SPECIAL CHILDREN

1
SPECIAL CHILDREN

• UNDERWRITING

2
UNDERWRITING

• Is based on the Insureds
• Mental Status
• Physical Health
• Social Skills - ADLs
• Vocational Skills -
• ability for Self-support

3
CEREBRAL PALSY

• INSURABLE if
• Survives adult life
• No significant mental defect
• Motor disability is, at the
• most, only moderate
• Able to work and live
• independently

4
DOWNS SYNDROME

• Insurable if
• Insured is 25 yrs and above
• Height is 4 feet and above
• No S/Sx of Heart Disease
• At most, only with Mild Mental Retardation

5
MENTAL RETARDATION

• refers to significantly below
• average intellectual functioning
• associated with an ability to
• effectively meet the usual
• standards of personal
• independence and social
• responsibility

6
MENTAL RETARDATION

• Onset occurs before the age of 18
• May also have seizures or other neurologic or
  psychiatric impairments, or congenital
  disorders
• UW- based on IQ and the likelihood that
  training, environment, and economic
  circumstances will result in ultimate
  self-support

7
MENTAL RETARDATION

• I.Q.
• Mild 70 - 50
• Moderate 49 - 35
• Severe 34 - 20

8
MENTAL RETARDATION

• Age at application
• Life TPD ADB
• lt 7 yrs PP Dec PP
• gt 7 yrs
• Mild Std Dec 1
• Mod 2 Dec 1
• Sev Dec Dec Dec

9
AUTISM

• Not a mental illness
• An interference in the normal development of the
  brain in areas of Reasoning, Social
  Interaction, and Communication Skills
• Not caused by bad parenting
• With no known psychological factors in child
  development which predispose to Autism

10
AUTISM

• Appraisal is done on a case-to-case basis
• At time of application
• lt 18 yrs PP
• gt 18 yrs Assess

11
ADHD

• A neurobiological disorder that
• interferes with a persons
• capacity to
• Regulate activity level (hyperactivity)
• Inhibit behavior (impulsivity)
• Attention to tasks (inattention)
• in developmentally appropriate
• ways

12
ADHD

• Mild
• Slight or moderately reduced school performance
• Social adjustment achieved
• With stable job
• Severe
• With episodes of rage/drug misuse
• Low IQ
• With adjustment problems

13
ADHD

• Life TPD ADB
• Mild B. Std 1-2 0-1
• Severe 1.5 Dec Dec
• Addiction Dec Dec Dec

14
DYSLEXIA

• Learning Disability showing up as difficulty
  with language
• Trouble with oral and written language
• Average or Above Average intelligence

15
DYSLEXIA

• Life TPD ADB
• Dyslexia Std
• Mild Dx lt 1 yr PP 1
• Dx gt 1 yr 1.5 1
• Severe Dec 1
• With MR Rate as MR
• With Psych Rate as Psych
• With Other Dse Rate as Disease

16
REQUIREMENTS

• Physical Health Status
• Mental Status
• Educational Level
• Ability to perform ADLs
• Ability to be gainfully employed

17
REQUIREMENTS

• Comprehensive Reports from
• Medical Doctor
• Developmental Pediatrician
• Psychologist
• Therapist(s)
• Special Education Teacher

18
ADVICE

• Only adults/juveniles needing limited support
  systems should be considered for limited
  amounts of life cover, subject to legal
  competence to consent to insurance on their own
  lives or the existence of sufficient insurable
  interest.

19
ADVICE

• Policies should be of limited duration and be of
  Endowment (Savings) type.