Long Term Care: COVID-19 Underwriting Update

Effective 12/8/20:

• Applicants ages 18-60 who are positive for COVID with no hospitalization, fully recovered and are symptom free for 30 days can be considered for coverage. 

• Applicants ages 61-69 who are positive for COVID with no hospitalization, fully recovered and are symptom free for 60 days can be considered for coverage. If the applicant has not met the 60 day requirement but has a physician’s statement noting they have been seen and are fully recovered can be considered for coverage.

• Applicants age 70 & up who are positive for COVID with no hospitalization, fully recovered and are symptom free for 90 days can be considered for coverage. If the applicant has not met the 90 day requirement but has a physician’s statement noting they have been seen and are fully recovered can be considered for coverage.

Applicants applying for coverage after being hospitalized for COVID-19 will be postponed for at least 6 months following discharge.

These guidelines are subject to change as we learn more about the long-term effects of COVID infection.