Major Depression: See Psychological and Emotional Disorders

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1 Major Depression: See Psychological and Emotional Disorders Malignant Melanoma: A tumor of the skin. The action depends on the stage and depth of invasion of the tumor. with pathology report 0-2 years 2-10 years Submit survey application/decl. to std. Usually std. Manic Depression: See Psychological and Emotional Disorders Marfan s Syndrome: An inherited disorder of the connective tissues of the body resulting in abnormalities of the eyes, lungs, heart and skeletal system. No treatment for the disease is known, and its complications result in significant mortality and morbidity especially among younger age groups. Potential Underwriting Requirement None Mastitis: See Cystic Mastitis Mastoiditis: Inflammation, acute or chronic, of the mastoid antrum and cells. Present Recovered, after 6 months Chronic and/or hearing loss Usually std. Excl. Meniere s Syndrome: A disorder of the inner ear characterized by deafness, dizziness, and ringing. This type of labyrinthine disorder is often recurrent or chronic, with gradual increasing deafness. Surgery is often required. Present Recovered, no complications 0-3 years Substd. to std. and/or excl. 1

2 Meningitis: An acute inflammation of the meninges (covering of the brain and spinal cord). It can be due to viral and bacterial infections, sarcoidosis, etc., full chemical profile to rate for cause and residuals Meningocele: A birth deformity in which there is a herniation of the coverings of the brain or spinal cord through a vertebral bone defect. There is usually some degree of neurological impairment which may be partially or completely corrected surgically. Present PP Operated on, recovered, no symptoms 0-6 months Menstrual Disorders: These female impairments involve irregular menstrual bleeding, abnormal periods (occurrence and duration), and unusual degree of bleeding. The most commonly encountered of these conditions are: Amenorrhea - Dysmenorrhea - Menorrhagia - Metrorrhagia - Oligomenorrhea - Absent menstrual periods Painful menstrual periods Excessive bleeding duration menstruation Abnormal uterine bleeding at irregular intervals Significantly reduced menstrual flow. All: Potential Underwriting Requirements - APS Rate for cause to std. Mental Disorders: See Psychological and Emotional Disorders Migraine: See Headache Miscarriage: See Abortion 2

3 Mitral Insufficiency (Mitral Regurgiation): A systolic murmur due to incompetence of the mitral valve. with results of any cardiac diagnostic tests Mild Moderate -Severe With symptoms or marked hypertrophy Substd. to std. Usually decl. Mitral Stenosis: A dialostic murmur due to narrowing of the mitral valve. with results of any cardiac diagnostic tests Mild Moderate to severe Valvotomy, recovered Valve replacement Substd. Usually decl. Substd. to decl. Mitral Valve Prolapse: A click sound heard in the mitral valve. May be associated with benign arrhythmias (palpitations), chest pain, trace or significant mitral insufficiency, left ventricular hypertrophy or history of endocardititis. Potential Underwriting Requirements: APS with results of any cardiac diagnostic tests. to decl. Moles: A mole is a general term for a birthmark but is commonly applied to lesions made up of pigmented cells (nevus cells). This collection of cells is called a nevus (nevi). Benign melanocytic or nevus cell nevi are the most common, developing in childhood and early adulthood. Clinically and with biopsy, the nevus cells may be located at the junction of the dermis and epidermis (junctional nevus) or both in the dermis and eipidermis (compound nevus), or are confined to the dermis (intradermal nevus). Halo nevi are nevi with surrounding paleness and are benign. Congenital giant pigmented nevi are congenital lesions that have up to a 10% association with malignant melanoma. Dysplastic nevi develop throughout adult life. They may develop into malignant melanomas, and need careful follow up. Dysplastic nevi may occur on a familial 3

4 basis (Dysplastic Nevus Syndrome), known as BK Mole syndrome or occur sporadically. Close relatives without dysplastic nevi are at some risk for melanoma development. with pathology report Benign Nevus Under evaluation or awaiting biopsy Giant or pigmented nevus Dysplastic Nevi or BK Mole Syndrome PP Individual consideration Excl. Mononucleosis (Mono): See Infectious Mononeucleosis Multiple Myeloma: A cancerous condition arising from the immune system. It primarily involves the bones and kidneys. Potential Underwriting Requirements None Multiple Sclerosis (MS): This is a chronic neurological disorder of adult life. The cause is unknown and there is no specific treatment. It results in symptoms which include visual disturbances, neuritis, paralysis. In most cases, the course is marked by relapses and remissions. The course of the disease is usually progressive and debilitating. Potential Underwriting Requirements None Murmurs: See Heart Murmurs or specific type (aortic stenosis, aortic insufficiency, mitral stenosis, mitral insufficiency, pulmonary stenosis, pulmonary insufficiency). Muscular Dystrophy: Inherited disorders which result in degeneration of muscles. While there are several types of muscular dystrophy, most involve progressive respiratory and cardiac complications. No curative treatment is available. Potential Underwriting Requirements None Myasthenia Gravis: A chronic, slowly progressive disease of the nervous system. It is characterized by weakness of the muscles of the head, neck, and 4

5 chest area. Medication may prevent serious complications. Some patients benefit from surgical removal of the thymus gland. Some patients will have symptoms which only affect the eye muscles (ocular myasthenia). This condition has favorable prognosis if the patient remains free of generalized myasthenia symptoms for at least two years. Ocular (vision) involvement only 0-3 years Substd. Others Myelitis, Transverse: Inflammation of the spinal cord Present Recovered, no residuals 0-1 year Usually std. Not recovered Myocarditis: Inflammation of the heart muscle with results of any cardiac diagnostic tests, EKG Present Acute, recovered, no residuals 0-1 years 1-2 years Substd. Chronic or not recovered Myositis: Inflammation of a single muscle or muscle group. It may be caused by injury, infection, or overexertion. It results in pain, stiffness, and at times, joint deformity. Acute, recovered Chronic Std Substd. and excl. to decl. Myxedema (Hypothyroidism): See Thyroid, Disorders of 5

6 Narcolepsy: A condition characterized by episodes of a sudden, inappropriate and invincible desire for sleep. Recovered 0-3 years 3-5 years Substd. Substd. to std. Not recovered Nephrectomy: Surgical removal of kidney. Remaining kidney must be normal with the urinalysis normal., full chemical profile, urinalysis Due to trauma, congenital abnormality or benign tumor only 0-6 months Usually std. Others Individual consideration Nephritis, Glomerulonephritis (Bright s Disease): Group of disorders causing inflammation of the kidney. It can be acute or chronic. Chronic types can result in hypertension, edema, and progressive renal failure. with full chemical profile, urinanlysis Acute, recovered, no complications 0-1 year 1-3 years Substd. Std Chronic Nervous Breakdown: See Psychlogical and Emotional Disorders Nervousness: See Psychological and Emotional Disorders Neuritis: Inflammation of a nerve often with sensory and motor impairment. Causes include injuries, infections, diabetes, alcoholism, multiple sclerosis and certain types of anemia. The prognosis depends on the underlying cause and its removal. Rate for cause 6

7 Neurofibromatosis: See Neuromas Neurogenic Bladder: Partial or complete inability to control the bladder, most often due to an injury or disease of the spinal cord. Complications include serious infections and kidney stones. Potential Underwriting Requirements None Neuromas: Tumors arising from a nerve or its covering. Most are benign. Only two types are of underwriting concern multiple neuromas and acoustic neuromas. with pathology report Single, subcutaneous Neuroma, benign, removed, recovered Multiple Von Recklinghausen s Disease (Neurofibromatosis) Skin involvement only Excl. Other Acoustic neuroma Excised, complete removal, no residuals 0-5 years Obesity: See Overweight (Obesity) 5-10 years Substd. Oophorectomy and/or Salpingectomy: Removal of ovary and/or fallopian tube with pathology report Operation Contemplated: (Any) Rate for cause/excl. PP/decl. 7

8 Optic Atrophy: Atrophy of the optic nerve, may be evidence of degenerative disease of the brain and spinal cord. It may be associated with multiple sclerosis, alcoholism, diabetes or syphilis. Usually decl. Optic (and Retrobublar) Neuritis: Inflammation of the optic nerve, often associated with multiple sclerosis. Visual disturbances, ranging from blurred vision to temporary blindness, are the major systems. with visual acuity Cause known, complete recovery 0-2 years Individual consideration Cause unknown Orchidectomy (Surgical removal of the testicle): See Testicle, Disorders of Orchitis (Inflammation of the testicle): See Testicle, Disorders of Orthostatic Albuminuria: See Albuminuria, Orthostatic Osteomyelitis: An infection of the bone, frequently following injury, fracture, operation of a blood borne infection. These infections are difficult to eradicate and often recur or become chronic. A discharging sinus usually indicates a continuation of the infection. One bone only Single attack, recovered 0-1 year 1-5 years Excl. to std. Multiple attacks Usually excl. and/or substd. to decl. Multiple bones, recovered 0-1 year 0-5 years Excl. and/or substd. 8

9 Otitis Media: Inflammation of the middle ear. Spontaneous recovery takes place in most cases. Complications such as permanent hearing loss and meningitis occasionally develop. Acute, recovered Chronic Excl. Otosclerosis: Bony overgrowth in the inner ear. A chronic, progressive condition which typically results in deafness. Excl. Overweight (Obesity): Overweight people have a significantly greater tendency to develop high blood pressure, diabetes, gout, hyperlipidemia, and the associated early heart and blood vessel complications., Paramedical Exam, M.D. exam if past use of Phen-Fen or Redux Weight loss within last 12 months: Add back ½ of total before using chart Maximum Maximum Height Standard Height Standard Feet/Inches Weight Feet/Inches Weight Reconsideration Ratings can be considered one year from the original anniversary if (1) a suitable weight has been maintained for at least one year 9

10 and (2) no other medical problems have developed. The progress in weight reduction and its stability must be documented through periodic checks. 10