Have you been hospitalized or evaluated in an emergency room or immediate care center for
a chronic illness requiring ongoing treatment or care by a physician; OR have you participated in any hazardous activities or extreme sports?
❍ In the past 2 years, have you been hospitalized or evaluated in an emergency room or immediate care center for
a chronic illness requiring ongoing treatment or care by a physician; OR have you participated in any hazardous activities or extreme sports?
Not exact matches
A critical
illness rider is similar, but offers the option of taking an early payout if you are diagnosed with a
chronic illness that
requires intense care over an extended period of time.
Kids with
chronic illnesses certainly
require extra «tender loving care», but also need the routines of childhood.
Narratives range from humorous to heart - wrenching: a teen is smitten by an older boy, a son battles drug addiction, a parent steals the unthinkable, a daughter and her family navigate thunderstorms, a mother redefines «home» for her autistic son — plus compelling essays on parenting teens with
chronic illness or anxiety disorders or that inevitable phase of parenting which
requires letting go of your teenager.
Most of us would swallow a pill before being poked by a needle, yet sufferers of
chronic illnesses are regularly
required to administer their medicine intravenously.
Sunjya K. Schweig, MD is an expert in complex
chronic illnesses, which
require rigorous investigation and management.
The majority of
chronic illnesses in the US are related to diet, and the SAD diet is predominantly processed foods, meat, and dairy (think of food that
requires you to open a package or box before you eat).
Developing a
chronic illness opened my eyes to reality: This body — this vessel that carries my soul —
requires care.
Life can seem like a daily struggle when you're living with a
chronic illness - especially one that
requires constant management and medication...
A critical
illness rider is similar, but offers the option of taking an early payout if you are diagnosed with a
chronic illness that
requires intense care over an extended period of time.
If you have an
illness that
requires specialized medical care, such as
chronic disorders or even cancer, you may be wondering how you will pay for it all.
In order to qualify for Penn Mutual's
chronic illness accelerated benefit rider you must be unable to perform 2 of 6 activities of daily living, or have a severe cognitive impairment for a period of 90 consecutive days, and continuous care in an eligible facility or at home is expected to be
required for the rest of your life.
In addition, a long - term care rider or
chronic illness rider can help provide needed cash in the event of a
chronic illness,
requiring long - term care services.
If your cat do suffer from these
chronic genetic - related
illnesses and
require long - term treatments, the medical expense can drastically increase from the average range of cost.
The video below tells the story of a couple with two dogs, one that
required years of treatment for
chronic conditions and one that
required emergency surgery for an acute
illness.
You can rely on us whether your pet
requires medication for a
chronic medical condition or needs short - term medication while recovering from an
illness, injury, or surgery.
First, these animals have
chronic illnesses that
require veterinary supervision to determine whether the therapeutic diet or other treatments continue to be appropriate for that pet.
Vaccines are intended for use in healthy animals only; if your cat already has IBD or other
chronic illness, talk to your veterinarian about submitting an exemption from legally
required vaccinations.
Chronic and critical
illness will be a reality for many of us,
requiring funds for living needs.
Let's say you develop a
chronic illness that's going to
require a long - term approach to getting better.
The
Chronic Illness rider gives you the option to accelerate a portion of your death benefit early if you are certified by a physician as being unable to perform at least two ADLs or activities of daily living (bathing, continence, dressing, eating, toileting, transferring) or if you
require substantial supervision due to severe cognitive impairment.
Chronic Illness: Partial distribution of death benefit if insured is unable to perform 2 of the 6 activities
required for daily living or is cognitively impaired.
Chronic Illness: If insured is unable to perform 2 of the 6 activities
required for daily living or is cognitively impaired.
If you
require prescription drugs to manage a
chronic illness, you'll likely need appropriate health insurance policy to cover this.
Transamerica, an A + rated company founded in 1904, offers unique options, with a few of their term life products, such as Living Benefits for early access to death benefits in the case of terminal or
chronic illness; Income Protection Options to allow customers to select from a combination of income stream and lump sum payouts for beneficiaries; no
required medical exams for policy amounts below $ 250,000; and low, $ 25,000 minimum face amount requirements.
A critical
illness rider is similar, but offers the option of taking an early payout if you are diagnosed with a
chronic illness that
requires intense care over an extended period of time.
Are you currently hospitalized, confined to a nursing facility, a bed, or a wheelchair due to
chronic illness or disease, currently using oxygen equipment to assist in breathing, receiving Hospice Care or home health care, or had an amputation caused by disease, or do you currently have any form of cancer (excluding basal cell skin cancer) diagnosed or treated by a medical professional, or do you
require assistance (from anyone) with activities of daily living such as bathing, dressing, eating or toileting?
Probably one of the most important reasons is that a
chronic illness rider
requires that the insured be permanently disabled.
Does the Proposed Insured have any
chronic illness or condition which
requires periodic medical care or may
require future surgery?
Additional benefit riders should your health status change: With the Accelerated Death Benefit for
Chronic Illness Rider, up to 50 % of the policy's death benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that the insured is unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or has a severe cognitive impairment,
requiring substantial supervision to ensure the health and safety of him or herself.
With the
Chronic Illness Rider, up to 50 % of the policy's death benefit ($ 500,000 maximum) can be accessed in advance if a licensed health care practitioner certifies during the prior 12 - month period that you are unable to perform at least two of six activities of daily living for a period of at least 90 days due to a loss of functional capacity, or have a severe cognitive impairment,
requiring substantial supervision to ensure your health and safety.3, 4,5,6
To qualify for a
chronic illness, you would need to be certified by a licensed health practitioner in the last 12 months with a qualifying
illness or physical condition that would prevent you from performing at least two «Activities of Daily Living», without substantial assistance or
requires substantial supervision from another person to protect the Insured Person from threats to health and safety due to cognitive impairment.
An optional add - on to a life insurance policy that provides a set amount of benefits in the event the insured has a
chronic illness and
requires daily assistance of care which is deducted from the death benefit in most cases.
This type of benefit typically
requires separate full underwriting for the insured but provides more comprehensive coverage for long - term or nursing home expenses than
chronic illness benefits, albeit at a higher cost.
In order to qualify for Penn Mutual's
chronic illness accelerated benefit rider you must be unable to perform 2 of 6 activities of daily living, or have a severe cognitive impairment for a period of 90 consecutive days, and continuous care in an eligible facility or at home is expected to be
required for the rest of your life.
Accelerated Death Benefit - Provides an option to accelerate a portion of the eligible death benefit and receive a payment if the insured is diagnosed with a covered
illness, which may include critical,
chronic, and terminal
illnesses (physician documentation is
required).
It's not uncommon to have this and the accelerated death benefit (ADB) considered one item on policies, but the qualifications for each are different: ADB
requires a terminal
illness diagnosis before being triggered; the LTC rider are triggered by
chronic illnesses that leave you unable to take care of yourself.
Accelerated Access Solution is a
chronic illness life insurance rider that provides income benefits if you are unable to perform 2 of 6 activities of daily living or have a cognitive impairment that threatens your health and well being
requiring substantial supervision.
A
chronic illness is defined as one that causes an individual to
require assistance with at least two activities of daily living (bathing, dressing, eating, transferring from a bed to a chair, continence, or toileting) or a significant cognitive impairment for at least 90 days.
While it might seem less expensive to simply pay for medical treatment out of pocket for sore throats and ear infections, a severe injury or the onset of a
chronic illness may
require much more expensive medical care.
People who have
chronic illnesses or those that
require constant medical attention but are not qualified to stay at hospitals for long periods of time, often obtain the services of home care coordinators to help them.
Eligible healthy adolescents had no history of a
chronic illness (no 6 - month or longer condition
requiring treatment by a medical subspecialist) and were recruited via ambulatory clinics and hospital employees.
On - going trauma such as long - term sexual abuse, physical violence, or
chronic illness that
required painful medical treatments are examples of situations that can cause complex trauma and can even cause Dissociative Identity Disorder (DID) formerly known as Multiple Personality Disorder (MPD).