A. First, let's talk EKGs:
What Is EKG?
The electrocardiogram (ECG or EKG) is a medical test that basically evaluates the electrical conduction system of the heart. It can help medical professionals discover a problem with the heart’s electrical impulses. It's typically the initial test that will indicate there’s an issue with coronary artery disease. An EKG can also help disclose the presence of arrhythmias, heart blockage, prior myocardial infractions (heart attacks), cardiomyopathy, left ventricular hypertrophy (LVH), and other issues.
The major components of the heart’s electrical cycle are the P-wave, QRS complex, and the T-wave. The P-wave represents the contraction of the atria (the top chambers of the heart) which pump blood to the ventricles (the bottom chambers of the heart). The QRS complex represents the contraction of the ventricles (the bottom chambers of the heart) which pump blood throughout the body. The T-wave shows repolarization, or the resetting of the ventricles to prepare them for the next heart beat.
What Are Common Abnormal EKGs?
T-wave changes are one of the most common abnormalities noted on an EKG. Changes in the T-wave may be a normal variant in some healthy individuals. It can also be related to age, body size/position, medications, or health issues like anemia, pericarditis and many others. T-wave abnormalities may also be caused by virtually any type of cardiovascular disorder such as coronary artery disease, valve impairments and hypertensive cardiovascular disease.
T-wave abnormalities are classified by their degree of abnormality. They are either considered to be minor or major changes, and ratings will depend on this classification, as well as the presence (or absence) of other risk factors. An EKG abnormality can be a red flag for a potential problem and the need for further investigation. When a case is rated or postponed for T-wave changes, favorable cardiac evaluation can often result in reconsideration.
In next blogpost, we will discuss how abnormal EKGs will impact your life insurance application.