Opinion ID: 796545
Heading Depth: 4
Heading Rank: 1

Heading: Conger's Long-Term Care Insurance Application and Claim

Text: 6 On July 11, 2002, Conger, who was a 54-year-old employee of the National Weather Service at the time, applied for insurance under the FLTCIP by completing an online application. The application contained a series of questions necessary for a five-year coverage period, and a separate set of questions required of applicants seeking an unlimited coverage period. Question 5 in the latter group asked, Within the last 10 years, have you had, been diagnosed with or been treated for any of the following conditions? The conditions listed included: 7 &#x2022; Diabetes (excluding gestational diabetes); 8 &#x2022; Disorder of the Brain (e.g. tremor, seizure disorder, head injury, tumor, infection), Neuropathy, Syncope, Paralysis, any Chronic or Progressive Neurological Disorder; 9 &#x2022; Memory Loss; and 10 &#x2022; Muscle Disorder (e.g., fibromyalgia, polymyalgia rheumatica, chronic fatigue syndrome). 11