Parkinson's disease (PD) is a motor system disorder. The four primary symptoms are tremor (shaking), stiffness of the limbs and trunk (rigidity), slowness of movement and impaired balance and coordination. Extra mortality is related partly to an increased incidence of respiratory and urinary tract infections associated with loss of motor control and inactivity.
Mild PD: Localized tremor, no rigidity, no abnormal gait may be Table C at ages under 50, Table B at ages 50-59, and Standard at ages 60 and over.
Moderate PD: Widespread tremor, some rigidity, shuffling gait but able to walk unassisted - may be Table D at ages under 50, Table C at ages 50-59, and Table B at ages 60 and over.
Life Insurance Solutions, in summary when underwriting a Parkinson's disease history, suggests for those persons looking for life insurance for Parkinson's disease, the following factors are very important in assessing the risk:
- Symptoms?
- Medications taken?
- Able to walk unassisted?
- Any history of other disorders related to PD not admitted elsewhere on application (e.g., urinary tract infection, respiratory infection, depression, etc.)?
- Note: Record details of related conditions in the application question specific to that condition.
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