You may think getting burial insurance for wheelchair users is not easy (especially if you’ve been declined in the past). However, many wheelchair users may still qualify for burial and life insurance to protect their families in the future.
If you are searching for burial insurance for wheelchair users, you should be aware that most burial insurance companies ask about wheelchair usage in their applications. If you suffer from a disability, chronic pain or you have a debilitating illness; it is possible that you may find yourself in need of wheelchair assistance.
Over the years, we have help clients who are wheelchair-bound get approved for affordable burial insurance, and we will show you how you can do the same.
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:
CAN I BE ELIGIBLE FOR BURIAL INSURANCE IF I USE A WHEELCHAIR?
The answer is YES. You can be eligible for burial insurance as long as your age meets the insurance company’s requirements. You will qualify for some type of burial insurance even if you use a wheelchair.
If wheelchair use is temporary, you can easily qualify for level death benefit with some companies. This means you would be fully covered from day one, and you will pay the lowest rates.
On the other hand, if you use a wheelchair due to chronic illness or diabetic amputation, you will need to pay more and have to endure a waiting period. 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.
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.
And, here’s the good news.
Burial insurance policies do not require any medical exams, a test of fluid collection. The only thing you need to do is answer some health-related questions on the application.
WHAT WE WILL NEED TO KNOW ABOUT YOUR WHEELCHAIR USE
When applying for burial insurance coverage while using a wheelchair, it is crucial that you provide as much information as possible. This will help us understand your condition better, and it will also allow us to give you an accurate quote.
We will ask you a series of health questions to get a better idea of what type of burial insurance you will qualify for.
These questions may include:
- Are you in a wheelchair due to chronic illness?
- What is the reason for your wheelchair use?
- Are you permanently bound in a wheelchair?
- Are you currently on disability?
- Do you need help with the activities of daily living?
If you are a wheelchair user, we can help you purchase affordable burial insurance.
UNDERWRITING BURIAL INSURANCE FOR WHEELCHAIR USERS
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.
Different insurance companies ask about wheelchair use in different ways.
You will see them ask it in various ways including:
- Are you currently confined to a wheelchair?
- In the last 12 months, have you been wheelchair-bound?
- Are you currently confined to a wheelchair due to chronic illness?
- You may see them ask about it in different ways, but these are the most common.
POLICY OPTIONS FOR WHEELCHAIR USERS
TEMPORARY WHEELCHAIR USE
You can use a wheelchair if 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.
Policy Option: If your wheelchair usage is temporary, you will qualify for a level death benefit. You will be 100% covered from the first day and no need to have a waiting period.
OCCASIONAL WHEELCHAIR USE ( able to walk without help if needed)
Some people use a wheelchair occasionally even when they can walk because they have difficulty walking. They use a wheelchair for traveling longer distances. Most of them use a wheelchair 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.
Policy Option: 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.
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
- You were born with some physical impairment causing you to need a wheelchair
- You had surgery and recovering from it
Qualifying for burial insurance depends on your ability to do activities of daily living on your own.
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.
ACTIVITIES OF DAILY LIVING
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 ADL to take care of yourself properly.
- Eating – the process of putting food into your body using a plate, cup, feeding tube or intravenously.
- 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.
- Dressing – taking off and putting an article of clothing to your body. It also includes taking off and putting on fasteners, braces, and artificial limbs.
- Toileting – getting on and off the toilet and performing necessary personal hygiene.
- Transferring – moving in or out of bed, a chair or a wheelchair.
- Continence – controlling the bladder and bowel functions. Continence includes performing related personal hygiene tasks like caring for a colostomy or catheter bag.
Policy Option: If you are wheelchair-bound but you can still perform activities of daily living on your own, burial insurance companies will not hold your wheelchair use against you. You can qualify for level death benefit plan and pay the same amount as a healthy individual. You will not have a waiting period on your plan.
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 are wheelchair-bound but not from chronic illness, most burial insurance companies are accepting of wheelchair use provided you can do all the activities of daily living on your own.
Policy option: 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. It’s only about 15 to 30% more expensive than a policy with health questions. It also has a graded clause for a natural death. You have to live for two years before your policy will pay the full death benefits.
If you fall into this category, you cannot avoid paying more and having a waiting period. If you pass away during the waiting period, the company will refund your premiums plus 10% interest. You will not lose money with this plan because no savings account will ever earn you 10% interest.
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
- Diabetes complications
You are totally ineligible for any coverage that has health questions. In this case, your only path to insurance coverage is through a guaranteed issue burial insurance.
Policy Option: Guaranteed issue policy is your only option if you are wheelchair-bound due to chronic illness or disease. No burial insurance company will issue you a policy that does not have a waiting period. You also need to pay a higher monthly premium.
Whether or not you need help with activities of daily living is irrelevant if you use a wheelchair because of a chronic illness.
BURIAL INSURANCE FOR WHEELCHAIR USERS
Types of burial insurance for wheelchair users:
LEVEL DEATH BENEFIT
Level death benefit or immediate coverage will be offered to you if your answer to health questions fit the underwriting guidelines of the burial insurance company you are applying or.
If you use a wheelchair temporarily, you have no chronic illness, and you don’t need assistance in performing activities of daily living you will qualify for a level death benefit. Level death benefit is the best whole life insurance for disabled or life insurance for physically handicapped.
Benefits of Level death benefit:
- No medical exam. You can quickly get a policy by answering some health questions.
- You can get coverage in days compared to months with traditional life insurance.
- The full death benefit is available immediately upon policy issuance. If you pass away a day after your policy is in force, your beneficiaries will receive the full death benefit.
- Less expensive than a guaranteed issue life insurance policy.
GUARANTEED ISSUE LIFE INSURANCE
This is a whole life insurance policy that is not going to require you to take a medical exam or answer any health question in order to qualify. If you are a U.S. citizen and you are between the ages of 50 to 85, you can be eligible for a guaranteed issue life insurance policy.
Your premium is fixed with the guaranteed issue life insurance. It will never go up due to increasing age or worsening health conditions. Your policy will last for life, and it cannot be canceled by the insurance company as long as you pay your premiums on time.
If you are wheelchair-bound because of chronic illness and you need help with the activities of daily living, guaranteed issue life insurance is your only way to get life insurance coverage.
Guaranteed issue life insurance does have some drawbacks. Let’s take a look at those drawbacks to understand this policy better before you purchase it.
#1. Guaranteed issue life insurance contains a graded death benefit clause that has a two to three- year waiting period. This clause protects the insurance companies from insuring people on their death beds. You need to live for two years before you get 100% coverage for the natural cause of death. The guaranteed issue will only pay full death benefits during the waiting period on the accidental cause of death.
#2. Guaranteed issue life insurance can only provide up to a maximum of $25,000 in coverage. This policy is designed to cover funeral and burial expenses. So, if your insurance need is more than this amount you will need to get two or more plans from different carriers.
#3. This policy is more expensive than a traditional term or whole life policies. You pay more for the additional risk the life insurance carrier takes for insuring you regardless of your wheelchair usage. If you cannot qualify for level death benefit because you are confined to a wheelchair, this is your only option.
FINDING AFFORDABLE BURIAL INSURANCE FOR WHEELCHAIR USERS
Wheelchair use by itself is not an uninsurable condition. Wheelchair users can obtain level death benefit coverage if they do not have a chronic illness and they don’t need help with the activities of daily living.
If you have a chronic illness and you need assistance with ADL, the chances of the level death benefit are a big fat zero. Your only chance for coverage is to get a guaranteed issue life insurance.
Now that you are aware of the different burial insurance options for wheelchair users, the best way to find the best burial insurance plan is to employ the help of an independent insurance agency like Funeral Funds. We help people in wheelchair obtain affordable burial insurance.
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.
If you have a health history of wheelchair use, 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 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 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 an accurate burial insurance quotes.