2024 Burial Insurance for Wheelchair Users
last updated on July 22, 2024Many wheelchair users may still qualify for burial and life insurance to protect their families in the future.
The type of burial insurance plan you will qualify for will depend on your level of reliance on a wheelchair and the reason for wheelchair use.
In this article, we are going to discuss everything wheelchair users will encounter when buying final expense insurance. We will also cover how burial insurance companies respond to wheelchair use and how you can find the best policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I’m a Wheelchair User?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I’m a Wheelchair User, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You’re a Wheelchair User
- How Much Insurance Do I Need If I’m a Wheelchair User?
- How Should I Pay My Premiums?
- Wheelchair Use and Burial Insurance Riders
- Information We Need if You’re a Wheelchair User
- How to Get the Best Burial Insurance Rates for Wheelchair Users?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance for Wheelchair User
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance For Wheelchair Users
What Is My Best Insurance Option If I’m A Wheelchair User?
The type of burial insurance you can qualify for will depend on why you use a wheelchair and if you need assistance in activities of daily living such as eating, bathing, dressing, toileting, transferring, and continence.
TEMPORARY WHEELCHAIR USE
You use a wheelchair because you have difficulty walking or you are temporarily disabled. If you have a temporary disability, you may benefit from a wheelchair prescription. A person with broken bones may need a temporary wheelchair until injuries have healed.
If your wheelchair usage is temporary, you will qualify for a level death benefit with first-day coverage. You will be 100% covered from the first day, and no need to have a waiting period. You can also get the lowest premium.
Best Option: Level death benefit plan with first-day coverage
OCCASIONAL WHEELCHAIR USE ( able to walk without help if needed)
You use a wheelchair occasionally even when you can walk because you have difficulty walking. You use a wheelchair for traveling long distances or for moving comfortably around while shopping at a local grocery store
Occasional wheelchair users use a wheelchair due to some health conditions. Those who easily get tired and lose energy quickly need a wheelchair to protect themselves.
Occasional wheelchair users can move around the house upright. They can walk independently but use a walker or cane to walk. Sometimes they will use scooters or electric wheelchairs to move independently without pain.
If you occasionally use a wheelchair but you can still walk independently, you could qualify for a level death benefit. You will be 100% protected from day one, and no need to have a waiting period.
Best Option: Level death benefit plan with first-day coverage
WHEELCHAIR USE (cannot walk but can independently perform all activities of daily living)
While occasional wheelchair users use a wheelchair for moving longer distances, others who are bound to a wheelchair generally rely on them for mobility.
There are many reasons to use a wheelchair. Some people are paralyzed by car accidents. Others may use a wheelchair, not for chronic illness but because of:
- A stroke
- Paralysis
- Obesity
- You were born with some physical impairment causing you to need a wheelchair
- Recovering from surgery
If you are using a wheelchair at home, your best life insurance option is guaranteed issue burial insurance.
If you’re a wheelchair user, we need to know if you can do daily living activities independently, needing help from other people will affect your ability to qualify for the best-priced burial insurance plan.
Insurance companies use six daily living activities to determine if you will qualify for a level death benefit. You must be able to perform these ADLs to take care of yourself properly.
- Eating is putting food into your body using a plate, cup, feeding tube, or intravenously.
- Bathing – washing your body in a shower or bathtub, it also refers to your ability to get in and out of the shower or bathtub safely.
- Dressing – taking off and putting an article of clothing on your body. It also includes taking off and putting on fasteners, braces, and artificial limbs.
- Toileting – getting on and off the toilet and performing necessary personal hygiene.
- Transferring – moving in or out of bed, a chair, or a wheelchair.
- Continence – controlling the bladder and bowel functions. Continence includes performing related personal hygiene tasks like caring for a colostomy or catheter bag.
WHEELCHAIR USE (no chronic illness but need help in ADL)
When it comes to wheelchair use, the significant factor affecting insurance eligibility is why you are in a wheelchair.
If you need help performing any ADL, your best option is to get a guaranteed issue life insurance policy priced well. This is also the life insurance for paraplegics that need help with ADL.
If you fall into this category, you cannot avoid having a waiting period. The company will refund your premiums plus 10% interest if you pass away during the waiting period.
Best Option: Guaranteed issue burial insurance
WHEELCHAIR USE (with chronic illness with help or no help with ADL)
If you use a wheelchair due to chronic illness or disease such as:
- Cerebral palsy
- Alzheimer’s disease
- Multiple sclerosis
- Parkinson’s disease
- Dementia
- Diabetes complications
You will be ineligible for any coverage that has health questions. In this case, your only path to insurance coverage is through a guaranteed issue burial insurance.
Whether or not you need help with activities of daily living is irrelevant if you use a wheelchair because of a chronic illness.
Best Option: Guaranteed issue burial insurance
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I’m A Wheelchair User, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance for wheelchair users.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You’re A Wheelchair User
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
Every final expense company asks about wheelchair usage in their health questionnaire. They all have their unique underwriting guidelines and requirements; some look at wheelchair use more favorably than others.
HEALTH QUESTIONS
Different insurance companies ask about wheelchair use in different ways.
You will see them ask it in various ways, including:
- Do you have any physical or mental impairment for which you need or receive assistance or supervision in performing normal activities of daily living or moving without any type of physical assistance?
- Is the proposed insurance currently: hospitalized, confined to a wheelchair, bed, or nursing facility, or receiving hospice care?
- Do you require a wheelchair due to a chronic illness or disease, or do you require assistance with activities of daily living such as taking medications, bathing, dressing, eating, or toileting?
PRESCRIPTION HISTORY CHECK
Burial insurance companies will also check your medication history to verify your past and current health condition.
How Much Insurance Do I Need If I’m A Wheelchair User
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.
Wheelchair Use And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You’re A Wheelchair User
When applying for final expense insurance for a wheelchair user, it is important to provide as much information as possible.
We will ask you a series of health questions to better understand your condition.
These questions may include:
- Are you in a wheelchair due to chronic illness?
- What is the reason for your wheelchair use?
- Are you permanently bound in a wheelchair?
- Are you currently on disability?
- Do you need help with the activities of daily living?
We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.
How To Get The Best Burial Insurance Rates For Wheelchair Users?
Now that you know the different burial insurance options for wheelchair users, the best way to find the best burial insurance plan with the best rate is to employ the help of an independent insurance agency like Funeral Funds. We represent multiple insurance companies.
Instead of having to do the research and calling the companies yourself, let us help you through the process. Working with us is like working with 40 companies all at once. This is the quickest way to find the cheapest burial insurance.
At Funeral Funds, we are experts in finding the best companies based on your wheelchair use. We will help you find the lowest-priced burial insurance you can qualify for.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance For Wheelchair Users
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan for wheelchair users
- Cremation insurance plan for wheelchair users
- Funeral home insurance plan for wheelchair users
- Final Expense insurance plan for wheelchair users
- Prepaid funeral plan insurance for wheelchair users
- Mortgage payment protection plan for wheelchair users
- Mortgage payoff life insurance plan for wheelchair users
- Deceased spouse’s income replacement plan for wheelchair users
- Legacy insurance gift plan to family or loved ones for wheelchair users
- Medical or doctor bill life insurance plan for wheelchair users
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Trying to find a policy on wheelchair use needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for wheelchair use funeral insurance, wheelchair use burial insurance, or wheelchair use life insurance, we can help.
Fill out our quote form on this page or call us at (888) 862-9456, and we can give you accurate burial insurance quotes.
Additional Questions & Answers On Burial Insurance For Wheelchair Users
Can I get life insurance if I use a wheelchair?
Yes, you can get life insurance if you use a wheelchair. Many types of life insurance policies are available, and each company has different underwriting guidelines. Some companies may require that you have a certain level of mobility in order to qualify for a policy, while others may not have any requirements at all.
Can you get life insurance while on disability?
Yes, you can get life insurance while on disability. Many types of life insurance policies are available for people with disabilities.
Is life insurance for a wheelchair-bound possible?
Yes, it is possible to get life insurance if you are wheelchair-bound. You may even qualify for a first-day coverage plan if your wheelchair use is temporary and you can perform activities of daily living on your own.
Can a person on disability get life insurance?
Yes, a person on disability can get life insurance. Many types of life insurance policies are available for people with disabilities.
Is there a waiting period for burial insurance for wheelchair users?
Yes, there is typically a two-year waiting period for burial insurance for wheelchair users. Wheelchair users who cannot perform activities of daily living on their own may only qualify for a guaranteed issue life insurance with a two-year waiting period.
Can paraplegics get life insurance?
Yes, paraplegics can get life insurance. Many types of life insurance policies are available for people with disabilities.
Are there any life insurance options for people who are permanently disabled?
Yes, there are several life insurance options available for people who are permanently disabled.
What is the difference between life insurance and disability insurance?
Life insurance provides coverage if you die, and your beneficiaries will receive the death benefit. Disability insurance, on the other hand, provides income replacement if you become disabled and cannot work.
Can I get life insurance if I am receiving disability benefits?
Yes, you can get life insurance if you are receiving disability benefits. There are many different types of life insurance policies available for people who are receiving disability benefits.
Why life and disability insurance is needed?
Life insurance is needed to protect your loved ones financially during your death. Disability insurance is needed to provide financial protection for you if you become disabled and cannot work.
When should I get life insurance if I’m a wheelchair user?
If you are a wheelchair user, you should consider getting life insurance as soon as possible. Many types of life insurance policies are available, and each company has different underwriting guidelines.
Is it hard to get life insurance if you are a wheelchair user?
No, it is not hard to get life insurance if you are a wheelchair user, as many different types of life insurance policies are available.
Are life insurance and disability insurance the same?
No, life insurance and disability insurance are not the same. Life insurance provides coverage if you die, and your beneficiaries will receive the death benefit. Disability insurance, on the other hand, provides coverage if you become disabled and cannot work.
What conditions qualify for wheelchair use?
Some conditions that may qualify for wheelchair use include, but are not limited to, paralysis, multiple sclerosis, cerebral palsy, and muscular dystrophy.
Can I get disability insurance if I have an existing life insurance policy?
Yes, you can get disability insurance if you have an existing life insurance policy.
What is the best burial insurance for a wheelchair user?
There is no one “best” burial insurance for a wheelchair user. Many types of life insurance policies are available, and each company has different underwriting guidelines.
Can I get life insurance if I am receiving social security?
Yes, you can get life insurance if you are receiving social security. There are many different types of life insurance policies available for people who are receiving social security.
What is a disability rider on life insurance?
A disability rider on a life insurance policy is an add-on that provides coverage if you become disabled and cannot work.
What is a disability income rider?
A disability income rider is an add-on to a life insurance policy that provides an income if you become disabled and are unable to work.
What is the waiting period for a wheelchair user?
The waiting period for a wheelchair user is the time between when you purchase your policy and when it goes into effect.
What disability does a wheelchair user qualify for?
Some disabilities that a wheelchair user may qualify for include, but are not limited to, paralysis, multiple sclerosis, cerebral palsy, and muscular dystrophy.
Does burial insurance affect SSI benefits?
No, burial insurance does not affect SSI benefits.
Can I get life insurance if I am on SSI?
Yes, you can get life insurance if you are on SSI. There are many different types of life insurance policies available for people who are on SSI.
What is the cost of burial insurance for a wheelchair user?
The cost of burial insurance for a wheelchair user will vary depending on the type of policy you purchase and the company you purchase it from.
What happens to life insurance when you go on disability?
What happens to your life insurance policy when you go on disability will depend on your policy type. Some policies may continue to pay out the death benefit even if you become disabled, while others may only pay out the death benefit if you die.
Do I need to disclose my disability to my life insurance company?
You may need to disclose your disability to your life insurance company. Some companies require that you disclose any disabilities you have to qualify for a policy.
Does life insurance affect Social Security disability benefits?
No, life insurance does not affect Social Security disability benefits.
What is the best life insurance for a wheelchair user?
There is no one “best” life insurance for a wheelchair user. Many types of life insurance policies are available, and each company has different underwriting guidelines.
Why life and disability insurance is needed by wheelchair users?
Life and disability insurance is needed because it provides coverage if you become permanently disabled and are unable to work.
What happens to your life insurance when you go on disability?
What happens to your life insurance policy when you go on disability will depend on your policy type. Some policies may continue to pay out the death benefit even if you become disabled, while others may only pay out the death benefit if you die.
Is it hard to get approved for life insurance for a wheelchair user?
Some life insurance companies may be more willing to approve a policy for a wheelchair user than others. It is important to shop around and compare different life insurance policies before you decide which one is right for you.
What are the chances of a person in a wheelchair getting approved for life insurance?
The chances of a person in a wheelchair getting approved for life insurance are good. Many types of life insurance policies are available, and each company has different underwriting guidelines.
What happens when a wheelchair user dies?
When a wheelchair user dies, the life insurance policy will pay out the death benefit to the beneficiary.
2 Comments
Tex Hooper
I didn't know that wheelchairs could be approved by insurance. I need to get a wheelchair for my 98-year-old grandma. She can't walk anymore.
Funeral Funds
Tex – If grandma can't walk anymore, a wheelchair sounds like a terrific idea for her to provide her with more mobility.