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Medical Impairments

Acromegaly

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Disease of pituitary gland.

Chronic excessive secretion of growth hormone.

  • Cause
  • Treatment
  • Complications

Requirement: APS

Age 0-17: decline

Age 18 and up

Untreated or diagnosis suspected: decline

Treated (surgery or medication), stable, minimal residuals, normal growth hormone (GH) levels:

Addison’s Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Disease of adrenal gland, characterized by atrophy of adrenal cortex with hormone deficiency.

  • Cause
  • Acute or chronic
  • Treatment
  • Level of Control
  • Complications

Requirement: APS

Good control compliant with replacement therapy, asymptomatic

Time since diagnosis or last symptoms:

0-6 months: postpone

6 months to 3 years: +100%

> 3 years: +50%

Complications or others: decline

AIDS – Acquired Immune

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Deficiency Syndrome Positive or indeterminate HIV findings.

Viral disease of the immune system caused by the human immunodeficiency virus (HIV). HIV becomes AIDS when the immune system is seriously damaged.

HIV or AIDS diagnosis: decline

Indeterminate findings: could review in 3 months

Affective Disorders: Depression and Bipolar Affective Disorder

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Excessive mood disturbance with symptoms varying from sadness to severe depression.

  • Date of diagnosis
  • Treatment and duration
  • Time lost from work
  • Recurrences
  • Family history of psychiatric illness
  • Physical symptoms such as headaches, fatigue, chest pain, palpitations, shortness of breath, stomach complaints, muscle, joint and back pain
  • Underlying issues such as substance abuse, stress at work, financial problems, etc.
  • History of suicide attempts or hospitalizations.

Requirement: APS, Emotional Health Questionnaire

Fast Track:

  • Details of date of diagnosis and onset
  • Contributing factors to the onset
  • Type of treatment
  • Duration of treatment
  • Time lost from work
  • Recurrences
  • Family history of psychiatric illness
  • Names and titles of all practitioners consulted

Reactive Depression, depressed mood, minor depression, situational depression, symptomatic dysthymia

Present:

Major Depression or Bipolar Affective Disorder:

Alcohol Misuse and Alcoholism

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Consumption considered as abuse, dependence, at risk and/or heavy use.

  • Current age
  • Amount declared
  • Any diagnosis of abuse or dependence
  • Any relapses
  • Member of self-help group
  • Treatment with medication
  • Any co-morbid conditions
  • Any medical complications
  • Occupational and financial stability
  • Driving record
  • Current or past drug use

Requirement: APS, Alcohol Use Questionnaire, blood test, MVR

Fast Track:

  • Details of treatment
  • Covering letter presenting favourable aspects of case (stable employment, attendance at self-help groups, etc.)

Previous alcohol dependence, abstainer no associated physical, social or mental impairments:

History of combined drug and alcohol abuse:

Amputations

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Complete or partial loss of a limb. May be due to trauma, infection or disease.

  • Cause
  • Degree of loss
  • Which limbs

Requirement: APS

Traumatic amputation:

Non-traumatic amputations e.g. vascular, tumours, diabetes: decline

Amyotrophic Lateral Sclerosis (ALS)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Lou Gehrig’s Disease Rapidly progressive and fatal neuromuscular disease.

Decline

Anemia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Iron Deficiency

A reduction of the red blood cells in the blood (creating a deficiency of iron in the body) due to blood loss, failure of the bone marrow to produce sufficient cells or premature destruction of the cells.

  • Type of anemia
  • Cause, if known
  • Treatment
  • Details of testing, referrals to specialists
  • Blood test results
  • Medications
  • Concurrent impairments

Requirement: APS

Fast Track:

  • Type of anemia
  • Details of ongoing surveillance

Depending on cause:

Angina Pectoris

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chest pain, tightness, or discomfort caused by reduced blood flow to the heart due to coronary artery disease.

Decline

Arteriosclerosis / Atherosclerosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Hardening of the arteries.

A generalized thickening of arteries where they become firmer, more tortuous, and less elastic. Arterial capacity is reduced, interfering with the free flow of blood. All arteries of the body may be affected.

A normal part of the aging process but appearance at an early age is significant. When present with other cardiovascular impairments, cases are usually declined.

Decline

Arthritis: Osteoarthritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the joints.

Arthritis is an inflammation of a joint or joints. Primarily due to trauma, infection,degeneration, toxic reaction or metabolic disorder. It may be the main feature of a disease (e.g. Rheumatoid Arthritis) or a secondary feature of a systemic illness(e.g. Inflammatory Bowel Disease). It is chronic in nature.

  • Type
  • Any deformity
  • Degree of severity
  • Joints involved
  • Treatment
  • Impact on occupational duties
  • Chronic pain

Requirement: APS

Mild to moderate: standard

Severe: standard to +50% depending on functional limitations

Very severe: decline

Surgery planned or completed: postpone until 3 months after surgery

Arthritis: Rheumatoid

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Including Psoriatic Arthritis and Still's disease / Juvenile Rheumatoid Arthritis

Chronic systemic disease resulting in inflammatory changes in the joints causing pain, stiffness and inflammation.

  • Type
  • Any deformity
  • Degree of severity
  • Joints involved
  • Treatment
  • Impact on occupational duties
  • Chronic pain

Requirement: APS

Fast Track: Results of blood test with Rheumatoid Factor

Rheumatoid arthritis

Psoriatic arthritis

Still's disease/Juvenile rheumatoid arthritis

Asthma

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic inflammatory condition of the airways causing shortness of breath, triggered by allergens, irritants, cold air, or exercise.

  • Current age
  • Date of diagnosis
  • Severity
  • Frequency of attacks
  • Type of medication
  • Compliance with medication
  • ER visits and hospitalizations
  • Smoking history
  • Concurrent impairments

Requirement: APS

Fast Track:

  • Copy of a Pulmonary Function Test, hospitalizations
  • Level of activity

Nonsmokers

Smoker

Attention Deficit Disorder (ADD) / Attention Deficit Hyperactivity Disorder (ADHD)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

May be associated with increased risk-taking activities, accidental injuries related to impulsivity, employment difficulties.

  • No definitive test
  • Treated with medications (stimulants), as well as environmental modification
  • No history of unprescribed drug use or alcohol abuse

Requirement: APS

No Complications: standard

Others: rated for complications

Basal Cell Carcinoma

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

  • Dermatologic follow ups
  • Availability of pathology report
  • Stage
  • Treatment
  • Number
  • Recurrence

Requirement: APS

Present

In history completly excised

Blindness

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Eye Impairments

Exclude blindness

Blood Pressure: Elevated / Hypertension

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Primary (essential) hypertension is the most common type, affecting 95% of people with hypertension. Cause is unknown, but thought to be the result of a complex interplay of factors.

Secondary hypertension results from kidney, endocrine or nervous system disorders.

  • Essential or Secondary
  • Age of onset
  • Current age
  • Medication / treatment
  • Response to treatment
  • Current and historical readings
  • Compliance with treatment and follow up
  • Concurrent impairments
  • Build
  • Presence of other cardiovascular complications and degree of target organ damage
  • Smoking status
  • Family history

Requirement: Vitals

Fast Track:

  • APS: record of historical readings
  • Details of any cardiac or renal investigation
  • Details of medication
  • Active lifestyle

Ratings depend on the severity of the hypertension. Most cases can be standard if well controlled and compliant with medication/diet and no other risk factors.

Bronchitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the bronchial air passageways.

Acute bronchitis is usually caused by an infection, but it can also result from inhaling irritants such as smoke or toxic gas. Common symptoms include cough, fever and sometimes chest pain. Inflammation is temporary, attacks are rarely disabling.

Chronic bronchitis predisposes to frequent attacks of acute bronchitis.

  • Causes
  • Acute or chronic
  • Treatment
  • Complications

Requirement: APS

Mild, Acute: standard

Chronic: Refer to Chronic Obstructive Pulmonary Disease (COPD)

Cancer

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A tumour that has the propensity to grow, invade surrounding tissues, and spread (metastasize) to other parts of the body.

The leading cause of critical illness claims in Canada.

  • Type
  • Family history
  • Date of diagnosis
  • Pathology
  • Type of treatment
  • Confirmation completely excised
  • Recurrence
  • Staging

Requirement: APS

Fast Track: Pathology report with staging and regular follow up

Typically decline

Best case: individual consideration with specific cancer exclusion.

Celiac Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic intestinal malabsorption disorder caused by intolerance to gluten.

  • Weight stability
  • Family history
  • Complications
  • Compliance with diet

Requirement: APS

Well controlled, asymptomatic, compliant

≤ 6 months since diagnosis: postpone

> 6 months since diagnosis: standard

Other: individual consideration

Chest Pain: Uncertain Origin

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Can be due to a wide variety of causes (hiatus hernia, lung disorders, panic attacks, muscular, cardiac, etc.). It is important to note the cause, frequency, duration and treatment.

  • Age
  • Cause of pain
  • Recurrence and frequency
  • Brought on by exercise/relieved by rest
  • Treatment

Requirement: APS, Chest Pain Questionnaire

Fast Track:

  • Past and current ECG
  • Cardiac investigation

Due to heart disease: decline

Cause Unknown: individual consideration

Cholesterol: Elevated or Hyperlipidemian

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Ideally measured following a 12-hour fast. High levels may be primary or secondary – associated with diet, activity level, and other factors. Linked to increased risk of coronary artery disease.

  • Current and historical readings
  • Medication
  • Compliance with medication
  • Build
  • Family history
  • Other coronary artery disease factors

Requirement: APS

Fast Track:

  • Fasting blood profile
  • Total Cholesterol, LDL and HDL levels

Controlled for at least 6 months, with no adverse associated findings or family history: standard

Other: individual consideration

Chronic Fatigue Syndrome (CFS)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Persistent/recurrent fatigue lasting over 6 months, severe enough to reduce daily activities by at least 50%, with other treatable diseases ruled out.

  • Evidence of a complete work up to rule out other diseases
  • Treatment
  • Amount of time lost from work

Requirement: APS

Present, well controlled, no depressive symptoms: standard

Present, with depressive symptoms: Refer to Affective Disorders

Full recovery: standard

Chronic Obstructive Pulmonary Disease (COPD)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

An obstruction of the airways. Often associated with a history of smoking.

  • Type
  • Severity
  • Smoking status

Requirement: APS

Non smokers

Smokers

Cirrhosis of the Liver

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Decline

Colitis: Ulcerative

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic inflammation of the colon (bowel), of unknown cause. Symptoms include bloody diarrhea. Tendency to remission and exacerbations.

  • Current age and age at onset
  • Severity
  • Duration
  • Recurrence
  • Treatment including medication, surgery and hospitalization
  • Affected sites
  • Medical follow ups
  • Weight loss/stability
  • Complications and extracolonic manifestations

Requirement: APS

Fast Track:

  • Review of colonoscopy reports

All cases within 2 years of diagnosis: postpone

No surgery, time since disease flare up (symptoms)

Surgical treatment with complete recovery, normal weight maintained

Colon Polyps

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A growth which is common and often asymptomatic in individuals over age 50. There are two common types:

  • hyperplastic which are not at risk for cancer, and
  • adenomatous, which may have a tendency to become malignant.

  • Type of polyp
  • Number of polyps
  • How recent
  • Colonoscopy and pathology reports
  • Family history of colon cancer
  • Follow-up/screening

Requirement: APS

Fast Track:

  • Colonoscopy and pathology reports

Hyperplastic: standard

Polyp present, any type: postpone until removed

All polyps (hyperplastic, adenomatous or other types): standard to colon cancer exclusion

Family history of colon cancer: possible rating in addition to information above.

Concussion: Brain

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Transient post traumatic loss of consciousness with no serious neurological residual impairment.

  • Date
  • Symptoms still present

Requirement: APS

Minor concussion with full recovery: standard

More severe or post-concussion syndrome

Connective Tissue Disorders: Discoid Lupus

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Skin lesions aggravated by sun exposure.

  • Consider exposure to sun
  • Treatment

Requirement: APS

< 6 months since diagnosis: postpone

> 6 months: standard to +100%

Connective Tissue Disorders: Systemic Lupus Erythematosus(SLE)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A rheumatic disease with multisystem involvement.

Decline.

Coronary Artery Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Decline.

Crest Syndrome

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic disorder of the immune system characterized by diffuse fibroids of the skin and internal organs.

Decline.

Crohn’s Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic inflammatory disorder of the gastrointestinal tract. Generally first diagnosed in young adults. Complications include obstruction and increased cancer risk. Complications similar to UlcerativeColitis. Surgery may be required.

  • Current age and age at onset
  • Severity
  • Duration
  • Recurrence
  • Treatment including medication, surgery and hospitalization
  • Affected sites
  • Medical follow ups
  • Weight loss/stability
  • Smoking
  • Complications and extracolonic manifestations

Requirement: APS

All cases within 2 years of diagnosis

At least two years since the diagnosis:

Cushing’s Disease or Syndrome

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Disease of adrenal gland.

Usually result of a pituitary tumour.

  • Treatment
  • No sequels
  • Cause
  • No hypertension or Diabetes Mellitus
  • Build

Requirement: APS

Individual consideration

Cystitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Bacterial infection of the lower urinary tract.

Requirement: APS, Urinalysis

Single episode, present: standard

Single episode, recovered: standard

Recurrent episodes, depending on history: standard to +50%

Diabetes / Gestational Diabetes

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic metabolic disease caused by lack of insulin or lack of response to insulin, causing fluctuations in blood sugar.

Type 1 or Insulin-Dependent Diabetes Mellitus (IDDM)
Formerly known as “JuvenileDiabetes.”

Usually diagnosed prior to age 40.
Usually quick onset of symptoms.
Type 2 or Non-Insulin-Dependent Diabetes Mellitus (NIDDM)
Formerly known as “Adult Onset.”

Gestational Diabetes
Glucose intolerance with onset during pregnancy – after pregnancy these women may remain diabetic, they may revert to a non-diabetic state, or may be at an increased risk to develop diabetes later.

  • Type
  • Age of onset
  • Treatment
  • Degree of control
  • Possible complications
  • Build
  • Blood pressure

Requirement: APS, Blood

Fast Track:

  • Full records with regular follow up, monitoring and control
  • Active lifestyle

Type 1: decline

Type 2

Gestational Diabetes

Diverticulitis / Diverticulosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Diverticulitis
Inflammation of diverticular mucosa

Diverticulosis
Presence of pouches or pockets, particularly of the intestine

  • Complications
  • Treatment
  • Diagnosis
  • Severity
  • co-morbidities

Requirement: Possible APS

Present: postpone

In history with no complications: standard

With complications

Dizziness

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Rated for cause

Drug Use: Marijuana

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Cannabis, Hashish, Pot

  • Frequency
  • Employment and financial stability
  • Driving record
  • No other complaints
  • Age
  • Recreational vs medicinal

Requirement: Drug Use Questionnaire

Individual Consideration:standard non smoker rates to Decline

Non-smoker rates if insurable and use not mixed with tobacco

Drug Use: Unprescribed, Narcotics

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Cocaine, Ecstasy, LSD, Heroin, etc.

  • When
  • Last use
  • Amount
  • Multiple drugs?
  • Evidence of occupational and financial stability

Requirement: Drug Use Questionnaire

Present use: decline

Drug free minimum 3 years, otherwise good risk: individual consideration

Ear Impairments: Deafness/Hearing Loss

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Total or partial hearing loss due to trauma or disease. May be progressive.

  • Cause
  • Degree
  • Impact on occupational duties

Requirement: APS

Fast Track:

  • Audiometry results

Exclude Deafness

Ear Impairments: Mastoiditis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of mastoid bone – either acute or recurrent.

  • Recurrent
  • Hearing loss

Requirement: APS if within 2 years

Fast Track:

  • Audiometry results

No treatment or presently undertreatment: postpone

All others: rated for cause

Ear Impairments: Meniere’s Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Chronic recurrent syndrome of passing vertigo, tinnitus, hearing loss, nausea and vomiting

  • Recurrent
  • Cause
  • Treatment

Requirement: APS

Exclude deafness

Eating Disorders: Anorexia Nervosa Bulimia Nervosa

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Characterized by distorted body image.

  • Age at diagnosis
  • Weight stability
  • Treatment
  • Length of time since last episode

Requirement: APS

No treatment or presently under treatment: postpone

All others: rated for cause

Endometriosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Endometrial tissue is present in sites outside the uterine cavity.

  • Symptom severity
  • Treatment
  • Complications

Requirement: APS

Present, no complications with or without medication, or in history with no surgery for 2 years and well controlled: standard

Complicated or multiple surgeries: individual consideration

Epilepsy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Brain disorder resulting in recurrent seizures.

A seizure disorder characterized by recurrent, brief episodes of uncontrollable activity produced by an abnormal electrical stimulation in the brain

  • Type, treatment
  • Number of attacks
  • Frequency of attacks
  • Time since last attack
  • Occupation (driving and participation in some occupations and avocations may increase the accident risk)

Requirement: APS

Individual Consideration

Eye Impairments: Blindness/Impaired Vision

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Vision loss can be caused by trauma or disease and can be acute or progressive. Legal blindness is vision of 20/200 or worse in the better eye

  • Cause
  • Number of attacks
  • Degree
  • One or both eyes
  • Impact on occupational duties

Requirement: APS

Congenital or due to trauma, blind in one eye and other eye normal or impaired: exclude Blindness

Total Blindness: individual consideration – if insurable, will exclude Blindness

Other causes: decline

Eye Impairments: Cataract

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Clouding of lens of eye.

Most common form is a senile cataract. Others may be caused by trauma or arise from complications of diabetes or other medical problems.

  • Cause
  • Treatment
  • Occupational duties

Requirement: APS

Present: exclude blindness

If operated and no complications: standard

Eye Impairments: Glaucoma

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Increased pressure in eye.

May be acute or chronic. If chronic and not properly managed, may lead to optic nerve damage and impaired vision. May be primary or secondary to trauma or other eye disorders.

  • Type
  • Treatment
  • Vision Loss
  • Occupational duties

Requirement: APS

Present Treated, stable, no loss of vision: standard with exclusion for blindness

Following corrective surgery: standard possible

Eye Impairments: Iritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the iris.

May be acute or chronic. May be due to infection or associated with underlying disease. Severe infection may lead to loss of vision.

  • Cause
  • Recurrent
  • Recovery
  • Loss of vision

Requirement: APS

Cause known: rate for cause

Cause unknown:

Eye Impairments: Retinal Detachment

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A partial or total separation of inner layers of retina from pigment layer, requiring urgent treatment.

  • Cause
  • Treatment
  • Loss of vision

Requirement: APS

Cause known: rated for cause and exclude blindness

Cause unknown: exclusion for blindness

Fibrocystic Breast Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Characterized by cyst formation causing pain and tenderness, differentiated by mammogram or biopsy.

  • Status
  • Family history of breast cancer

Requirement: APS

Fast Track:

  • Surgical report with pathology

Cysts present: exclusion for breast and ovarian cancer

Stable at least one year: standard

Fibroadenoma present: exclusion for breast and ovarian cancer

Stable at least one year: standard

Fibromyalgia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Fibrositis / Myofascial Pain Syndrome / Chronic Pain Syndrome.

Generalized aching and stiffness with characteristic “tender points”. Mechanical neck and back pain, sleep impairment, and depression/anxiety are often complaints.

The condition tends to be chronic (although it is NOT Chronic Fatigue Syndrome).

  • Date of onset
  • Type of treatment
  • Residual impairment
  • Other complaints

Requirement: APS

Other underlying disorders excluded: exclude LivingCare benefit

Otherwise: decline

Fractures

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Break or rupture of the bone which may be simple (closed) or compound (open). Usually caused by trauma but may be secondary to other disease. Some fractures require installation of pins, screws, plates which may increase risk of infection or a need for further procedures to remove/replace.

  • Cause
  • Residual impairment

Requirement: APS

Traumatic: usually standard

Pathological: rated for underlying disorder

Gall Bladder Stones

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Cholelithiasis.

  • Definitive diagnosis
  • Treatment

Requirement: APS

Silent stones or single episode of colic: standard

Recurrent episodes of colic, last episode within 3 years: +50%

Surgery imminent: postpone

Gastroesophageal Reflux Disease (GERD)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Varied complaints due to reflux of stomach and duodenal contents (acid and bile) into esophagus.

  • Definitive diagnosis
  • Treatment

Requirement: APS

Standard

If frequent symptoms and not fully investigated:
postpone

Gout

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Characterized by elevated uric acid with attacks of acute arthritis and sometimes kidney stones.

A metabolic disorder that predominantly affects middleaged males. Hypertension and obesity often accompany gout.

  • Number of attacks
  • Symptoms
  • Build
  • Blood pressure
  • Other cardiovascular impairments
  • Alcohol consumption
  • Complications

Requirement: APS

Acute, less than 3 attacks per year: usually standard

Chronic or severe: decline

Heart Abnormalities: Angina Pectoris

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Decline

Heart Abnormalities: Enlarged Heart

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

  • Age
  • Degree

Requirement: APS

Fast Track:

  • EKG, X-ray

Depending on age, degree and assuming no other cardiac or ECG abnormality, cause of enlargement: individual consideration (trial application)

Heart Abnormalities: Mitral Valve Prolapse

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

The most common heart valve abnormality which is often asymptomatic and requires no treatment.

  • Symptoms
  • No other signs of cardiac disease
  • Severity
  • Echocardiogram results
  • Complications

Requirement: APS

Fast Track:

  • EKG, Echocardiogram

No complications, mitral regurgitation absent or trivial: + 50%

No complications with mild mitral regurgitation: exclude Valve Replacement

Others: decline

Heart Abnormalities: Murmur

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Abnormal heart sounds caused by blood flow.

  • Functional or Organic
  • Age
  • Level of investigation
  • Cause
  • Complications
  • Progression

Requirement: APS

Fast Track:

  • Echocardiogram

Functional/Innocent: standard

Organic: individual consideration

Heart Abnormalities: Tachycardia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Rapid pulse.

  • Evidence of cardiac disease
  • Other symptoms
  • Pulse
  • Recurrent

Requirement: APS

Cause known: rated for cause

Cause unknown: individual consideration

Heart Attack

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Myocardial Infarction.

Decline

Hemochromatosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Disorder of iron metabolism leading to iron overload with deposition and damage to various tissues of the body.

  • Symptoms
  • Liver Function Tests

Requirement: APS

Fast Track: APS with details of symptoms and Liver Function Tests

Best case: normal iron studies and liver enzymes, no symptoms: standard

Others: individual consideration

Hepatitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the liver often evidenced by elevated liver enzymes.

There are several causes and it may be acute or chronic. Several viruses may cause a shortterm illness. Longterm chronic problems arise when a person fails to clear the offending virus from the body.

  • Type
  • Current level of liver enzymes

Requirement: APS

Fast Track:

  • Liver Function Tests
  • Hepatitis screen

Present, all types: postpone

In history, with full recovery,

Hernia: Inguinal, Hiatus, Umbilical

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Protrusion of tissues or organs. A protrusion of part or all of an organ or body structure through a weakness or defect in the wall of its normal confines. It is important to note the type and location.

  • Type
  • Treatment
  • Complications

Requirement: APS

Usually standard Investigations/Surgery pending: postpone

Hodgkins’ Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Enlarged lymphatic glands.

Decline

Huntington’s Chorea

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A hereditary disease causing involuntary muscle movements.

Decline

Hypoglycemia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Low blood sugar.

  • Diabetes
  • Cause
  • Control
  • Treatment

Requirement: APS

Functional, minimal symptoms: standard

Others: individual consideration

Hysterectomy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Surgical removal of the uterus.

  • Reason
  • Recovery
  • Complications

Requirement: APS

Fast Track:

  • Pathology Report

Rated for cause

Insomnia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Difficulty initiating or maintaining sleep.

Transient sleep disturbances are a normal part of life. Prolonged insomnia may indicate an underlying physical or adjustment disorder.

  • Degree
  • Duration
  • Treatment
  • Interference with function
  • Occupational duties

Requirement: APS

Cause known: rated for cause

Mild, cause unknown: standard

Others: individual consideration – rated for cause

Kidney Disorders: Polycystic Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inherited disease in which numerous cysts gradually develop, eventually destroying normal kidney tissue.

  • Family history
  • Fully investigated
  • Client’s age

Requirement: APS

Fast Track:

  • Negative Ultrasound

Decline

Family history of Polycystic Kidney Disease, fully investigated, normal ultrasound: individual consideration

Kidney Disorders: Glomerulonephritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Including Bright’s.

  • Acute
  • Recurrent
  • Chronic
  • Stability
  • Normal blood pressure

Requirement: APS

Decline

Kidney Disorders: Nephrectomy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Surgical removal of kidney.

  • Cause
  • Status of other kidney
  • No urinary system impairment
  • No hypertension
  • Not due to malignancy

Requirement: APS

Fast Track:

  • Urinalysis
  • Surgical report

Due to congenital abnormality, trauma, benign tumour, cysts; remaining kidney normal; normal urinalysis; no current urinary system impairment or hypertension: standard

Others: individual consideration

Kidney Disorders: Renal Failure

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Impaired kidney function – may be acute following shock, crushing injuries, infection or poisons. Full recovery may occur or may become chronic.

  • Cause
  • Complete recovery
  • Single episode

Requirement: APS

Fast Track:

  • Urinalysis
  • Kidney function tests

Acute episode, complete recovery, normal urine, normal blood pressure, no sequels 0-2 years: postpone

>2 years: standard to + 50%

Others: individual consideration

Chronic, or requiring dialysis: decline

Kidney Disorders: Kidney Transplant

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Recipient: decline

Kidney Stone

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

  • One or both kidneys
  • Single or multiple episodes
  • SNormal kidney function tests

Requirement: APS

Fast Track:

  • Urinalysis

Present, unilateral or bilateral

Staghorn Calculus

Meniere’s Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Ear Impairments

Exclude Deafness

Meningitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the brain or spinal cord.

  • Cause
  • Recovery
  • Complications

Requirement: APS

Fast Track:

  • HIV test

Present: postpone

In history, no residuals: standard

Residuals: individual consideration

Migraine

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A severe vascular headache caused by alterations in the diameter of the blood vessels within and outside the head. Visual abnormalities (blind spots, flashing lights), difficulty speaking, paralysis, a severe pounding headache and nausea often characterize a migraine.

  • Severity
  • Frequency
  • Cause

Requirement: APS

Migraine: standard

Headaches, severe or persistent Cause known: rated for cause

Cause unknown:

Miscarriage

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Interruption of pregnancy before fetus is capable of living outside the uterus.

Requirement: APS

Standard

Multiple Sclerosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Decline

Myocardial Infarction

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Heart attack.

Refer to Heart Attack.

Decline

Myositis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of muscles.

  • Cause
  • Recurrence
  • Recovery
  • Residual impairment
  • Occupational duties
  • Type
  • Treatment

Requirement: APS

Individual consideration

Narcolepsy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Characterized by excessive daytime sleepiness leading to sleep attacks.

  • Cause
  • Frequency
  • Response to medication
  • Occupational hazards
  • Motor vehicle offences

Requirement: APS

Cause known

Cause unknown

Obesity

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Build Table

Osteoarthritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Acceleration of the normal aging process, leading to degenerative joint disease.

Refer to Arthritis: Osteoarthritis

Ovarian Cysts

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Characterized by excessive daytime sleepiness leading to sleep attacks.

  • Treatment
  • Benign

Requirement: APS

Fast Track:

  • Pathology Report

Benign: standard

Others: decline

Pancreatitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the pancreas.

  • Acute
  • Recurrent
  • Treatment
  • Complications
  • No alcohol offences

Requirement: APS

Acute, no alcohol offences

<1 year: postpone

1+ years: +50 to +100%

Others: decline

Parkinson’s Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A progressive, degenerative central nervous system disorder.

decline

Phlebitis, Venous

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Thrombosis, Thrombophlebitis Inflammation of a vein, blood clot in a vein.

  • Recurrent
  • Treatment
  • Residuals
  • Complications

Requirement: APS

Superficial thrombophlebitis: standard

Deep vein, single episode, recovered at least 3 months: standard

Other: individual consideration

Pleurisy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

An inflammation of the membrane lining the inside of the chest wall and the surface of the lungs. It may be related to an acute pulmonary infection (eg. pneumonia, flu) or it may be associated with more serious illnesses (congestive heart failure, malignant tumours, pancreatitis, etc).

Effusion refers to accumulation of fluid in pleural cavity.

  • Single attack
  • Recurrent

Requirement: APS

Fast Track:

  • X-ray

Cause Known

Cause unknown

Pneumonia

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

An acute lung infection caused by bacteria, viruses, or fungi.

  • Recurrence
  • Complications

Requirement: APS

Fast Track:

  • Chest X-ray
  • Pulmonary function tests, if recent

Present: postpone

Single occurrence with full recovery: standard

Recurrent with residuals: individual consideration

Pneumonitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Lung disease secondary to inhalation of mineral or organic dust.

Present: postpone

Acute, 1-2 episodes, pulmonary function tests and chest X-ray normal, complete recovery, no longer exposed to causative agent 0-6 months: standard

Chronic re-exposure or with pulmonary fibrosis: individual consideration

Pneumothorax

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Collapsed lung.

May be spontaneous, due to trauma or artificially induced.

  • Cause
  • Recurrence
  • Full recovery

Requirement: APS

Fast Track:

  • X-ray

Spontaneous, no complications, complete recovery

1 episode: standard

2 episodes with successful treatment >1 year ago: standard

2 episodes with successful treatment, 1 year ago: +50%

3 episodes within last 5 years: +75%

Others: individual consideration

Pregnancy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

  • Trimester
  • Previous complications
  • Current status

Requirement: APS

Fast Track:

  • Current status

No complications: standard

With complications: postpone until 3 months post delivery

Prostate Disorder: Enlargement

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

A gland surrounding the neck of the bladder and urethra in the male. Disorders may include inflammation (acute or chronic), enlargement, or cancer of the prostate.

  • Cause
  • Degree
  • Recurrence
  • Normal urine

Requirement: APS

Fast Track:

  • Blood test
  • Pathology report if done
  • Urinalysis

Not operated

Operated

Prostate Disorder: Prostatitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

  • Recurrent
  • Urinalysis
  • Absence of hematuria

Requirement: APS

Fast Track:

  • Urinalysis if within past year

One episode, full recovery: usually standard

Pyelitis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Kidney Disorders

Pyelonephritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Kidney Disorders

Raynaud’s Syndrome

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Disturbances of circulation in extremities, causing numbness and pallor.

Requirement: APS

Standard

Shingles

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Herpes zoster.

Nerve infection with skin rash.

Requirement: APS

One episode, full recovery: standard

Skin Disorders: Dermatitis, Eczema, Psoriasis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Most skin eruptions are transient and related to viral infection or an allergic reaction. It is important to note any impact the skin disorder may have on the client’s occupation.

  • Acute
  • Recurrent

Requirement: APS

Standard

Skin Tumours: Benign, Non-melanoma, Melanoma

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Most common nonmelanoma:
basal cell carcinoma and squamous cell carcinoma. Non-melanoma rarely spreads.

Melanoma:
often characterized by a change is size, shape or colour. Less common but more aggressive.

  • Type
  • Family history of melanoma
  • Unusual/atypical moles
  • Date of diagnosis
  • Pathology
  • Type of treatment
  • Confirmation completely excised
  • Recurrence
  • Staging

Requirement: APS

Fast Track:

  • Pathology report with staging
  • Details of follow up

If no family history of Melanoma or Dysplastic Nevus Syndrome:

Single dysplasic nevus removed, and noother unusually/atypical moles:

2 or more dyplastic nevi or unusual/atypical moles:

Dysplastic Nevus Syndrome and a family history of it or melanoma:

Dysplastic Nevus Syndrome and no family history of malignant melanoma or dysplastic nevus syndrome:

Basal Cell Carcinoma or Squamous Cell Carcinoma:

Melanoma: decline

Sleep Apnea

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Cessation of breathing during sleep. Causes daytime fatigue, leading to increased accident risk. Commonly associated with excess weight and alcohol excess. Diagnosis is made by a sleep study.

  • Type
  • Degree
  • Treatment
  • Response to/compliance with treatment
  • Occupational hazard
  • No driving offences
  • Build
  • Cardiac arrhythmia
  • Smoker

Requirement: APS

Fast Track:

  • Sleep study

Obstructive, no cardiac arrhythmia, no treatment or treated with evidence of good response

Mild: standard

Moderate, treated with evidence of good response, no cardiac arrhythmia, non-smoker

Moderate, no treatment or noncompliant with CPAP: decline

Severe, No treatment or non-compliant: decline

Good response/compliant

Splenectomy

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Removal of the spleen, usually due to trauma.

  • Cause
  • Complications

Requirement: APS

Fast Track:

  • Chest X-ray
  • Complete Blood Count

Due to injury, fully recovered, no residual: standard

Other causes: rated for cause

Stomach Disorders: Gastritis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inflammation of the stomach.

  • Acute
  • Recurrent
  • Cause

Requirement: APS

Acute, single attack: standard

Chronic or recurrent, cause known: Rated for cause

Cause unknown:

Stomach Disorders: Ulcer

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Peptic, duodenal, gastric, etc. Peptic ulcer disease is a common impairment in which ulcerations develop in the esophagus, stomach, or duodenum. Previously the cause of ulcers was thought to be due to the secretions of stomach acid. Although this is still significant in ulcer formation, a bacteria called H. Pylori is thought to be the leading cause of ulcer disease. Antibiotics have proven to heal the ulcers and prevent recurrence. Another major cause of ulcers is the chronic use of anti-inflammatory medications.

  • Type
  • Treatment
  • Complications
  • Smoking status
  • Symptoms
  • Recurrence

Requirement: APS

Fast Track:

  • Operative report
  • Upper GI series

Malignancy ruled out, asymptomatic: standard

Others: individual consideration

Stroke and Transient Ischemic Attack (TIA)

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Stroke
Diminished blood supply to brain causing a neurological deficit.

Transient Ischemic Attack (TIA)
Partial interference with diminished blood supply – symptoms last less than 24 hours.

Stroke: decline

TIA: decline

Syncope

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Sudden transient loss of consciousness, of varying length and duration, not due to trauma or seizure.

  • Cause
  • Recurrence
  • Investigations
  • Treatment

Requirement: APS

Cause known: Rated for cause

Cause unknown, well investigated, cardiac and neurological disease ruled out

Recurrent, severe or not well investigated: postpone

Thalassemias

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Inherited anemia

  • Type

Requirement: APS

Minor trait, definite diagnosis, normal blood count: standard

Major trait: decline

Thyroid Disorders: Hyperthyroidism

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Gland is overactive in secreting a hormone that controls the body’s metabolism.

  • Treatment
  • Control

Requirement: APS

Present, untreated: decline

Still undergoing treatment, malignancy excluded. Time from onset of treatment:

Thyroid Disorders: Hypothyroidism

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Gland is underactive in secreting a hormone that controls the body’s metabolism.

  • Treatment
  • Control

Requirement: APS

Fast Track:

  • Lab Reports

Treated, under control: standard

Uncontrolled: postpone

Thyroid Disorders: Graves’ Disease

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Over-activity of thyroid which enlarges into goiter.

Refer to Thyroid Disorders: Hyperthyroidism

Thyroid Disorders: Thyroid Nodule or Cyst

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Over-activity of thyroid which enlarges into goiter.

  • Treatment
  • Pathology

Requirement: APS

Thyroid Nodule/Cyst present, Uninvestigated: postpone

Fully Investigated (usually involves a fine needle biopsy)

Thyroid Nodule/Cyst removed

Tuberculosis

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

An infectious disease that is increasing in Canada due to immigration and HIV exposure. It can usually be controlled with proper medical treatment, although drug resistant strains have developed. It is important to note the number of sites and extent to which an organ is infected, the medication, progressions, and any complications.

  • Type
  • Degree of involvement
  • Complications

Requirement: APS

Fast Track:

  • X-ray
  • Pulmonary tests

Present: decline

Pulmonary, treated with full recovery and no residual impairment: standard

Underweight

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Refer to Build Table

Varicose Veins: Legs

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Abnormally enlarged veins with functionally insufficient valves. They may develop because of a benign disorder (obesity, pregnancy, frequent standing) or be the result of a serious disorder (cirrhosis, tumours, clots, etc.)

  • Location
  • Cause
  • Treatment
  • Complications
  • Occupational duties

Requirement: APS

Standard

Vertigo

Condition and description Factors affecting the decision Fast track the app Likely underwriting decision

Rated for cause