Abnormal motion of the small or large bowel causing pain and cramps. A very common condition often related to stress.
Mild disease with no incapacitating symptoms. No rating, best classes available.
INFLAMMATORY BOWEL DISEASE - (ULCERATIVE PROCTITIS, ULCERATIVE COLITIS, CROHN'S DISEASE)
Ulcerative Proctitis - A chronic inflammation of the lower portion of the colon (rectum). Over 1 year from date of diagnosis, may be Table B to Standard, depending on age.
Ulcerative Colitis A chronic inflammation of the colon (large intestine). Not surgically treated: diagnosis or last major attack more than one year ago, ages 20 and over: Table H to Table B depending on severity of disease, time since last major attack and current age. Standard possible after five years in some cases. Surgically treated, with removal of colon, more than six months ago with full recovery, possible Standard with a $5 flat extra/thousand until two years after surgery.
Crohn's Disease A chronic inflammation of all the layers of the intestines; can occur anywhere in the gastrointestinal tract. Symptom-free or minor symptoms, ages 20 and over, after one year from diagnosis or last major attack, possible Table F to Table B depending on current age. At ages over 35, Standard may be available after five years.
Life Insurance Solutions, in summary when underwriting an irritable bowel disease (IBS) disease history, suggests for those persons looking for life insurance for irritable bowel disease (IBS) , the following factors are very important in assessing the risk:
- Name of condition?
- Age at diagnosis/date of diagnosis?
- Date of last attack?
- Description of symptoms (e.g., abdominal pain, diarrhea, bleeding?)
- Medications taken?
- Dates of hospitalizations?
- Dates of surgery if any? Symptoms completely resolved after surgery?
|
