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Course Orientation: Underwriting Psychiatric and Substance Use Impairments

Why Psychiatric and Substance Use History Changes the Risk Story

From Symptoms to Decisions: A Practical Information Checklist for Case Managers

Alcohol Use and Biomarkers (CDT)

Alcohol Use Patterns: When Social Drinking Becomes Underwriting-Relevant

Abnormal CDT: What It Signals and What Underwriters Need Next

Drug Use and Marijuana Use

Drug Use History: Turning a Sensitive Topic into Clear Underwriting Evidence

Marijuana Use: Frequency, Function, and Underwriting-Useful Details

Mood and Anxiety Conditions: Depression, Anxiety, Panic, OCD

Depression: Measuring Stability, Severity, and Safety

Anxiety and Panic: When Symptoms Drive Risk and When They Do Not

OCD: Capturing Impairment Without Overstating It

Neurodevelopmental Conditions: ADHD and Autism

ADHD Across the Lifespan: Function, Treatment, and Co-Occurring Risks

Autism: Documenting Support Needs and Daily Function for Underwriting

Severe Mental Illness: Bipolar Disorder and Schizophrenia

Bipolar Disorder: Sorting Episodes, Treatment Stability, and Risk Signals

Schizophrenia: Documenting Function, Stability, and Care Continuity

Integrating Findings: Ratings, Favorable Evidence, and Case Presentation

From Records to Ratings: How Case Managers Support Underwriting Outcomes

Knowledge Checks and Course Wrap-Up

Quiz 1: Alcohol Use and Abnormal CDT Decision Support

Quiz 2: Drug Use and Marijuana Use Documentation Skills

Quiz 3: Depression, Anxiety, Panic, and OCD Case Summaries

Quiz 4: ADHD and Autism Functional Evidence

Quiz 5: Bipolar Disorder and Schizophrenia Stability Assessment

Course Survey: Confidence and Readiness to Handle Psychiatric/Substance Use Cases

Mastering Underwriting for Psychiatric and Substance Use Disorders is a practical, case-focused course designed for insurance case managers, underwriters, and operations leaders who want to translate complex mental health and substance use histories into clear, decision-ready evidence. You’ll learn how stability, severity, treatment adherence, functional impact, and relapse risk shape mortality and life expectancy considerations—then apply structured checklists and timelines to gather what underwriters actually need. Through concise frameworks and real-world documentation techniques, you’ll confidently navigate alcohol use patterns and biomarkers like CDT, drug and marijuana histories, mood and anxiety conditions, neurodevelopmental conditions (ADHD and autism), and severe mental illness (bipolar disorder and schizophrenia). By the end, you’ll combine favorable evidence and red flags into standardized summaries that accelerate decisions and support better offers when warranted. Expect actionable intake prompts, consistent templates, and clarity on how records, self-report, and labs fit together. If you’ve ever had a case delayed by missing sobriety dates, unclear diagnoses, or incomplete medication histories, this course will give you the tools to prevent rework and present clean, defensible files the first time.

Mastering Psychiatric and Substance Use Underwriting 

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            <p>Life insurance risk assessment has traditionally leaned heavily on the tangible—blood pressure readings, cholesterol levels, and cardiac history. However, the modern landscape of mortality is increasingly defined by the invisible complexities of psychiatric health and substance use. For a case manager, a diagnosis of depression or a history of alcohol use is not merely a checkbox; it is a multifaceted narrative that influences life expectancy through a web of comorbidities, relapse risks, and functional impairments. This course challenges you to look past the clinical labels and investigate the core themes of stability, treatment adherence, and the profound impact that mental health has on an applicant’s overall risk profile. How does a period of remission in bipolar disorder compare to the chronic management of ADHD, and what does a "stable" history actually look like when translated into an underwriting decision?</p>

<p>Navigating the nuances of substance use—from social drinking and abnormal CDT biomarkers to the evolving legal and clinical status of marijuana—requires a shift from subjective judgment to evidence-based documentation. As the bridge between the applicant’s medical history and the final rating, your role is to transform sensitive, often fragmented information into a clear, actionable chronology. Whether you are assessing the support needs of an individual with autism or evaluating the recurrence risk of a major depressive episode, the goal remains the same: to capture the functional reality of the applicant’s life. By mastering the ability to identify favorable indicators, such as consistent therapy engagement and vocational stability, you provide the necessary context that allows underwriters to move beyond conservative assumptions and toward more accurate, individualized risk classifications.</p>
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