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Disability Income Insurance Underwriting Update:
Squamous Cell Carcinoma of the Skin

Squamous Cell Carcinoma of the Skin

We’ve recently re-evaluated our underwriting guidelines on Squamous Cell Carcinoma of the Skin, allowing us to make better offers in many scenarios.

What is Squamous Cell Carcinoma of the Skin?

Squamous cell carcinoma (SCC) of the skin is a common cancer arising from the keratinocytes of the epidermal layer of skin. It is locally invasive, and usually curable, although 5-10% can metastasize (spread) to lymph nodes and distant sites. An overall increasing incidence of SCC of the skin has been noted and in general, a higher incidence is seen with increasing age, in Caucasians, and in people living closer to the equator. Ultraviolet light exposure is the biggest risk factor. Other risk factors include immunosuppression, chronic inflammation, arsenic exposure, and positive family history.
 

Example
A 50-year old business executive with BMI of 24, history of a 2.1 cm squamous cell carcinoma of the skin six years ago and no recurrence.

The cancer was completely excised and no evidence of predictors of high risk for recurrence or metastases.


Pre-Guideline Changes:
Tumor of the Skin Rider


Post-Guideline Changes:
Standard



Each applicant is unique and offers may vary. Review the latest medical impairment update and visit the landing page for more information.

For additional information, please contact DI Underwriting at 1-800-767-1000, option *2
 

 
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Each applicant is unique and offers may vary.

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Disability income insurance policies issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 0111-0001.

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