Alzheimer’s Disease. Alzheimer’s disease is a progressive degenerative Illness of the brain, characterised by diffuse atrophy throughout the cerebral cortex with distinctive histopathological changes. It affects the brain, causing symptoms like memory loss, confusion, communication problems, and general impairment of mental function, which gradually worsens leading to changes in personality. Deterioration or loss of intellectual capacity, as confirmed by clinical evaluation and imaging tests, arising from Alzheimer’s disease, resulting in progressive significant reduction in mental and social functioning, requiring the continuous supervision of the Insured Person. The diagnosis must be supported by the clinical confirmation of a specialist Medical Practitioner (Neurologist) and supported by Our appointed Medical Practitioner, evidenced by findings in cognitive and neuro radiological tests (e.g. CT scan, MRI, PET scan of the Brain). The disease must result in a permanent inability to perform three or more Activities with Loss of Independent Living” or must require the need of supervision and permanent presence of care staff due to the disease. This must be medically documented for a period of at least 90 days The following conditions are however not covered:
a. non-organic diseases such as neurosis and psychiatric Illnesses;
b. alcohol related brain damage; and
c. any other type of irreversible organic disorder/dementia.
Alzheimer’s Disease. Shall be defined as a progressive degenerative disease of the brain characterized by the loss of intellectual capacity involving impairment of memory or judgment or changes in personality which result in a significant reduction in mental and social functioning and which requires continuous supervision. For the purpose of this benefit, Alzheimer's disease shall be evidenced by a diagnosis of Alzheimer's disease from a neurologist licensed in the United States. The term Alzheimer's disease does not include neuroses or psychotic illness. The amount withdrawn under this provision without a Withdrawal Charge shall be as requested by the Owner up to 25% of the Contract Value. In the case of Joint Owners, this benefit applies to each of them up to 12 1/2% of the Contract Value. The amount withdrawn will be taken from the Separate Account Contract Value and the Fixed Account Contract Value as stated in the Withdrawal Provisions of this Contract. A withdrawal from the Fixed Account Option(s) may be subject to an Excess Interest Adjustment. This may mean an increase or decrease in the amount of Your benefit. VA620 19 Claim Requirements. Written proof of the Owner's Specified Condition must be received in Good Order by the Company at its Service Center before a Specified Condition benefit will be considered. Written proof includes a properly completed Company claim form, Your signed medical records release, and a Physician's statement of condition satisfactory to the Company. The Company reserves the right to request additional medical information from any Physician or institution which may have provided treatment for the Specified Condition. The Company may require, at its expense, an additional examination by a Physician of its choice. If there is a discrepancy between medical opinions, the opinion of the Company's Physician will govern, unless state law requires otherwise. For purposes of this Specified Condition benefit, Physician's statement means a written statement, acceptable to the Company, signed by a Physician which:
Alzheimer’s Disease. Alzheimer’s disease is a progressive degenerative Illness of the brain, characterised by diffuse atrophy throughout the cerebral cortex with distinctive histopathological changes. Deterioration or loss of intellectual capacity, as confirmed by clinical evaluation and imaging tests, arising from Alzheimer’s disease, resulting in progressive significant reduction in mental and social functioning, requiring the continuous supervision of the Insured Person. The diagnosis must be supported by the clinical confirmation of a Neurologist Medical Practitioner and supported by Our appointed Medical Practitioner. The following conditions are however not covered:
a. non-organic diseases such as neurosis and psychiatric Illnesses;
b. alcohol related brain damage; and
c. any other type of irreversible organic disorder/dementia.
Alzheimer’s Disease. Progressive and permanent deterioration of memory or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer’s disease resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant neurologist and supported by the Company’s appointed doctor. This condition shall be medically document for continuous period of at least 3 (three) months.
a. Non-organic diseases such as neurosis and psychiatric illnesses; and
b. Alcohol related brain damage.
c. Any other type of irreversible organic disorder / dementia.
Alzheimer’s Disease. Alzheimer’s (Pre-senile Dementia) disease is a progressive degenerative disease of the brain, characterised by diffuse atrophy throughout the cerebral cortex with distinctive Histopathological
Alzheimer’s Disease. Alzheimer’s disease is a progressive degenerative Illness of the brain, characterized by diffuse atrophy throughout the cerebral cortex with distinctive histopathological changes. Deterioration or loss of intellectual capacity, as confirmed by clinical evaluation and imaging tests, arising from Alzheimer’s disease, resulting in progressive significant reduction in mental and social functioning, requiring the continuous supervision of the Insured Person. The diagnosis of the disease must be before age 60 years, must be supported by the clinical confirmation of a Neurologist, evidenced by typical findings in cognitive and neuroradiological tests (e.g. CT Scan, MRI, PET of the brain) and supported by Our appointed Medical Practitioner. The following conditions are however not covered: • non-organic diseases such as neurosis and psychiatric Illnesses; • alcohol related brain damage; and • any other type of irreversible organic disorder/dementia.
Alzheimer’s Disease. Progressive and permanent deterioration of memory and intellectual capacity as evidenced by accepted standardized questionnaires and cerebral imaging.The diagnosis of Alzheimer’s disease must be confirmed by an appropriate consultant and supported by the Company’s appointed doctor. There must be significant reduction in mental and social functioning requiring the continuous supervision of the life assured. There must also be an inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living” for a continuous period of at least 3 months: Activities of Daily Living are defined as:
I. Washing – the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by other means;
Alzheimer’s Disease. Unequivocal diagnosis of Alzheimer’s Disease (presenile dementia) before the age of sixty-five (65), confirmed by a medical specialist and attested by cognitive and neuroradiology exams (e.g., CT scan, MRI and PET scan of the brain). The disease must give rise to a permanent incapacity of performing independently three (3) or more everyday tasks - bathing (being able to take an immersion or shower bath without the assistance of third parties), dressing (being able to dress and undress usual clothes, including any prostheses or orthoses, without the assistance of third parties), personal hygiene (being able to use the bathroom sink and to maintain a reasonable level of hygiene, such as dental hygiene, grooming, shaving and cleaning the excretory organs without the assistance of third parties), mobility (being able to move around the place of residence, on level surfaces, without the assistance of third parties), continence (being able to control the functioning of the intestines and/or bladder (being unable to control one of these functions implying the regular use of diapers or other kind of absorbent shall be considered as incontinence)), eating/drinking (the need to ingest solid and liquid food, prepared and served, necessary for nourishment, including being able to drink through a straw or using other adapted utensils, without the assistance of third parties), or give rise to the need for supervision and the permanent presence of special care by third parties, due to the disease. This condition must be clinically documented for a period of at least three (3) months.
Alzheimer’s Disease. 3. Any Medical Expenses incurred during the first three consecutive annual periods during which You have the benefit of a Health Guard Policy with Us in connection with:
a. Joint replacement surgery,
b. Surgery for prolapsed inter vertebral disc (unless necessitated due to an accident)
c. Surgery to correct deviated nasal septum d. Hypertrophied turbinate
Alzheimer’s Disease. A Short Overview
