Underwriting implications

Terms for income protection will be unlikely for most types of muscular dystrophy, but depending on the severity of symptoms and the rate of improvement, adverse terms may be available for extremely mild cases with slight symptoms, but generally the morbidity prognosis is poor. Terms for critical illness (CI) may be available subject to the severity and degree of involvement. If a client has been diagnosed with Facioscapulohumeral MD and the muscles of the face, upper back, upper arms and shoulders are affected, then terms may be offered with an additional rating of 50%, depending on the ...