| +0% |
No
additional rating required
|
| +25% etc.. |
Condition is believed to represent an
increased risk for Long Term Care insurance and
should be charged additional premium as
shown
|
| 90 EP
etc... |
If an EP
(Elimination Period) is stated, this represents the
minimum elimination period that the impairment
should be considered for. If no EP is stated, the case
may be considered at any available
EP
|
| 2 yr BP
etc... |
If a
BP (Benefit Period) is stated, this represents the
maximum benefit period that this impairment should
be considered for. If no BP is stated, the case may
be considered at any available BP
|
| NH
Only |
Condition
is considered to be too high of a risk for Home
Health Care (or comprehensive) coverage but represents
an acceptable risk for Nursing Home only
coverage
|
| RNI |
Risk Not
Insurable. Condition is inconsistant with the risk
associated with this product.
|
| RFC |
Rate for
cause. Condition is attributed to, or caused by,
another impairment. The underwriter should evaluate
based on that cause.
|
|
FSR |
Facultative submission required. These cases are
frequently uninsurable, but best case scenerios may
merit coverage. Files should be submitted and approved
by Gen Re in order to bind us on the
risk.
 |
