UNINSURABLE CONDITIONS
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Acoustic Neuroma (unoperated)
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Acromegaly
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ADL Deficit
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AIDS/ARC
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Adult Day Care within 6 months
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Agoraphobia
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Alcohol 4 or more drinks daily
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Alcoholism with any current alcohol use
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ALS
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Alzheimer’s Disease
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Amputation due to disease, other than cancer
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Amputation 2 or more limbs
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Amyloidosis
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Ankylosing Spondylitis
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Anorexia
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Aplastic Anemia
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Arnold-Chiari Malformation
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Arrhythmia (uncontrolled)
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Arteriovenous Malformation (AVM)
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(unoperated)
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Arthritic requiring narcotic pain medication
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Asperger’s Syndrome
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Assisted Living Facility (resident within 6 months)
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Ataxia
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Avascular Necrosis (unoperated)
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Back Pain (disabling or requiring narcotic pain medication)
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Bell’s Palsy (present)
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Benig Positional Vertigo (BPV)
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(with falls)
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Bipolar (diagnosed within 3 years, psychiatric hospitalization within 2 years, 2 or more psychiatric hospitalizations)
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Blindness (not adapted or with ADL/IADL limitations)
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Bowel Incontinence
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Buerger’s Disease
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Bulimia
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Bullous Pemphigoid (active)
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Cardiomyopathy (dilated)
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Castleman’s
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Cerebral Aneurysm (unoperated)
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Cerebral Palsy
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Cerebrovascular Accident (CVA)
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(2 or more)
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Charcot Marie Tooth
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Chronic Pain (requiring narcotics, TENS unit, implantable stimulator,ADL/IADL deficit)
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Cirrhosis
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Complex Regional Pain Syndrome
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Confusion
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Connective Tissue Disease
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Cor Pulmonale
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CREST Syndrome
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Crohn’s (multiple flares or with complications)
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Cushing’s Syndrome
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Cystic Fibrosis
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Defibrillator (implanted)
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Dementia
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Dermatomyositis
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Diabetic Complications (neuropathy, nephropathy, retinopathy, gastropathy)
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Dialysis
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Dilated Cardiomyopathy
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Disabled, except VA disability
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Down’s Syndrome
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Dwarfism
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Dystonia
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Ehlers-Danlos
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Epilepsy (>2 seizures/year)
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Epstein-Barr Virus (within 2 years)
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Fibromuscular Dysplasia
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Fibromyalgia (disabling)
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Frailty
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Friedrich’s Ataxia
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Gaucher’s
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Glomerulonephritis
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Head Injury (residual functional or cognitive impairment)
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Heart Transplant
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Hemiplegia
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Hemophilia
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Hepatitis (chronic, active, alcohol related, residual liver damage)
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HIV Positive
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Hoarding
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Home Health Care (within 6 months)
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Huntington’s Chorea Hydrocephalus
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IADL Deficit
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Immune Deficiency
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Implantable Stimulator
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Irritable Bowel Syndrome (uncontrolled or with weight loss)
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Kidney Failure
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Kidney Transplant
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Lacunar Infarct (2 or more)
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Liver Transplant
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Lou Gehrig’s Disease
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Lupus (systemic)
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Marfan’s Syndrome
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Medicaid Recipient Memory Loss
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Mental Retardation
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Mixed Connective Tissue Disease
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Multiple Myeloma
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Multiple Sclerosis
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Muscular Dystrophy
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Myelodysplasia
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Myelodysplastic Syndrome
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Myelofibrosis
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Myasthenia Gravis (generalized)
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Neurofibromatosis
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Neurogenic Bowel or Bladder
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Neuropathy (related to diabetes or alcohol, or with history of falls or skin ulcers), or severe
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Nursing Home resident (within 6 months)
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Occupational Therapy
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(within 3 months*) *contact Underwriting to prequalify if within 3 months
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Organ Transplant
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Organic Brain Syndrome
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Osteoporosis (T score -4.0 or worse)
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Oxygen use
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Pancreas Transplant
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Pancreatitis (alcohol related, or >2 episodes)
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Paralysis
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Paraplegia
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Parkinson’s Disease Pemphigus Vulgaris Physical Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months
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Pick’s Disease
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Polycystic Kidney Disease
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Polymyositis
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Polyneuropathy
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Post Herpetic Neuralgia
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Post Polio Syndrome (with progressive weakness, fatigue, or limitations)
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Pregnancy (Is pregnant or receiving medical treatment to become pregnant)
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Primary Biliary Cirrhosis
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Pseudotumor Cerebri
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Psychiatric Hospitalization (within 3 years, or 2 or more)
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Psychosis
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Pulmonary Hypertension
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Quad Cane use Quadriplegia
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Reflex Sympathetic Dystrophy
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Retinal Vein Occlusion (2 or more)
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Schizophrenia
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Scleroderma
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Sclerosing Cholangitis
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Shingles (within 6 months)
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Sjogren’s Syndrome (systemic)
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Social Withdrawal
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Speech Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months
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Spina Bifida
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Stroke (2 or more)
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Surgery (requiring general anesthesia scheduled or planned)
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Systemic Lupus
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Thalassemia Major
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Transient Ischemic Attack (TIA) (2 or more)
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Tuberculosis
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Underweight
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Ventriculoperitoneal shunt Von Willebrand’s Disease
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Walker use
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Wegener’s Granulomatosis
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Weight loss (unintentional or unexplained)
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Wheelchair use





