Tetrology of Fallot

Bob_The_Insurance_Guy

Guru
1000 Post Club
1,908
Decatur, Ga.
Have a woman, age 58, who has Tetralogy of Fallot and wants a FE Plan.

Would she be eligible?

Who would be her best option?

Here is the poop on TOF:

Tetralogy of Fallot (teh-tral-uh-je ov fuh-LOE) is a rare condition caused by a combination of four heart defects that are present at birth. These defects, which affect the structure of the heart, cause oxygen-poor blood to flow out of the heart and into the rest of the body. Infants and children with tetralogy of Fallot usually have blue-tinged skin because their blood doesn't carry enough oxygen.

Tetralogy of Fallot is often diagnosed during infancy or soon after. However, tetralogy of Fallot may not be detected until later in life, depending on the severity of the defects and symptoms. With early diagnosis followed by appropriate treatment, most children with tetralogy of Fallot live relatively normal lives, though they'll need regular medical care and may have restrictions on exercise.

Symptoms
Tetralogy of Fallot symptoms vary, depending on the extent of obstruction of blood flow out of the right ventricle and into the lungs. Signs and symptoms may include:

A bluish coloration of the skin caused by blood low in oxygen (cyanosis)
Shortness of breath and rapid breathing, especially during feeding
Loss of consciousness (fainting)
Clubbing of fingers and toes — an abnormal, rounded shape of the nail bed
Poor weight gain
Tiring easily during play
Irritability
Prolonged crying
A heart murmur


Please advise.
 
Most true FE applications are yes/no applications. Does he have coronary artery disease? Have they had a heart attack ir stroke in the last 24 months? Have they had heart surgery in the past 24 months? Do they use oxygen? If so, how many times per week?

If they can answer these no they will get preferred. Depending which set of questions a yes answer is in they will get graded or ROP.

On this case you need to determine whether her condition is considered coronary artery disease. If not, most true FE companies would accept her and probably at preferred rates.
 
Back
Top