Evaluation & Treatment of Epilepsy
Evaluation and treatment for epilepsy is typically done via electroencephalography (EEG). An EEG measures the electrical activity of the brain and can help confirm that epilepsy is present. This may also help classify the type of epilepsy. Imaging of the brain can also be a useful tool for evaluating seizures and is usually done with an MRI or CT scan. The goal of epilepsy treatment is to eliminate or reduce the seizure activity with minimal side effects of the treatment. While most epileptics will achieve adequate seizure control with medicines, up to one-third will not.
Life Insurance Underwriting for Epilepsy & Seizures
Here are the primary questions to a proposed insured who presents with a history of epilepsy or seizures will be asked:
- Age of onset or diagnosis? How long/time since diagnosis?
- Type of seizures? Is there any known cause, or are they idiopathic?
- Number of seizures, on average, per year?
- If they’ve ceased, when was the last?
- Has there been adequate work up including EEG, MRI, or CT scan?
- How is it being treated? Have there been any surgeries?
- Any complications? Status epilepticus? Alcohol misuse?
The underwriting of an applicant with epilepsy or seizures looks to several factors including the type of epilepsy or seizures, any known cause, frequency of the seizures, level of control, and any complications. Standard to low/moderate table ratings are typical, depending on the details. We even have a few carriers that indicate Preferred offers may be possible in the ideal circumstances.
If you have any questions, please contact us, we will help you gather the pertinent info that we’ll need to help evaluate your case.