We know it can be frustrating searching for a life insurance policy with a history of Charcot Marie Tooth Disease.
Don’t fret. We can help!
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Charcot Marie Tooth Disease? And if so…
2. How much will it cost?
Yes, most individuals with Charcot Marie Tooth Disease will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If Charcot Marie Tooth Disease is detected early in childhood, symptoms of progressing loss of muscle function are controlled and lifetime complications of motor disability prevented, most cases may qualify for the best rating at “Standard” health class. Click here for quote at “Standard”.
Moderate Case – Those cases of Charcot Marie Tooth Disease with mild complications of foot or leg deformity, but can still perform all daily activities without assistance and whose complications are prevented may still qualify for a “Mild Substandard” rating. For individuals, however, who present progressing conditions of muscle wasting, but show control of the symptoms may still qualify for a “Medium Substandard” health class. Click here for a quote at “Mild Substandard” or “Medium Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
At what age were you diagnosed with Charcot Marie Tooth Disease?
Charcot Marie Tooth Disease can be a very debilitating condition if not detected early and not managed well. If your case was discovered during your childhood and the necessary management any prevented major complication, then you may qualify for a “Standard” rating.
You might also be interested in reading this article “Life Insurance Approval with Multiple Sclerosis”
Have you experienced any symptom of pain within the last six months?
Symptoms of moderate to severe pain may be a sign of disease progression. If you have a debilitating condition that prevents you from doing your activities of daily living, the best rating you can get is at “Medium Substandard”.
Do you have lifestyle practices that may put a higher risk to your condition?
There are certain conditions that trigger progression of Charcot Marie Tooth Disease like pregnancy, extreme emotional anxiety, activities that place you at a higher risk for physical injuries or prolonged immobility. These risks will be considered by insurance companies and may get you a “Medium Substandard” health class.
Do you have any relevant diagnostic or laboratory exams?
If you have your previous laboratory results of DNA blood markers for CMT or diagnostic exams like CT-Scan or MRI to establish the extent of muscle or bone deformity, it will be helpful to determine the most appropriate rating. Usually, if there are mild debilitating conditions, the best rating that you can get is at “Medium Substandard”.
Are you using any medical device to support walking or moving around?
Patients who use foot braces or wheelchair and show impairment of movement may only qualify at “Medium Substandard” health class. But for people whose lung muscles are affected by Charcot Marie Tooth Disease may need further medical evaluation to determine the most appropriate rating.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Charcot Marie Tooth Disease
Charcot Marie Tooth Disease is also known as CMT neuropathy, inherited neuropathy, chronic neuropathy, peroneal muscular atrophy (PMA) and hereditary motor and sensory neuropathy (HMSN). It is a chronic hereditary neuromuscular disorder characterized by a gradual loss of touch sensation and muscle tissue across the different parts of the body.
CMT is a condition, which involves the peripheral nervous system that presents as a long-standing gait problem. Symptoms are first seen in late childhood until patients reach early adulthood. Usually, frequent injuries, poor athletic ability, inability to race with kids of the same age or incapability to jump may be observed.
However, even when a case of Charcot Marie Tooth Disease is not yet diagnosed symptoms of clumsiness, frequent slips or trips are seen. Then it progresses to difficulty in handling keys, buttoning shirts, opening jars or opening door knobs.
Upon physical assessment the distinct sign observed is the “foot drop,” “curled toe” or “clawed toe”. This is due to the muscle wasting of the lower limbs that may progress to the “stork leg” or the seemingly “inverted bottle” appearance. For prolonged cases of Charcot Marie Tooth Disease, the hands and forearms may also develop muscle wasting.
The symptoms of muscle wasting may be accompanied by arm or leg pain or spasm, which may later progress to loss of sensation. If management is not given immediately, the patient may develop lifetime disability from the muscle and bone contractures and deformity.
Serious complications of CMT may involve speaking, hearing or vision problems, bone malformations, difficulty in chewing or swallowing, plus head, neck or shoulder problems and even breathing difficulties.
See our other articles on Neurological Disorders and CLICK HERE!