2023 Burial Insurance for Disabled Persons
Buying burial insurance for disabled persons is possible. Even if your insurance application was denied in the past, there are great options for you to get final expense insurance coverage.
Being disabled is not an issue with most burial insurance companies, and most insurance companies don’t ask about being disabled on their health questionnaires unless you need help with Activities of Daily Living (ADL).
In this article, we will examine the different insurance options for disabled persons and how to get the best insurance policy at the lowest price.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I’m a Disabled Person?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I’m Disabled, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting for Disabled Persons
- How Much Insurance Do I Need If I Have a Disability?
- How Should I Pay My Premiums?
- Disabled Persons and Burial Insurance Riders
- Information We Need if You’re a Disabled Person
- How Can People Receiving Social Security Disability Insurance (SSDI) Get Burial Insurance?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance for Disabled Persons
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance For Disabled Person
What Is My Best Insurance Option If I’m A Disabled Person?
While being classified as disabled will not be an issue, the health condition that caused your disability could be.
ARTHRITIS AND OTHER MUSCULOSKELETAL PROBLEMS
According to the CDC, arthritis and other musculoskeletal problems are common causes of long-term disability and account for one-third of all disability cases. This is because muscle and joint problems limit the ability to perform one’s job.
Arthritis is a non-issue with burial insurance companies. You will easily qualify for a level-death benefit plan.
The best feature of a level death benefit is 100% coverage from day one. You will be instantly covered, and your beneficiary will receive a full death benefit when you pass away for any reason.
Best Option: Level death benefit plan with first-day coverage
ACTIVITIES OF DAILY LIVING
The only time that a disability may be an issue is if your arthritis has caused you to need long-term care or you need help with activities of daily living such as eating, bathing, dressing, toileting, transferring, or continence. If this is your case your best option for insurance coverage is a guaranteed issue burial insurance.
Guaranteed issue burial insurance has a graded period for the first two years of the policy for any natural causes of death. The policy will only pay the full death benefit if you die from an accident during the two-year waiting period.
If you die from an illness during the waiting period, the insurance company will only pay your beneficiary all the premiums you paid plus 10% interest. After the two-year waiting period, you are fully covered, and your beneficiary will receive the 100% death benefit if you die for any reason.
Best Option: Guaranteed issue burial insurance
INJURIES CAUSED BY ACCIDENTS
We could be injured anytime due to an accident at home, at work, or anywhere. When those injuries affect your ability to do your job, you have a disability. Accidents account for 10% of all disabilities.
Injuries are not an issue with most burial insurance companies (unless an injury causes mobility problems), and you will likely still qualify for a level death benefit plan.
Best Option: Level death benefit plan with first-day coverage
CHRONIC PAIN
Chronic pain, such as knee or back pain, can cause disability. You can be eligible for immediate coverage if you suffer from chronic pain. However, insurance providers will look into the types of medications you take to treat your pain. Most medications do not affect your life insurance eligibility.
Some insurance companies will not charge a higher premium if you are taking prescription medications like Hydrocodone, Vicodin, Tramadol, or Percocet.
Anti-inflammatory and non-narcotic over-the-counter pain relievers have less severe side effects, making qualifying for a level death benefit plan with first-day coverage easier.
Chronic pain is absolutely a non-issue with burial insurance companies. It will only pose a problem if chronic pain causes you to need home health care or help with daily activities.
Best Option: Level death benefit plan with first-day coverage
HEART DISEASE
Heart disease, including many different heart conditions such as heart attack, arrhythmias, and atrial fibrillation, can cause disability. Most heart diseases are not an issue with most burial insurance companies if it has been two years or longer since the diagnosis and treatment.
Although, some heart disease issues like congestive heart failure are more challenging than others. But, whatever your condition, we can get you an affordable burial insurance plan.
Best Option: Level death benefit plan with first-day coverage
DIABETES
Diabetes and its complications can cause disability, but most final expense insurance companies will accept you.
It will not affect your insurance eligibility if you have diabetic complications like neuropathy, retinopathy, or nephropathy. You can still secure level death benefit coverage regardless of diabetes and its complications.
Best Option: Level death benefit plan with first-day coverage
STROKE
Stroke is another common cause of disability. Stroke can cause temporary or permanent brain damage and affect mental, physical, and emotional functioning. Almost 75% of stroke survivors were significantly affected by their stroke.
People with a stroke often have limited functional mobility in one-half of their body. Depending on the severity, the survivor may need home health care because they need assistance in performing daily living activities. If this is your case, you will only qualify for guaranteed issue burial insurance for coverage.
Best Option: Guaranteed issue burial insurance
CANCER
Most types of cancer can cause disability. This condition can make qualifying for life insurance a challenge. Regardless of what type of cancer you have and when you have it, you can still qualify for coverage.
Most companies don’t even care if you have had cancer and treatment if it was more than 2 years ago.
Best Option: Level death benefit plan with first-day coverage
If your cancer was within the last 2 years, you would only have to pay more premiums and have a waiting period on your policy.
Best Option: Guaranteed issue burial insurance
NERVOUS SYSTEM DISORDERS
Multiple sclerosis, Parkinson’s, ALS, Alzheimer’s, epilepsy, and other conditions that affect the nerves and brain are leading causes of disability in adults. Nervous system disorders affect people for the rest of their lives.
You can still qualify for life insurance coverage if you have any of these conditions. However, in severe cases that may cause the patient to require home health care or help with activities of daily living will need to apply for guaranteed burial insurance to obtain insurance coverage.
Best Option: Guaranteed issue burial insurance
MENTAL HEALTH CONDITIONS
Different mental health conditions, such as depression, anxiety, bipolar disorder, schizophrenia, or post-traumatic stress disorder can cause disability.
Many life insurance companies will still accept your application if you have a mental health condition that caused you to have a disability.
Best Option: Level death benefit plan with first-day coverage
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 Disabled, 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 disabled persons.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; 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 For Disabled Persons
Underwriting is the process used by life insurance companies to determine your level of risk. They want to see your overall health and the cause of your disability. They will approve your application if your disability doesn’t increase the likelihood of dying early.
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.
To get the lowest premium and immediate coverage, you need to apply for burial insurance that has underwriting. Having underwriting means you need to answer a few health questions.
The insurance companies will assess each applicant individually. If you have a minor form of disability but you are generally healthy, you may be able to qualify for level death benefit with immediate coverage. How the life insurance companies will look at your disability will all come down to your overall health.
For example, you lost a limb, but you have been fitted with a prosthetic leg, and you are now fully functional and able to walk. The insurance company will approve your application regardless of your disability. On the other hand, if you lost a leg due to diabetic amputation, you may find it a little difficult to get first-day coverage, and you will have a waiting period.
Every life insurance provider has its unique underwriting guidelines. They are all different and may accept or decline applicants based on various health conditions and lifestyles.
How Much Insurance Do I Need If I Have A Disability?
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.
Disabled Persons 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 Disabled Person
Before you apply for burial insurance, you must understand all the questions a life insurance underwriter may ask.
Here are some of the questions we’ll ask you before you apply for burial insurance:
- How long have you been disabled?
- What is the cause of your disability?
- What symptoms are you currently suffering as a result of your disability?
- Are you receiving disability benefits?
- What medical conditions do you have?
- Are you confined in a bed or a wheelchair?
- Do you need assistance in doing activities of daily living such as eating, bathing, transferring, and continence?
- Do you need home health care, or are you in a nursing facility?
Your answers will help us determine which burial insurance company would best fit your needs and offer the best rates.
How Can People Receiving Social Security Disability Insurance (Ssdi) Get Burial Insurance?
Social security disability income means you are receiving benefits because you have a long-term and debilitating disability that affects your everyday life. If the cause of your disability is not life-threatening and you are generally healthy, you will qualify for burial insurance coverage.
Even if your disability causes mobility problems and you need help with activities of daily living, you will still qualify for guaranteed issue burial insurance.
Veterans with Disability
Many disabled veterans that collect VA disability benefits still have a job or a business. If you’re a disabled veteran that doesn’t receive social security disability income, you have a better chance of getting approved for life insurance for disabled veterans. Most of the time, you can expect to pay the same premium as people who are not on disability.
Being disabled is a non-issue with most burial insurance companies. They will not care about your disability or if you are receiving disability income. We work with companies that don’t ask if you are working, retired or disabled.
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 if 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 Disabled Persons
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan for disabled persons
- Cremation insurance plan for disabled persons
- Funeral home insurance plan for disabled persons
- Final Expense insurance plan for disabled persons
- Prepaid funeral plan insurance for disabled persons
- Mortgage payment protection plan for disabled persons
- Mortgage payoff life insurance plan for disabled persons
- Deceased spouse’s income replacement plan for disabled persons
- Legacy insurance gift plan to family or loved ones for disabled persons
- Medical or doctor bill life insurance plan for disabled persons
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?
Finding life insurance for the disabled needn’t be frustrating; 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 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 disabled funeral insurance, or disabled burial insurance, or disabled 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.
Additional Questions & Answers On Burial Insurance For Disabled Person
Can I get life insurance if I am disabled?
Yes, you can get life insurance if you are disabled. Several insurance companies offer life insurance for disabled people.
Can you get life insurance while on disability?
Yes, you can get life insurance while on disability. You will need to provide some information about your disability, but you should be able to find a policy that meets your needs.
What is the cost of burial insurance for a disabled person?
The cost of burial insurance for a disabled person will vary depending on several factors, including the insurance company you choose, your age, and your health. However, you should be able to find a policy that meets your needs and budget.
Is there a waiting period for burial insurance for a disabled person?
The only time a disabled person will have a two-year waiting period for burial insurance is when they cannot perform activities of daily living on their own.
What are the benefits of burial insurance for a disabled person?
Burial insurance for a disabled person can provide peace of mind knowing that your loved ones will not have to bear the burden of your funeral costs. It can also help to ensure that your final wishes are carried out.
Are there any life insurance options for people who are permanently disabled?
Yes, there are life insurance options for people who are permanently disabled. You will need to provide some information about your disability, but you should be able to find a policy that meets your needs.
What is the difference between life insurance and disability insurance?
Life insurance pays out a death benefit to your beneficiaries in the event of your death. Disability insurance pays a monthly benefit if you cannot work due to a disability.
Can I get life insurance if I am receiving disability benefits?
Yes, you can get life insurance if you are receiving disability benefits. Several insurance companies offer life insurance for disabled people. You will need to provide some information about your disability, but you should be able to find a policy that meets your needs.
If I am disabled, can my spouse get life insurance for me?
Yes, your spouse can get life insurance on you if you are disabled. You will need to provide some information about your disability, but you should be able to find a life insurance policy for your needs.
What happens when a disabled person dies?
If a disabled person dies, their life insurance policy will pay out a death benefit to their beneficiaries. This can help to cover funeral costs and other expenses.
Why life and disability insurance is needed?
Life insurance is needed in case of death so that loved ones are not burdened with funeral costs. Disability insurance is needed in case of a disability that prevents you from working to continue supporting yourself and your family.
When should I get life insurance if I’m a disabled person?
If you are a disabled person, you should get life insurance as soon as possible. This will ensure that your loved ones are cared for during your death.
How much life insurance do I need if I’m a disabled person?
The amount of life insurance you need will depend on some factors, including your age, health, and family size. You should speak to an insurance agent to determine your needed coverage.
Is it hard to get life insurance if you are a disabled person?
No, it is not hard to get life insurance if you are disabled. Many insurance companies offer life insurance for disabled people. You will need to provide some information about your disability, but you should be able to find a policy that meets your needs.
How can I get the best rate on life insurance if I’m a disabled person?
You can get the best rate on life insurance if you are a disabled person by working with an insurance agent who can price shop and compare rates from different insurance companies for you.
Are life insurance and disability insurance the same?
No, life insurance and disability insurance are not the same. Life insurance pays out a death benefit to your beneficiaries in the event of your death. Disability insurance pays a monthly benefit if you cannot work due to a disability.
What conditions qualify for disability?
There are a number of conditions that can qualify for disability, including physical and mental impairments.
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. You will need to provide some information about your disability, but you should be able to find a policy that meets your needs.
Can I get life insurance if I am receiving social security?
Yes, you can get life insurance if you are receiving social security. Several insurance companies offer life insurance for people who are receiving social security.
What is a disability income rider?
A disability income rider is an addition to a life insurance policy that provides a monthly benefit if the policyholder becomes disabled and cannot work.
How much does a typical disability income rider cost?
The cost of a disability income rider will vary depending on the insurance company, the policyholder’s age, health, and occupation.
What is the waiting period for a disabled person?
The waiting period is the time that must pass before an insurance policy will begin paying out a benefit. Depending on the policy, the waiting period can vary from a few years.
What is the most approved disability?
There is no one most approved disability. Each insurance company has its underwriting guidelines and will approve or deny a claim based on those guidelines.
What is the number one disability in the world?
Each country has its own statistics on the prevalence of different disabilities.
Does burial insurance affect SSI benefits?
No, burial insurance does not affect SSI benefits. Burial insurance is a type of life insurance used to pay for funerals and other final expenses.
Can I get life insurance if I am on SSI?
Yes, you can get life insurance if you are on SSI. Several insurance companies offer life insurance for people who are on SSI. You will need to provide some information about your income and assets to qualify for the ideal plan for your situation.
What happens to life insurance when you go on disability?
When you go on disability, your life insurance policy will still be in effect. You will continue to pay the premiums, and the death benefit will still be paid out to your beneficiaries in the event of your death.
Does life insurance affect Social Security disability benefits?
No, life insurance does not affect Social Security disability benefits. Life insurance is a separate benefit you can receive even if you receive Social Security disability benefits.
Why life and disability insurance is needed?
There are several reasons why life and disability insurance is needed. First, life insurance can provide financial security for your family during your death. If you have a life insurance policy, your family will receive a death benefit that can be used to cover expenses like funeral costs, outstanding debts, or everyday living expenses. Second,
Is it hard to get approved for life insurance for a disabled person?
No, getting approved for life insurance for a disabled person is not hard. Many good insurance companies offer life insurance for people who are disabled.
What is the best burial insurance for a disabled person?
There is no one best burial insurance for a disabled person. Each person’s needs will vary depending on their health and budget.
What happens when a person on disability dies?
When a person on disability dies, their life insurance policy will pay out a death benefit to their beneficiaries. The death benefit can cover expenses like funeral costs, outstanding debts, or everyday living expenses.
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2 Comments
Padma Karra
My 25 yr old son who is currently in a group home in NJ is on SSDI & Medicaid. We came to know about "burial insurance"
Funeral Funds
Padma – Your son would not make this insurance a great alternative given his needs in the group home.