After this period with no coverage, the applicant would then have to submit a new application, request their desired plan option(s), and pass to underwriting. Reinstatement A Home Health Care Select Insurance policy can be reinstated up to 90 days after it has lapsed. Once a policy has lapsed more than 90 days, the individual must go 6 or more months without coverage with ManhattanLife. After this period with no coverage, the applicant would then have to submit a new application, request their desired plan option(s), and pass underwriting. Conditions on Eligibility Applicant must be between the ages of 45 - 89 as of the effective date. The applicant must be a resident of a state where the product is filed and approved. Ineligible Persons Ineligible persons include: • Anyone currently living in a nursing home or assisted living facility. • Anyone currently receiving home health care or similar-type benefits. • Anyone physically unable to perform routine activities such as bathing, dressing, eating,
toileting, or transferring to or from a bed or chair. • Anyone who is incarcerated in a penal institution. • Anyone currently in a psychiatric facility.
Withdrawn Applications Applications will be withdrawn for the following reasons: • The applicant does not recall filling out the application. • The application was taken by an agent who was not licensed and appointed at the time of solicitation in the state of solicitation, or the state in which the applicant resides.
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