Updated Articles

  1. Cane Usage

    Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Ok TruStage Not asked Royal Neighbors Not specifically mentioned Co...
  2. Brain Tumor (not cancer)

    Aetna Diagnosis or treatment within 1 year = Modified Diagnosis or treatment within 2 years = OK for Std Aflac Diagnosis or treatment within 1 year = Modified Diagnosis or treatment within 2 years = OK for Std Americo Decli...
  3. Bedridden

    Aetna Decline Aflac Decline Americo Decline if currently or in the last 12 months Living Promise Decline if currently bedridden TruStage Not specifically asked but  could  indicate being hospitalized or being c...
  4. Amputation

    Aetna Decline if received or advised to receive an amputation due to any disease at any time Aflac Decline if received or advised to receive an amputation due to any disease at any time Americo Decline if due to any diseas...
  5. Activities of Daily Living

      Activities of Daily Living (ADLs) -can include, but aren't limited to: eating, bathing, toileting, dressing, and mobility.  Aetna Decline if PI currently needs assistance with ADLs Aflac Decline if PI currently needs assista...
  6. Pulmonary/Lung

  7. Pulmonary Fibrosis

    Pulmonary Fibrosis  is a lung disease that occurs when lung tissue becomes damaged and scarred.  This thickened, stiff tissue makes it more difficult for your lungs to work properly.  As it worsens, you become progressively more short of breath. ...
  8. Oxygen

    Aetna Decline if used or prescribed in the last year other than for sleep apnea Aflac Decline if used or prescribed in the last year other than for sleep apnea Americo Decline if supplemental oxygen used to assist in breat...
  9. Lung Disease

    Aetna See specific lung disease If using oxygen = Decline Aflac See specific lung disease If using oxygen = Decine Americo See specific lung disease. Living Promise Decline, if chronic Royal Neighbors See speci...
  10. Emphysema

    Emphysema is a type of COPD involving damage to the air sacs in the lungs.  As a result, your body does not get the oxygen it needs making it hard to catch your breath.  You may also have a chronic cough and have trouble breathing during exercis...