Spot RED FLAGS immediately

Hank's Rx Guide highlights such key factors as significant side effects which may mimic symptoms of undiagnosed impairments, implications of dose on reason for use and impairment severity, and use in specific impairment contexts with other Rx can influence the risk associated with the use of a particular drug.

RED FLAGS linked to any medication must be reconciled against the facts of the case being assessed. They require clarification when ambiguous or unaddressed, and may have a significant bearing on insurability any time the Rx is being used.

 

Modafinil

Additional Underwriting Considerations 

  • Controlled substance; significant abuse potential

  • Use in depression consistent with WORST CASE risk

  • Use in bipolar depression suggests other therapies have failed

  • Use in sleep apnea suggests noncompliance with CPAP therapy

  • May induce irritability and aggression

  • May induce suicidal ideation

  • RED FLAG: Daily dose > 200 mg

  • RED FLAG: Inpatient use for any reason

  • RED FLAG: Uncertainty regarding reason for use

  • RED FLAG: Use in any psychiatric disorder

  • RED FLAG: History of any type of substance abuse/dependency

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