What is Abbreviated Underwriting?
Abbreviated underwriting has fewer health-related questions than full underwriting. Employees who are eligible for abbreviated underwriting and apply for the 3 year or 5 year benefit period answer seven questions about their health. Spouses of employees who are eligible for abbreviated underwriting answer nine questions, and may need to authorize access to their medical records. They may also have an interview with a nurse. Both employees and spouses will have to answer an additional six questions. Get the Abbreviated Underwriting Application here.
Abbreviated underwriting has fewer health-related questions than full underwriting. Employees who are eligible for abbreviated underwriting and apply for the 2, 3, or 5 year benefit period answer 7 questions about their health. Spouses of employees who are eligible for abbreviated underwriting answer 9 questions and need to authorize access to their medical records. They may also have an interview with a nurse. Employees and spouses who are eligible for abbreviated underwriting and apply for the unlimited benefit period answer fewer questions than full underwriting and need to authorize access to their medical records. They may also have an interview with a nurse. Get the abbreviated underwriting application here.
