Underwriting considerations for arthritis

Osteoarthritis (OA) is very common and if you have a "touch of arthritis", this is probably what you have. It is characterized by degeneration of joint cartilage and new bone formation at the joint margins. OA results from the aging process and trauma to the joint from wear and tear.

On physical exam, the joints are tender and may be inflamed. There is often joint enlargement, pain with weight bearing, and decreased range of motion. Surgical correction of the joint deformities can relieve pain and restore most function.

Considerations are use of narcotics to control the pain, major weight bearing surgery in the last 3-6 months, falls and fractures or if rheumatoid arthritis is present.