Burial Insurance If You Need Help with Bathing (Problem with an ADLs)

Burial insurance if you need help with bathing or any activities of daily living (eating, bathing, dressing, transferring, and continence) is possible. However, your options are very limited.

IMPORTANT: If you need help with toileting or any ADLs, the only plan you will qualify for is a guaranteed issue burial insurance with a 2-year waiting. You WILL NOT qualify for 1st-day coverage if you need help with ADLs.

Here’s a detailed guide on what you need to expect when applying for burial insurance if you need help with bathing and other ADLs. We will cover everything you need to know about ADLs and how you can find the best burial and final expense insurance policy.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I NEED HELP WITH BATHING?

Life insurance companies define bathing as the ability to clean the body using a sponge, tub, or shower and reaching different parts of the body to soap, rinse and dry. It also includes getting a basin of water and managing faucets.  You must also be able to get in out of the shower, shower chair, or bathtub safely.

To secure a new policy if you need help with bathing, your best option is to buy a guaranteed issue burial insurance policy. You will qualify for this plan regardless of your bathing disability or needing help with activities of daily living.

A guaranteed issue (GI) burial insurance policy has no health questions or prescription history assessment of any kind. You don’t even have to take a medical exam to qualify for coverage.

Best Option: Guaranteed issue burial insurance


WHAT IS GUARANTEED ISSUE LIFE INSURANCE

This coverage has a death limitation for a natural cause of death during the first two years of the policy. The company will pay a full death benefit only if you die from an accident during the two-year waiting period.

If you die from illness, the insurance company will return all the premiums you paid to your beneficiaries plus 10% interest. After the two-year waiting period, you are fully protected for life. At this point, the insurance company will pay the full death benefit to your beneficiaries if you die for any reason.

While it cost a bit more than insurance policies with underwriting, you will not have to worry about the possibility of being denied coverage because of your inability to dress on your own or perform any of the activities of daily living.


WHY DO YOU NEED A GUARANTEED ISSUE BURIAL INSURANCE IF YOU NEED HELP WITH BATHING?

We recommend buying guaranteed issue burial insurance if you need help with bathing and other ADLs because it’s the only life insurance plan you will qualify for because of your condition.

If you are relatively healthy, but you need help with ADL’s, you can still have an average life expectancy and easily outlive the two-year waiting period.

Avoid postponing your application for coverage because your health may get worse at any moment, and you could develop other health conditions such as diabetes or high blood pressure.

Buying a guaranteed issue burial insurance if you need help with bathing is a wise investment as you won’t lose money with this plan because your premiums will be returned plus interest if you die during the waiting period. Buying a guaranteed issue burial insurance policy will cost much less in the long run than having no insurance coverage at all.


REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE

AGE REQUIREMENT

Every final expense company has its own age requirement, but most companies accept applicants who are 50 to 85 years old.


STATE AVAILABILITY

Not every insurance company have their insurance products licensed in every state. Make sure the company has a guaranteed acceptance life insurance policy available in your state before you buy.


ABILITY TO ENTER A LEGAL CONTRACT

You must possess the mental capacity to enter into a legal contract. For example, if you have a severe cognitive impairment like Alzheimer’s disease or dementia and you are not able to legally consent to an agreement, the company may reject your application.


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I NEED HELP WITH BATHING, 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 if you need help with bathing or any ADLs.

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 NEED HELP WITH BATHING

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.


HEALTH QUESTIONS:

Every burial insurance company with medical underwriting (health questions) will ask about bathing disability and your ability to perform activities of daily living in their life insurance application.

You will always find burial insurance companies ask about ADL’s in the following way (or something very close to this):

  • Are you currently receiving home health care, or requires help with activities of daily living such as eating, bathing, dressing, transferring and continence?
  • Do you currently need assistance with bathing, transferring, eating, toileting, dressing, or are you bedridden?
  • Are you scheduled for admission, or currently confined to a nursing facility or assisted living facility?
  • Do you currently receive home health care or, in the last two years, have you received home health care for more than three times?
  • Do you currently use a wheelchair due to a chronic illness or disease?

Other applications won’t directly ask you if you need help with bathing or other ADLs, but the other questions will answer it for you. For example, if you need assistance with bathing, you are likely receiving home health care services; you are likely living in a nursing home or assisted living facility.

If you answer “yes” to any of these questions, your application will be automatically declined for first-day coverage insurance. However, you have another option for coverage called guaranteed issue burial insurance (which does not have any health questions).


HOW DOES NEEDING HELP WITH BATHING AFFECT LIFE INSURANCE?

Having a bathing disability or needing assistance from somebody else to take a bath will significantly affect your ability to qualify for the best-priced burial insurance policy.

Bathing is an important and potentially challenging self-care activity, and needing help with bathing is associated with several health problems such as:

  • Alzheimer’s disease
  • Amyotrophic lateral sclerosis (ALS)
  • Arthritis
  • Cerebral palsy
  • Cystic Fibrosis
  • Dementia
  • Heart attack
  • Injury
  • Kidney failure
  • Multiple Sclerosis
  • Muscular dystrophy
  • Paralysis
  • Parkinson’s disease
  • Spina bifida
  • Stroke

Almost any of these medical conditions can prevent you from taking a bath on your own or perform any other ADLs.

Life insurance providers will react in one of two ways when they learn you have a bathing disability or unable to do ADL’s:

  • They will automatically decline your application
  • They will offer a guaranteed issue burial insurance with a two-year waiting period.

No life insurance carrier will offer you first-day coverage during the first two years if you need help in performing the activities of daily living.


HOW MUCH INSURANCE DO I NEED IF I NEED HELP WITH BATHING?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


NEEDING HELP WITH BATHING 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 other riders 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU NEED HELP WITH BATHING

When applying for burial insurance with a bathing disability, it’s important to provide us as much information as possible. This will help us get a good understanding of your condition and provide you with an accurate quote.

Here are some of the questions we will ask you to determine the best plan suited for your needs.

  1. Do you need help with bathing, eating, dressing, toileting, transferring or continence?
  2. Are you currently confined to a bed?
  3. Are you currently confined or ever been confined to a wheelchair?
  4. Do you require home health care services?
  5. Are you in a nursing or assisted living facility?

We will ask you these questions to accurately assess your current health and burial insurance eligibility. It is important, to be honest when answering these questions.


BENEFITS OF GUARANTEED ISSUE BURIAL INSURANCE

  1. Easy to qualify. You skip the medical exam and health questions. You will be approved regardless of any medical conditions.
  2. Level premium. Your monthly premium is fixed for life. It is guaranteed to never increase because of your advancing age or worsening health condition.
  3. The death benefit will never decrease. Your beneficiary will receive the face amount on your policy when you pass away.
  4. Tax-free. Your death benefit will be paid to your beneficiaries free of tax. They will not owe any income tax on the death benefit.
  5. Your policy will never expire. Guaranteed issue burial insurance is whole life insurance that will last your lifetime. The policy will never end as long as you keep paying the premiums.
  6. Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
  7. Cash value accumulation. Guaranteed acceptance life insurance is whole life insurance that accumulates a cash value that you can withdraw or borrow against.


THE BEST GUARANTEED ISSUE LIFE INSURANCE POLICY

The best-guaranteed issue life insurance policy will not have you wait more than two years to take effect. Some plans have three or even four-year waiting periods. 3-4 year waiting period plans are terrible, and you should avoid these plans.

Two years is the shortest period possible before your coverage is in full force. You don’t have to wait for more than that.

If you need help with bathing, then GI policy is your best choice. Your application will be quick and easy because there are no medical exams or health questions.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE IF YOU NEED HELP WITH BATHING

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan if you need help with bathing
  • Cremation insurance plan if you need help with bathing
  • Funeral home insurance plan if you need help with bathing
  • Final Expense insurance plan if you need help with bathing
  • Prepaid funeral plan insurance if you need help with bathing
  • Mortgage payment protection plan if you need help with bathing
  • Mortgage payoff life insurance plan if you need help with bathing
  • Deceased spouse’s income replacement plan if you need help with bathing
  • Legacy insurance gift plan to family or loved ones if you need help with bathing
  • Medical or doctor bill life insurance plan if you need help with bathing

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 with a bathing disability 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 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 work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search for 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 bathing disability funeral insurance, or bathing disability burial insurance, or bathing disability 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance With A Bathing Disability Infographics

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