Burial Insurance for Wheelchair Users

Many wheelchair users may still qualify for burial and life insurance to protect their families in the future.

The type of burial insurance plan you will qualify will depend on your level of reliance on a wheelchair and the reason for wheelchair use.

In this article, we are going to discuss everything wheelchair users will encounter when buying final expense insurance. We will also cover how burial insurance companies respond to wheelchair use and how you can find the best policy.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I’M A WHEELCHAIR USER?

The type of burial insurance you can qualify for will depend on why you use a wheelchair and if you need assistance in activities of daily living such as eating, bathing, dressing, toileting, transferring and continence.


TEMPORARY WHEELCHAIR USE

You use a wheelchair because you have difficulty walking or you are temporarily disabled. If you have a temporary disability, you may benefit from a wheelchair prescription. A person with broken bones may need a temporary wheelchair until injuries have healed.

If your wheelchair usage is temporary, you will qualify for a level death benefit with first-day coverage. You will be 100% covered from the first day and no need to have a waiting period. You can also get the lowest premium.

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


OCCASIONAL WHEELCHAIR USE ( able to walk without help if needed)

You use a wheelchair occasionally even when you can walk because you have difficulty walking. You use a wheelchair for traveling long distances or to move comfortably around while shopping at a local grocery store

Occasional wheelchair users use a wheelchair due to some health conditions. Those who easily get tired and lose energy quickly need a wheelchair to protect themselves.

Occasional wheelchair users can move around the house upright. They can walk independently but use a walker or cane to walk. Sometimes they will use scooters or electric wheelchairs to move independently without pain.

If you occasionally use a wheelchair, but you can still walk independently, you could qualify for a level death benefit. You will be 100% protected from day one and no need to have a waiting period.

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


WHEELCHAIR USE (cannot walk but can independently perform all activities of daily living)

While occasional wheelchair users use a wheelchair for moving longer distances, others who are bound to a wheelchair are generally reliant on them for mobility.

There are many reasons to use a wheelchair. Some people are paralyzed by car accidents. Others may use a wheelchair, not for chronic illness, but because of:

  • A stroke
  • Paralysis
  • Obesity
  • You were born with some physical impairment causing you to need a wheelchair
  • Recovering from surgery

If you are using a wheelchair at home, your best life insurance option is a guaranteed issue burial insurance.


ACTIVITIES OF DAILY LIVING

If you’re a wheelchair user, we need to know if you can do daily living activities independently, needing help from other people will affect your ability to qualify for the best-priced burial insurance plan.

There are six activities of daily living used by insurance companies to determine if you will qualify for a level death benefit. You must be able to perform these ADLs to take care of yourself properly.

  1. Eating – the process of putting food into your body using a plate, cup, feeding tube, or intravenously.
  2. Bathing – washing your body in a shower or bathtub, it also refers to your ability to get in and out of the shower or bathtub safely.
  3. Dressing – taking off and putting an article of clothing on your body. It also includes taking off and putting on fasteners, braces, and artificial limbs.
  4. Toileting – getting on and off the toilet and performing necessary personal hygiene.
  5. Transferring – moving in or out of bed, a chair, or a wheelchair.
  6. Continence – controlling the bladder and bowel functions. Continence includes performing related personal hygiene tasks like caring for a colostomy or catheter bag.


WHEELCHAIR USE  (no chronic illness but need help in ADL)

When it comes to wheelchair use, the significant factor that affects insurance eligibility is the reason why you are in a wheelchair.

If you need help in performing any ADL, your best option is to get a guaranteed issue life insurance policy that is priced well. This is also the life insurance for paraplegics that need help with ADL.

If you fall into this category, you cannot avoid having a waiting period. If you pass away during the waiting period, the company will refund your premiums plus 10% interest.

Best Option: Guaranteed issue burial insurance


WHEELCHAIR USE (with chronic illness with help or no help with ADL)

If you use a wheelchair due to chronic illness or disease such as:

  • Cerebral palsy
  • Alzheimer’s disease
  • Multiple sclerosis
  • Parkinson’s disease
  • Dementia
  • Diabetes complications

You will be ineligible for any coverage that has health questions. In this case, your only path to insurance coverage is through a guaranteed issue burial insurance.

Whether or not you need help with activities of daily living is irrelevant if you use a wheelchair because of a chronic illness.

Best Option: Guaranteed issue burial insurance


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 A WHEELCHAIR USER, 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 wheelchair users.

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’RE A WHEELCHAIR USER

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.

Every final expense company asks about wheelchair usage in their health questionnaire. They all have their unique underwriting guidelines and requirements; some look at wheelchair use more favorably than others.


HEALTH QUESTIONS

Different insurance companies ask about wheelchair use in different ways.

You will see them ask it in various ways including:

  • Do you have any impairment, whether physical or mental, for which you need or receive assistance or supervision in performing normal activities of daily living or moving without any type of physical assistance?
  • Is the proposed insurance currently: hospitalized, confined to a wheelchair, bed, or nursing facility, or receiving hospice care?
  • Do you require a wheelchair due to a chronic illness or disease, or do you require assistance with activities of daily living such as taking medications, bathing, dressing, eating, or toileting?


PRESCRIPTION HISTORY CHECK

Burial insurance companies will also check your medication history to verify you past and current health condition.


HOW MUCH INSURANCE DO I NEED IF I’M A WHEELCHAIR USER

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


WHEELCHAIR USE 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 WHEELCHAIR USER

When applying for final expense insurance for wheelchair user, it is important to provide us much information as possible.

We will ask you a series of health questions to get a better idea of your condition.

These questions may include:

  1. Are you in a wheelchair due to chronic illness?
  2. What is the reason for your wheelchair use?
  3. Are you permanently bound in a wheelchair?
  4. Are you currently on disability?
  5. Do you need help with the activities of daily living?

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR WHEELCHAIR USERS?

Now that you are aware of the different burial insurance options for wheelchair users, the best way to find the best burial insurance plan with the best rate is to employ the help of an independent insurance agency like Funeral Funds. We represent multiple insurance companies.

Instead of having to do the research and calling the companies yourself, let us help you through the process. Working with us is like working with 40 companies all at once. This is the quickest way to find the cheapest burial insurance.

At Funeral Funds, we are experts in finding the best companies based on your wheelchair use. We will help you find the lowest-priced burial insurance you can qualify for.


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 WHEELCHAIR USERS

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

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

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 wheelchair use 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 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 wheelchair use funeral insurance, or wheelchair use burial insurance, or wheelchair use 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 accurate burial insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance For Wheelchair Users Infographic

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