SPECIAL CHILDREN

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SPECIAL CHILDREN Powered By Docstoc
					 SPECIAL
CHILDREN


UNDERWRITING
UNDERWRITING
Is based on the Insured’s
• Mental Status
• Physical Health
• Social Skills - ADLs
• Vocational Skills -
   ability for Self-support
    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
  DOWN’S 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
 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
 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
MENTAL RETARDATION
           I.Q.

Mild       70 - 50
Moderate   49 - 35
Severe     34 - 20
 MENTAL RETARDATION
Age at application:
          Life    TPD   ADB
< 7 yrs   PP      Dec   PP
> 7 yrs
   Mild   Std     Dec   1
   Mod    2       Dec   1
   Sev    Dec     Dec   Dec
           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
          AUTISM

• Appraisal is done on a case-
  to-case basis
• At time of application:
    < 18 yrs       PP
    > 18 yrs       Assess
              ADHD
A neurobiological disorder that
interferes with a person’s
capacity to:
• Regulate activity level
  (hyperactivity)
• Inhibit behavior (impulsivity)
• Attention to tasks (inattention)
in developmentally appropriate
ways
             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
              ADHD

              Life     TPD   ADB

Mild          B. Std   1-2   0-1
Severe        1.5      Dec   Dec
 +Addiction   Dec      Dec   Dec
         DYSLEXIA
• Learning Disability showing up
    as difficulty with language
• Trouble with oral and written
    language
• Average or Above Average
    intelligence
          DYSLEXIA
              Life   TPD     ADB
Dyslexia      Std
 Mild – Dx < 1 yr    PP      1
      – Dx > 1 yr    1.5     1
 Severe              Dec     1
With MR           Rate as MR
With Psych        Rate as Psych
With Other Dse    Rate as Disease
      REQUIREMENTS

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

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

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