F

**FAMILY HISTORY**

Fifty percent of the physical, mental and temperamental traits of an
individual come from the parents. Diabetic parents, brothers, or sisters
increase the chances of an applicant for insurance to have diabetes. The
same is true of epilepsy, insanity, heart trouble, suicide or other
evidence of family mental instability, and possibly tuberculosis.

+-------------------------------------+--------+----------+-----------+
| ###                                 | ##     | ###      | #         |
|                                     | # [One |  [Two Ca | ## Three  |
|                                     |  Case] | ses]{.un | or [More  |
|                                     | {.unde | derline} | Cases]{.u |
|                                     | rline} |          | nderline} |
+-------------------------------------+--------+----------+-----------+
| ### Diabetes                        | ### 0  | ### 15   | ### 30    |
+-------------------------------------+--------+----------+-----------+
| ### Epilepsy                        | ### 0  | ### 15   | ### 30    |
+-------------------------------------+--------+----------+-----------+
| ### Insanity                        | ### 0  | ### 15   | ### 40    |
+-------------------------------------+--------+----------+-----------+
| ### Tuberculosis                    | ### 0  | ### 20   | ### 30    |
+-------------------------------------+--------+----------+-----------+
| ### Heart Disease                   | ### 0  | ### 20   | ### 30    |
+-------------------------------------+--------+----------+-----------+

**FIBROMA**

A fibroma is a benign tumor of fibrous connective tissue that is usually
found in the skin or subcutaneous tissues but not limited to these
areas. When found in other organs, see the specific organ.

**Underwriting Requirements**

An APS (VA Form 29-8158) is required.

  ------------------------------------------------ ----------------------
  Skin or subcutaneous tissue                      

  Present                                          

  Single, large, or not more than 4 small          0
  fibromas, asymptomatic for at least one year     

  Others                                           55-0

  History, cured by operation                      0
  ------------------------------------------------ ----------------------

**FILARIASIS AND ELEPHANTIASIS**

Filariasis is caused by the bite of an infected mosquito and the
infiltration into the blood stream of a tropical threadworm. There may
or may not be symptoms.

Elephantiasis is caused by the obstruction of the lymphatic channels by
the filarial worms. The legs and genitals are usually affected.
Inflammation, abscess formation, and swelling occur. Fortunately, this
disease, which can cause unshapely legs like elephants is very rare.

**Underwriting Requirements**

An APS (VA Form 29-8158) is required.

  ---------------------------------------------------- ------------------
  Filariasis                                           

  Present, infection within 1 year                     25

  Thereafter, without residual swelling                0

                                                       

  Elephantiasis                                        

  Mild                                                 50

  Moderate to marked                                   100
  ---------------------------------------------------- ------------------

**FRACTURES**

Fracture is a broken bone, single or multiple. If no external wound, it
is known as simple fracture. If body surface pierced, compound. If
several small pieces, comminuted. If one end of break forced into the
other, impacted. If flattened or hollowed, depressed. If partly broken
or bent, Greenstick.

Fractures of the arms or legs are unimportant after complete recovery
and restoration of function. Pelvic fractures could injure the pelvic
and genital organs and in females could affect normal childbirth.
Fractures of the ribs may cause serious injury to the heart and lungs.

A fracture of the skull is important because of possible damage to the
brain. Period of unconsciousness and immediate disability should be
considered. Symptoms are many, such as, headaches, dizzy spells,
neuralgias, visual disturbances, such as double vision, weakness or even
paralysis in arms, legs, or face, loss of sensations, such as sense of
smell, personality and emotional changes, periods of unconsciousness and
convulsions. Late sequelae include the post-concussion syndrome
(headaches, dizziness, amnesia, neurasthenia, psychasthenia, fatigue,
confusion on mental effort), epilepsy and change of personality.

A fracture of the spine may result in injury to the spinal cord and
spinal nerves. Symptoms are pain, neuralgia, bladder disturbances, and
tingling or persistent paralysis in one or more extremities.

**Underwriting Requirements**

An APS (VA Form 29-8158) may be required if adequate information is not
included on the application.

  --------------------------------------------------------- -------------
  Arms, or Legs, recovered, or simple fracture in cast to   0
  be removed in 1or 2 weeks, and satisfactory progress      

  Bones of hands, wrist, clavicle, and ankle, recovered, or 0
  simple fracture in cast to be removed in 1 or 2 weeks,    
  and satisfactory progress                                 

  Pelvis, after recovery, no complications                  0

  Ribs, after recovery, no complications                    0

  Skull                                                     

  Unconscious less than 2 hours, disabled less than 1 month 0

  Others                                                    Refer to
                                                            Section Chief

  If any of above are complicated cases, delayed functional 30-10
  use, or delayed union and nonunion                        
  --------------------------------------------------------- -------------

**FROHLICH'S SYNDROME**

**(Dystrophia Adiposogenitalis)**

Frohlich\'s syndrome is a condition usually attributed to the deficiency
of the pituitary gland (small oval gland connected to the brain which
affects body growth). It is characterized by obesity of the girdle type
(around hip and thighs) incomplete genital development, and changes in
the secondary sexual characteristics.

**Underwriting Requirements**

An APS (VA Form 29-8158) is required.

  --------------------------------------------------------- -------------
  Age 25 or under                                           40

  Over 25 years of age -- if general health and build       0
  rating are acceptable                                     

  Over 25 years of age with marked obesity add plus         75
  --------------------------------------------------------- -------------

**FROSTBITE**

The term applies to locally frozen soft parts of the body and the areas
are deprived of their normal circulation of blood. The checks, nose,
ears, fingers, and toes are the most often affected. The degree of
damage to the locally frozen areas are similar to those caused by burns,
redness, swelling, blisters, gangrene of varying depths and size, whole
or part of an extremity, injury to muscles, tendon, bone and nerves.
Similar terms relating to frostbite are: Chimatlon; Congelation; Pernio
syndrome; and trench foot.

**Underwriting Requirements**

If there are serious residuals, obtain an APS (VA Form 29-8158).

  ------------------------------------- ---------------------------------
  Within 3 months                       35

  After 3 months, with only small areas 0
  involved and full recovery            

  With residuals                        Rate the residual impairment

  Severe -- followed by Sympathectomy   Rate for degree of impairment and
                                        circulation -- 150 -- 50
  ------------------------------------- ---------------------------------

#### **FUNGAL DISEASES, THE MYCOSES**

The mycoses, which are diseases caused by fungi, are either endemic
(confined to certain geographic areas) or opportunistic (primarily
attach immune deficient or otherwise seriously weakened individuals).
These may include individuals who have been on immuno-suppressive
therapy or those who have AIDS.

Many of these diseases produce superficial infections involving skin and
mucus membranes only. All are capable, however, of involving deeper
tissues, particularly the lungs and other portions of the respiratory
system, less often the liver, kidney, and/or genitourinary system.

Effective antifungal therapy remains somewhat limited. Some infections,
especially those which involve only superficial tissues, resolve
spontaneously. When disability does result from mycotic infection the
respiratory system is most likely to be affected.

##### Underwriting Requirements

An APS (VA Form 29-8158) is required.

  --------------------------------------------------- -------------------
  Present or within 2 years of recovery               0

  Thereafter                                          0
  --------------------------------------------------- -------------------