Updated Articles

  1. Depression

    Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Decline if PI was hospitalized for depression in the last 2 years Royal Neighbor...
  2. Dementia - Memory Loss

    Dementia describes a group of symptoms affecting memory, thinking and social abilities severe enough to interfere with daily life.     Aetna Decline Aflac Decline Americo Decline Living Promise Decline Royal Neig...
  3. Bipolar - Schizophrenia - Psychosis

      Bipolar Disorder , also known as manic depressive illness, is a brain disorder that causes unusual shifts in mood, energy, activity levels, and the ability to carry out day-to-day tasks. Schizophrenia is a chronic and severe mental disorder t...
  4. Anxiety

    Aetna Not specifically mentioned Aflac Not specifically mentioned Americo May be eligible for Select 1 or Select 2 Living Promise Decline if PI was hospitalized for Anxiety in the last 2 years. Royal Neighbors ...
  5. Alzheimer's Disease

    Alzheimer's Disease is an irreversible, progressive brain disorder that slowly destroys memory and thinking skills and, eventually, the ability to carry out the simplest tasks. Effective May 2025, any client with an Alzheimer's diagnosis must ...
  6. Ulcerative Colitis

    Ulcerative Colitis  is an inflammatory bowel disease that causes long-lasting inflammation and ulcers (sores) in your digestive tract.  It affects the innermost lining of your large intestine (colon) and rectum. Aetna Not specifically m...
  7. Renal Disease, end stage

    End Stage Kidney (Renal) Disease is the last stage of chronic kidney disease.  When your kidneys fail, it means they have stopped working well enough for you to survive without dialysis or a kidney transplant. Aetna If diagnosed, treat...
  8. Polycystic Kidney Disease

    Polycystic Kidney Disease is an inherited disorder in which clusters of cysts develop primarily within your kidneys causing your kidneys to enlarge and lose function over time. Aetna If diagnosed, treated or advised to have treatment w...
  9. Pancreatitis

    Pancreatitis is inflammation of the pancreas.  It happens when digestive enzymes start digesting the pancreas itself.  It can be acute or chronic.  Either form is serious and can lead to complications. Aetna Not specifically mentioned...
  10. Liver Failure

    Aetna If diagnosed, treated or advised to have treatment within the past 2 years, Modified only Aflac If diagnosed, treated or advised to have treatment within the past 2 years, Modified only Americo Decline (also decline ...