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?

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 very 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 as the result of 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. If you suffer from chronic pain, you can be eligible for immediate coverage. 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.

If you are taking prescription medications like Hydrocodone, Vicodin, Tramadol, or Percocet, some insurance companies will not charge a higher premium because of these medications.

Anti-inflammatory and non-narcotic over-the-counter pain relievers have less severe side effects which will make it easier to qualify for a level death benefit plan with first-day coverage.

Chronic pain is absolutely a non-issue with burial insurance companies. It will only pose a problem if chronic pain caused you to need home health care or if you need help with activities of daily living.

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. The majority of 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.

Even if you have diabetic complications like neuropathy, retinopathy, or nephropathy, it will not affect your insurance eligibility. 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 damage to the brain and affects mental, physical, and emotional functioning. Almost 75% of stroke survivors were significantly affected by their stroke.

People who had 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 will 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.

If you have any of these conditions, you can still qualify for life insurance coverage. However, severe cases that may cause the patient to require home health care or need help with activities of daily living will need to apply for a guaranteed issue 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.

If you have a mental health condition that caused you to have a disability, many life insurance companies will still accept your application.

Best Option: Level death benefit plan with first-day coverage


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’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, 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 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. If your disability doesn’t increase the likelihood of dying early, they will approve your application.

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 own unique underwriting guidelines. They are all different, and they may accept or decline applicants based on various health conditions and lifestyles.


HOW MUCH INSURANCE DO I NEED IF I HAVE 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$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


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 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’RE A DISABLED PERSON

Before you apply for burial insurance, it’s important that you 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:

  1. How long have you been disabled?
  2. What is the cause of your disability?
  3. What symptoms are you currently suffering as a result of your disability?
  4. Are you receiving disability benefits?
  5. What medical conditions do you have?
  6. Are you confined in bed or a wheelchair?
  7. Do you need assistance in doing activities of daily living such as eating, bathing, transferring and continence?
  8. Do you need home health care or are you in a nursing facility?

Your answers will help us determine which burial insurance company would be the best fit for your needs and will offer the best rates.


HOW CAN PEOPLE RECEIVING SOCIAL SECURITY DISABILITY INSURANCE (SSDI) GET BURIAL INSURANCE?

Receiving 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 you to have 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 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 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?

Trying to find life insurance for the disabled 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 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 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.

Funeral Insurance, Final Expense Insurance, Burial Insurance For Disabled Persons Infographic

RELATED POSTS:

Call Now ButtonCALL NOW (888) 862-9456