UNINSURABLE CONDITIONS

• Acoustic Neuroma (unoperated)

• Acromegaly​

• ADL Deficit

• AIDS/ARC

• Adult Day Care within 6 months

• Agoraphobia

• Alcohol 4 or more drinks daily

• Alcoholism with any current alcohol use

• ALS

• Alzheimer’s Disease

• Amputation due to disease, other than cancer

• Amputation 2 or more limbs

• Amyloidosis

• Ankylosing Spondylitis

• Anorexia

• Aplastic Anemia

• Arnold-Chiari Malformation

• Arrhythmia (uncontrolled)

• Arteriovenous Malformation (AVM)

• (unoperated)

• ​​Arthritic requiring narcotic pain medication

• Asperger’s Syndrome

• Assisted Living Facility (resident within 6 months)

• Ataxia

• Avascular Necrosis (unoperated)

• Back Pain (disabling or requiring  narcotic pain medication)

• Bell’s Palsy (present)

• Benig  Positional Vertigo (BPV) 

• (with falls)

• Bipolar (diagnosed within 3 years, psychiatric hospitalization within 2 years, 2 or more psychiatric hospitalizations)

• Blindness (not adapted or with  ADL/IADL limitations)

• Bowel Incontinence

• Buerger’s Disease

• Bulimia

• Bullous Pemphigoid (active)

• Cardiomyopathy (dilated)

• Castleman’s

• Cerebral Aneurysm (unoperated)

• Cerebral Palsy

• Cerebrovascular Accident (CVA) 

• (2 or more)

• Charcot Marie Tooth

• Chronic Pain (requiring narcotics, TENS unit, implantable stimulator,ADL/IADL deficit)

• Cirrhosis

• Complex Regional Pain Syndrome

• Confusion

• Connective Tissue Disease

• Cor Pulmonale

• CREST Syndrome

• Crohn’s (multiple flares or with complications)

• Cushing’s Syndrome

• Cystic Fibrosis

• Defibrillator (implanted)

• Dementia

• Dermatomyositis

• Diabetic Complications (neuropathy, nephropathy, retinopathy, gastropathy)

• Dialysis

• Dilated Cardiomyopathy

• Disabled, except VA disability

• Down’s Syndrome

• Dwarfism

• Dystonia

• Ehlers-Danlos

• Epilepsy (>2 seizures/year)

• Epstein-Barr Virus (within 2 years)

• Fibromuscular Dysplasia

• Fibromyalgia (disabling)

• Frailty

• Friedrich’s Ataxia

• ​Gaucher’s

• Glomerulonephritis

• Head Injury (residual functional or cognitive impairment)

• Heart Transplant

• Hemiplegia

• Hemophilia

• Hepatitis (chronic, active, alcohol related, residual liver damage)

• HIV Positive

• Hoarding

• Home Health Care (within 6 months)

• Huntington’s Chorea Hydrocephalus

• IADL Deficit

• Immune Deficiency

• Implantable Stimulator

• Irritable Bowel Syndrome (uncontrolled or with weight loss)

• Kidney Failure

• Kidney Transplant

• Lacunar Infarct (2 or more)

• Liver Transplant

• Lou Gehrig’s Disease

• Lupus (systemic)

• Marfan’s Syndrome

• Medicaid Recipient Memory Loss

• Mental Retardation

• Mixed Connective Tissue Disease

• Multiple Myeloma

• ​​Multiple Sclerosis

• Muscular Dystrophy

• Myelodysplasia

• Myelodysplastic Syndrome

• Myelofibrosis

• Myasthenia Gravis (generalized)

• Neurofibromatosis

• Neurogenic Bowel or Bladder

• Neuropathy (related to diabetes or alcohol, or with history of falls or skin ulcers), or severe

• Nursing Home resident  (within 6 months)

• Occupational Therapy 

• (within 3 months*)  *contact Underwriting to prequalify if within 3 months

• Organ Transplant

• Organic Brain Syndrome

• Osteoporosis (T score -4.0 or worse)

• Oxygen use

• Pancreas Transplant

• Pancreatitis (alcohol related, or >2 episodes)

• Paralysis

• Paraplegia

• Parkinson’s Disease Pemphigus Vulgaris Physical Therapy (within 3 months*) *contact Underwriting to prequalify if within 3 months

• Pick’s Disease

• ​Polycystic Kidney Disease

• Polymyositis

• Polyneuropathy

• Post Herpetic Neuralgia

• Post Polio Syndrome (with progressive weakness, fatigue, or limitations)

• Pregnancy (Is pregnant or receiving medical treatment to become pregnant)

• Primary Biliary Cirrhosis

• Pseudotumor Cerebri

• Psychiatric Hospitalization (within 3 years, or 2 or more)

• Psychosis

• Pulmonary Hypertension

• Quad Cane use Quadriplegia

• Reflex Sympathetic Dystrophy

• Retinal Vein Occlusion (2 or more)

• Schizophrenia

• Scleroderma

• Sclerosing Cholangitis

• Shingles (within 6 months)

• Sjogren’s Syndrome (systemic)

• Social Withdrawal

• Speech Therapy (within 3 months*)  *contact Underwriting to prequalify if within 3 months

• Spina Bifida

• Stroke (2 or more)

• Surgery (requiring general anesthesia scheduled or planned)

• Systemic Lupus

• Thalassemia Major

• Transient Ischemic Attack (TIA) (2 or more)

• Tuberculosis

• Underweight

• ​Ventriculoperitoneal shunt Von Willebrand’s Disease

• Walker use

• Wegener’s Granulomatosis

• Weight loss (unintentional or unexplained)

• Wheelchair use​