If you’ve spent time researching if you can get burial insurance if you need help with ADL (Activities of Daily Living), you’ve come to the right place! You may have encountered the acronym ADL because it’s a term that’s commonly used in life insurance.
Almost every final expense or burial insurance company will ask about ADL’s in their life insurance application.
There are six activities of daily living (ADL) used by life insurance companies to determine if you will qualify for coverage.
You must be able to perform these activities without assistance to be eligible for most burial or life insurance products (except guaranteed issue life insurance). Most burial insurance companies will flat out decline anyone who needs help with their daily activities. However, we have companies that will accept you even if you need help with ADL.
In this article, we will discuss how you can find insurance coverage when you need help with activities of daily living.
CAN YOU QUALIFY FOR LIFE INSURANCE IF YOU NEED HELP WITH ADL (ACTIVITIES OF DAILY LIVING)?
YES! There are still life insurance options for you if you need help with activities of daily living. We have companies that will accept you regardless of your medical or health problems.
There are certain types of life insurance policies that guarantee approval. The guaranteed issue burial insurance does not require you to answer any underwriting questions, and your health is not taken into account to qualify.
It’s important to work with an independent life insurance agency if you’re interested in getting life insurance – even when you think there are no options, we can help you to get insured.
If you or a loved one currently needs help with activities of daily living and need to get life insurance coverage, keep on reading. This article will help you do a bit of research before buying your policy.
WHAT ARE THE ACTIVITIES OF DAILY LIVING (ADL)?
There are six activities of daily living used by life insurance companies to assess the applicants’ function and independence.
EATING – The process of getting food into your body from a container such as a plate or a cup, including the use of utensils. Cleaning the face and hands following the meals. If you require assistance from another person to eat, you are dependent on them to eat.
BATHING – The ability to clean the body using a sponge, tub or shower, including getting a basin of water and managing faucets. It also includes getting in out of the shower, shower chair or bathtub safely. Reaching different body parts to soap, rinse and dry. Performing other grooming activities like shaving and brushing teeth. If you need help from another person to complete any of these activities means you are dependent on bathing.
DRESSING – The ability to put on and take off any article of clothing. It also includes your ability to put on and take off fasteners, braces, splints, and artificial limbs. Getting dressed by yourself without struggling with buttons or zippers. Needing help from another person to complete any of these activities means you are dependent for dressing.
TOILETING – Going to the bathroom without help, including getting on and off the toilet. Taking off and putting undergarments, and performing associated personal hygiene. Using and emptying a bedpan and urinal after use. Needing help from another person in completing any of these activities means you are dependent for toileting.
TRANSFERRING – Getting in or out of bed, chair or wheelchair without assistance. Standing or repositioning yourself to promote blood circulation and prevent skin breakdown. If you require assistance from another person with any of these activities, you are dependent on transferring.
CONTINENCE – Maintaining control of bladder and bowel function. Performing personal hygiene tasks including caring for a catheter or colostomy bag and applying diapers or disposable barrier pads. If you cannot control bladder or bowel function and you need help from another person to do the associated personal hygiene task, you are dependent on continence.
Needing help from another person in performing daily living activities generally reflect problems with physical or cognitive health.
INSTRUMENTAL ACTIVITIES OF DAILY LIVING (IADLs)
Aside from ADL’s, there are other tasks are necessary to gauge if an applicant can live independently. These are not necessarily required on a daily basis but can determine one’s level of functionality.
Here are the instrumental activities of daily living:
- Taking medicine – taking the right amount of meds as scheduled without prompting or direction.
- Food preparation – being able to plan, prepare, cook, and serve food for snacks or meals without needing help.
- Housework and chores – performing light to heavy chores like washing the dishes, making the bed, or cleaning floors without assistance.
- Using the telephone – Answering a call, finding telephone numbers before calling, and using the telephone independently.
- Shopping – Purchasing food, toiletries and other things without assistance.
- Traveling (locally or abroad) – Managing personal travel on your own or using public transportation without help from anyone.
- Managing finances – Handling your finances with little to no help. Keeping track of daily income and purchases. Paying bills on time.
The inability to perform instrumental activities of daily living will indicate to the insurance company that the applicant has declining physical or mental health.
Needing help with instrumental activities of daily living (IADL) may also affect insurance eligibility and the rates you will pay.
WHAT INFORMATION WE NEED IF YOU NEED HELP WITH ADL’s
When applying for burial or final expense insurance, it is important to share if you need help with activities of daily living. This information will help up us determine what plan is best for you and provide you with an accurate quote.
- Do you need help with eating, bathing, dressing, toileting, transferring or continence?
- Are you currently confined or ever been confined to a wheelchair?
- Are you currently confined to a bed?
- Do you require home health care?
- Are you in an assisted living facility?
If you want affordable burial insurance if you need help with ADL (activities of daily living) answer each question honestly and give any other details you think are important.
UNDERWRITING BURIAL INSURANCE IF YOU NEED HELP WITH ADL
Every burial insurance company with medical underwriting (they ask health questions) will ask about ADL’s in their life insurance application.
Common life insurance questions about ADL:
- Is the Proposed Insured currently receiving home health care, or requires help with activities of daily living (ADL) such as eating, dressing, toileting or transferring?
- Are you bedridden? Do you help with bathing, transferring, eating, toileting, or dressing?
- Are you scheduled for admission, or currently living in a nursing home or assisted living facility?
- Do you need home health care or, during the previous 24 months, have you received home health care for three or more separate periods of time?
- Are you wheelchair-bound due to a chronic illness, or do you need help with activities of daily living such as bathing, dressing, eating or toileting?
If you answer “yes” to any of these questions, your application will be automatically declined for traditional life insurance. However, you got other options for coverage, and that is by getting a guaranteed acceptance burial insurance that does not have any health questions.
HOW DOES NEEDING HELP WITH ADL AFFECT LIFE INSURANCE?
Needing assistance from somebody else to perform activities of daily living will significantly affect your ability to qualify for the best-priced burial insurance policy.
Problems in doing activities of daily living arise for many reasons and are closely linked to other health problems such as:
- Alzheimer’s disease
- Amyotrophic lateral sclerosis (ALS)
- Cerebral palsy
- Cystic Fibrosis
- Heart attack
- Kidney failure
- Multiple Sclerosis
- Muscular dystrophy
- Parkinson’s disease
- Spina bifida
Almost any of these medical conditions when serious enough will stop you from performing one or more of the ADL’s. In some cases, the inability to do activities of everyday life may be due more to forgetting to perform a task or how to complete it correctly rather than doing the task physically.
The number of ADL’s applicant needs help with is a determining factor whether an insurance provider will decide to decline the application. Needing help with a single ADL is an automatic decline for most traditional life insurance, and the only plan you will qualify for is guaranteed issue burial insurance.
Problems with activities of daily living and instrumental activities of daily living reflect problems with physical and mental health. Functional difficulties mean health problems that may cause premature death.
Any conditions that may cause premature death are considered high risk by life insurance companies.
BURIAL INSURANCE OPTION IF YOU NEED HELP WITH ADL (Activities of Daily Living)
While it may be difficult to get your application approved for many types of insurance when you need help with ADL, you can still qualify for guaranteed issue burial insurance.
GUARANTEED ISSUE BURIAL INSURANCE
Guaranteed issue policies do not require you to take a medical exam or pass any underwriting questions. The insurance company will accept your application without asking for any details about your health.
They do not ask any health questions, and they do not check your medical or prescription history. You could have a terminal illness, and it simply will not matter.
While it cost a bit more than insurance with underwriting, you will not have to worry about the possibility of being denied coverage because of not being able to perform the activities of daily living.
Guaranteed issue life insurance has a death benefit limitation for a natural cause of death during the first two years of the policy. After the two years waiting period, you are fully protected for life. At this point, the insurance company will pay 100% of the death benefit if you pass away for any reason.
REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE
Every final expense company has their own age availability, but most guaranteed issue life insurance companies accept applicants who are 50 to 85 year old.
Not every insurance company have their products licensed in every state. Make sure the company has guaranteed acceptance life insurance policy available in your state.
ABILITY TO ENTER A LEGAL CONTRACT
You must have the mental capacity to enter into a legal contract. For example, if you have Alzheimer’s disease or dementia and you are not able to legally consent to an agreement, the company may reject your application.
BENEFITS OF GUARANTEED ISSUE LIFE INSURANCE
EASY TO QUALIFY
Very simple application process. When you apply for guaranteed issue life insurance, you will only need to supply your personal information, payment and beneficiary information.
If you look at the application, you will not see any health-related questions on it. The company will never check your medical history, your prescription history, or pull your medical records.
You will easily qualify for this policy because all you need is the ability to sign your name on the application. You can sign over the phone or through your computer. We will send it to the insurance provider, and in a few minutes it will be approved, it’s easy!
One of the great benefits of a guaranteed issue policy is that your monthly insurance premium is fixed. Your monthly insurance bill will never increase and your premium will be locked in at your current age and never change for the rest of your life. As long as you pay your premium on the time it will never increase for any reason.
Some people complain about their life insurance canceling because of advancing age or worsening health conditions. Guaranteed issue burial insurance will never cancel because of age or declining health conditions (as long as you pay your premiums on time).
YOUR DEATH BENEFIT WILL NEVER DECREASE
Your death benefit is fixed, and it is guaranteed to never decrease for any reason. Your beneficiaries will receive a 100% death benefit when you pass away after the two-year waiting period.
CASH VALUE ACCUMULATION
Guaranteed issue burial insurance is whole life insurance that accumulates cash value over the years. This cash value can be used to pay your premiums, or you can borrow against it to be used for whatever purpose you want.
Features that you should AVOID in many commonly advertised Guaranteed Issue burial insurance in TV and magazines:
Increasing premium – Many of these life insurance companies require premium increase every five years. A real guaranteed acceptance burial insurance has a fixed premium throughout the life of the policy.
Policy termination at age 80 – Some policies end when you reach 80 years old. Guaranteed acceptance life insurance is a whole life insurance policy that lasts a lifetime.
3-year waiting period – Avoid these plans at all cost. The best-guaranteed issue life insurance has only a two-year waiting period. It is essential to work with an independent life insurance agency that will prevent you from being con into agreeing to buy a guaranteed issue life insurance with a 3-year waiting period.
WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU NEED HELP WITH ADL’s
We recommend buying guaranteed issue burial insurance if you need help with activities of daily living because it’s the only life insurance you will qualify for. If you are relatively healthy and need help with ADL’s, you can have an average life expectancy and easily outlive the two-year waiting period.
Postponing your application for coverage is not a wise decision, Your health may get worse at any moment, and you could develop other health conditions such as diabetes or high blood pressure.
A guaranteed acceptance policy may be a little expensive than plans with underwriting, but your approval is guaranteed. Buying a guaranteed issue burial insurance if you need help with ADL is worth it, you won’t lose money with this plan, and it cost much less than having no insurance coverage at all.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy if you need help with ADL’s needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you need help with ADL’s let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will 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 ADL funeral insurance, or ADL burial insurance, or ADL 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 an accurate quote.