How Could this Be Avoided?

Update. She qualifies for Guaranteed issue. I thought I knew a lot about this business and I'm still surprised by what I don't know. Aetna pays .5%. I'm thrilled to be able to save this deal for the client, but does any company pay better? In Ohio?
 
Update. She qualifies for Guaranteed issue. I thought I knew a lot about this business and I'm still surprised by what I don't know. Aetna pays .5%. I'm thrilled to be able to save this deal for the client, but does any company pay better? In Ohio?

I thought you said she completed PT and just thought she might need to go back again but had not been told by doctor that she needs more PT.

If that's the case explain to her why the answer to that question is NO and do app with another company underwritten G

Unless there is more to the story
 
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