Getting burial insurance if you need help with transferring shouldn’t give you a headache! Here’s the good news…finding final expense insurance if you need help with transferring isn’t difficult as it seems.
Burial insurance is available even if you need help with transferring and other activities of daily living such as eating, bathing, dressing, toileting, and continence.
What’s best? You don’t need to take a medical exam or answer any health questions to qualify.
If you or a loved one needs help with transferring and other ADLs and need to get a life insurance policy to cover your final expenses, you will be surprised that many insurance companies will extend coverage to people needing help with ADLs.
In this article, we will explore how you can find affordable burial insurance if you need help with transferring and any of the activities of daily living.
BURIAL INSURANCE IF YOU NEED HELP WITH TRANSFERRING
Life insurance companies define transferring as the ability to transfer to different surfaces such as chair, bed, wheelchair or toilet. You must also be able to change position from sitting to standing and moving; this also includes getting in and out of a vehicle.
The ability to transfer is basic and critical in activities of daily living. Other ADL’s such as eating, bathing, dressing, toileting, and continence requires transferring into a sitting position before it can be done.
Transferring and other activities of daily living are normally performed independently. People who can do their ADLs have a higher level of independence. As seniors become progressively unable to do these activities, they require more caregiving assistance.
The amount of help required depends on the type of assistance needed. Those who need help with bathing may need help every few days. However, someone who needs help with transferring requires full-time help.
Needing help with transferring and requiring full-time care often means you have a chronic illness like dementia and illness that causes mobility issues which affect mortality. Anything that affects mortality is a big issue with life insurance companies.
Life insurance providers will react in one of two ways when they learn you need help with transferring or you are unable to do any of the ADLs:
- They will automatically decline your application
- They will offer a guaranteed issue burial insurance with no medical exam and health questions.
Guaranteed issue burial insurance has a two-year waiting period. No life insurance provider will offer you immediate coverage during the first two years if you need help in doing the activities of daily living.
WHAT ARE THE ACTIVITIES OF DAILY LIVING (ADL)?
Activities of Daily Living (ADL) are the basic tasks required for self-care and independent living. When people are unable to do these activities independently, they need help from other people or mechanical devices in order to cope.
There are 6 daily living activities used by life insurance companies to measure applicants’ function and independence:
The ability to transfer oneself from different surfaces (bed, chair or wheelchair, toilet) without assistance such as:
- Sitting, rising and moving from couch, chair or bed
- Getting in and out of a vehicle
- Changing position from sitting to standing and repositioning yourself to promote blood circulation and prevent skin sore.
If you need help from another person with any of these transferring activities, you are dependent on assistance with transferring.
The ability to locate the toilet and use it without any help such as:
- Getting on and off the toilet safely
- Taking off and putting undergarments.
- Performing personal hygiene task associated with toileting
- Changing menstrual or incontinence products
- Using and emptying a bedpan or urinal after use
Needing help from another person in completing any of these toileting activities means you are dependent on assistance for toileting.
The ability to put on and take off any article of clothing without struggling with buttons or zippers such as:
- Getting clothes from drawers and closets
- Putting on and taking off fasteners, splints, braces, and artificial limbs.
- Choosing appropriate clothing depending on the weather
- Getting shoes and socks on and taking them off
Needing help from another person to complete these activities means you are dependent on assistance for dressing.
The process of getting food into the body from a food container into the mouth, chewing and swallowing using adaptive utensils such as a spoon or fork such as:
- Eating includes drinking from a cup or glass.
- Cleaning the face and hands after meals.
- When unable to feed yourself from a container, it means you may need to be fed through a feeding tube or intravenously.
If you need help from another person to eat, you are dependent on help with eating.
The ability to clean the whole body using a sponge, shower or tub such as:
- Getting in and out of the shower, shower chair or tub safely
- Turning on and off the faucet
- Adjusting shower heads and changing water temperature as desired
- Reaching different body parts to soap, rinse and dry.
- Washing the hair in a tub, sink or shower
- Bathing also includes performing other grooming activities such as shaving, brushing teeth and hair, cleaning dentures, clipping nails, and make-up application.
If you need help from another person to complete any of these bathing activities, you are dependent on assistance with bathing.
The ability to maintain control of your bladder and bowel function and perform personal hygiene tasks such as:
- Changing of incontinent pads per day for urinary incontinence
- Frequent changes of incontinent pads or underwear for fecal incontinence
- Managing a condom catheter, ostomy or urinary catheter collection bag, including emptying and rinsing the collection bag
If you can’t control your bladder or bowel function and you need help from another person to do the associated personal hygiene tasks, you are dependent on assistance for continence.
HOW DOES NEEDING HELP WITH TRANSFERRING AFFECT LIFE INSURANCE?
Transferring is an important self-care activity that you must do on your own. Measurement of ADLs is essential to life insurance because they are significant predictors of long-term care.
Although people of all ages may have trouble performing the ADLs, it is more prevalent in the elderly and those with an illness that affects mobility.
Needing help from another person for transferring will significantly affect your ability to qualify for the best-priced insurance coverage because the inability to transfer to different surfaces independently is a sign of other health problems such as:
- Alzheimer’s disease
- Amyotrophic lateral sclerosis (ALS)
- Cerebral palsy
- Cystic Fibrosis
- Heart attack
- Multiple Sclerosis
- Muscular dystrophy
- Parkinson’s disease
- Spina bifida
Any of these medical conditions can cause you to be unable to transfer independently. Inability to perform transferring indicates the severity of these illnesses that may cause accidents and premature death.
Applicants needing help with transferring and other activities of daily living are considered high-risk applicants. Therefore, they will need to pay more premiums and have a short waiting period.
INFORMATION WE NEED IF YOU HAVE TROUBLE WITH TRANSFERRING
When applying for burial insurance with a problem with transferring, it’s important to provide us as much information as possible. This will help us get a good understanding of your health and provide you with an accurate quote.
Here are some of the questions we may ask you to help determine the best plan suited for your needs.
- Do you need help with transferring, eating, bathing, dressing, toileting, or continence?
- Are you currently confined or ever been confined to a wheelchair?
- Are you currently bedridden?
- Have you ever require home health care services?
- Are you in a nursing or assisted living facility?
- What other medical conditions do you have?
- What medications do you take?
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.
UNDERWRITING BURIAL INSURANCE IF YOU NEED HELP WITH TRANSFERRING
Every burial insurance company with medical underwriting (health questions) will ask about problems with transferring and your ability to complete activities of daily living in their life insurance application.
You will always find burial insurance companies ask about transferring and ADLs in the following way (or something very close to this):
- Do you currently need assistance with transferring, bathing, eating, toileting, dressing, or are you bedridden?
- Are you currently receiving home health care services, or requires help with activities of daily living such as transferring, eating, bathing, dressing, and continence?
- Do you currently use a wheelchair due to a chronic illness or disease?
- Do you currently receive home health care or, in the last two years, have you received home health care for more than three times?
- Are you scheduled for admission, or currently confined to a nursing facility or assisted living facility?
Other applications won’t directly ask you if you have a problem with transferring, but the other questions will answer it for you. For example, if you need assistance with transferring, you are likely receiving home health care services; you are likely living in an assisted living or nursing home facility.
If you answer “yes” to any of these questions, your application will be automatically declined for traditional life insurance. However, you have another option for coverage called guaranteed issue burial insurance which does not have any health questions.
BURIAL INSURANCE OPTION IF YOU NEED HELP WITH TRANSFERRING OR NEED HELP WITH ADL
If you need help transferring, your best option is to buy a guaranteed issue burial insurance policy. You will qualify for this plan regardless of your transferring problem or needing help with activities of daily living.
GUARANTEED ISSUE BURIAL INSURANCE
A guaranteed issue (GI) whole life insurance policy has no health questions or prescription history assessment of any kind. You don’t even have to take a medical exam or answer health questions to qualify for coverage.
While it may cost a bit more than insurance with medical questions, you won’t have to worry about the possibility of being denied for coverage because of transferring problem or not being able to perform other activities of daily living.
A guaranteed acceptance policy is graded for the first two years of the policy for natural causes of death. However, the policy will pay a full death benefit if you die from an accident during the two-year waiting period.
If you die from illness, the insurance company will pay your beneficiaries all premiums you paid plus 10% interest. After the two-year waiting period, you are fully protected for life. At this point, the insurance provider will pay the full death benefit if you die for any reason.
WHY DO YOU NEED GUARANTEED ISSUE BURIAL INSURANCE IF YOU NEED HELP WITH TRANSFERRING?
We recommend buying guaranteed issue burial insurance if you need help with transferring and other ADLs because it’s the only life insurance plan you will qualify for because of your condition. If you are relatively healthy and only need help with transferring, almost all people easily outlive the two-year waiting period.
Buying a policy now and avoid postponing your application for coverage is not wise as your health may get worse at any moment.
Buying a guaranteed issue burial insurance if you need help with transferring is a great investment you can make. You won’t lose money with this plan because your premiums will be returned plus interest if you die during the waiting period.
BENEFITS OF GUARANTEED ISSUE BURIAL INSURANCE
- Easy to qualify. You are not required to take physicals or a medical exam and answer health questions. You are guaranteed to be approved regardless of your health issues.
- Level premium. Your monthly premium is fixed for life. It will never increase because of your advancing age or worsening health condition.
- Your death benefit will never decrease. Your beneficiaries will receive the 100% face amount on your policy when you pass away after the waiting period.
- Your policy will never expire when you reach 80 years old. Guaranteed acceptance life insurance is whole life insurance that will last your lifetime (all the way up to 121 years old). Your policy will never expire as long as you keep paying the premiums.
- Tax-free. Your death benefit will be paid to your beneficiary when you pass away free of tax. They will not owe any income tax on the death benefit.
- Not cancellable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.
- Cash value accumulation. Guaranteed acceptance life insurance is whole life insurance that accumulates cash value over the years. You can withdraw or borrow against it.
REQUIREMENTS TO QUALIFY FOR GUARANTEED ISSUE BURIAL INSURANCE
Every final expense company has their own age availability, but most guaranteed acceptance burial insurance companies accept applicants who are 50 to 85 years old.
Not every insurance company has their products licensed and available in every state. Make sure the company has guaranteed acceptance life insurance policy available in your state before applying.
ABILITY TO ENTER A LEGAL CONTRACT
You must possess a mental capacity to enter into a legal contract. For example, if you have severe cognitive impairment and you cannot legally consent to an agreement, the company may reject your application.
COMMONLY ADVERTISED GUARANTEED ISSUE BURIAL INSURANCE IN TV AND MAGAZINES YOU SHOULD AVOID:
INCREASING PREMIUM – Many of these life insurance companies offering this plan have premiums that increase every five years. A real guaranteed acceptance whole life insurance has a fixed premium for your entire life.
POLICY TERMINATION AFTER AGE 80 – Some guaranteed issue policies end after you pass 80 years old. Guaranteed acceptance life insurance is a whole life insurance policy that lasts a lifetime (all the way up to 121 years old).
3-YEAR WAITING PERIOD – 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 deceived into agreeing to buy a guaranteed issue life insurance with a 3-year or 4-year waiting period.
THE BEST GUARANTEED ISSUE LIFE INSURANCE POLICY
The best-guaranteed issue whole life insurance policy will not have you wait more than two years to take effect. Some plans have up to three-year waiting periods. It’s totally insane! Avoid these plans at all cost.
Guaranteed issue life insurance has a two-year waiting period only. If you happen to die during the first two years because of natural death, your beneficiaries will get your premiums back plus 10% interest.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy when you need help with transferring needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of needing help with transferring, 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 for 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 help with transferring funeral insurance, or need help with transferring burial insurance, or need help with transferring 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.