Can You Purchase Burial Insurance if You’re on Disability?

If you’re reading this, it’s likely that you’re seeking a burial insurance policy while dealing with a disability. Alternatively, you may be searching for coverage for a loved one who is on disability. We understand that this can be a challenging task. You may have come across conflicting information regarding eligibility while receiving SSDI benefits. However, we have some encouraging news: individuals on disability can indeed obtain burial insurance.

In the past, a disability claim could hinder your access to life insurance. Thankfully, things have changed for the better. Insurance providers have revised their policies and addressed the gap in the market, making burial insurance options more accessible to most people on disability. Furthermore, you may be pleasantly surprised to find that these policies often come at affordable rates.

It’s important to note that while a medical exam is not required for a burial insurance policy, you will need to answer a medical questionnaire. We understand that this might raise concerns for those on SSDI, as medical information is disclosed during this process. However, don’t be discouraged. The specific questions in the questionnaire vary among providers, as each has different acceptance criteria. We can assist you in finding an insurance provider that will accept your health conditions, even while you’re on disability.

When answering health-related questions during the application, you’ll likely find that most insurance providers don’t even inquire about your current disability status. Even if a few do ask about your employment or disability status, it’s generally a non-issue for the majority of companies. Your response is unlikely to significantly affect your eligibility. Additionally, it’s important to remember that different life insurance companies have varying approaches to health conditions. What might disqualify you from one provider may not be an issue for another. That’s why partnering with an insurance agency like Senior Life Services is crucial. We can compare policies from multiple providers and help you secure the coverage you need.

At this point, if you’re on disability and searching for insurance, we hope you’re feeling a sense of relief. Your disability status should not stand as a barrier between you and the coverage you desire. However, there might be situations where your disability status could pose a challenge when seeking burial insurance.

Although your disability status itself doesn’t matter much to potential insurers, they may be interested in the reason behind your disability. Rest assured, your disability status will not prevent you from obtaining burial insurance, but it could influence which provider will accept your application. It’s important to remember that if one company declines your coverage, there are almost certainly others ready to welcome you with open arms.

Let’s take a closer look at some of the leading causes of disability and how insurance providers might consider them during the application process.

Arthritis: If your arthritis affects your ability to perform essential daily tasks such as bathing, dressing, eating, or using the toilet, you may encounter challenges in gaining approval from certain companies. However, if your arthritis limits your ability to work but not your ability to carry out daily tasks, it should not affect your application.

Back Pain: Back pain is a common reason for disability claims. As long as your back pain doesn’t require extensive home health care and you can still perform essential tasks like bathing and getting dressed, it should not interfere with your application process.

Cancer: Having cancer or a recent history of cancer may present some difficulties in qualifying for certain burial insurance policies. However, you can still obtain coverage. The specifics, such as the type of cancer and your current health status, may affect your premium and could require a waiting period, meaning the benefit would be paid after a certain number of monthly payments.

Heart Disease: This term encompasses various heart-related health problems. Most of these conditions should not affect your eligibility for burial insurance. Insurance companies typically don’t consider issues like hypertension, atrial fibrillation, or a previous heart attack as obstacles. The only heart-related condition that poses a greater risk for insurers is congestive heart failure (CHF). Even with a CHF diagnosis, there are a few insurance companies that will accept your application, albeit possibly at a higher cost or with a waiting period attached.

Depression: Depression and other mental health conditions, despite being common causes for disability claims, should not hinder your ability to secure a burial insurance policy. Numerous insurance providers are willing to offer coverage to individuals with mental health issues such as depression, bipolar disorder, and schizophrenia.

Diabetes: Whether your diabetes is severe or accompanied by complications like neuropathy, there are multiple final expense insurance providers who will provide coverage without much difficulty.

Please feel free to reach out to us today so we can help you find the right final expense insurance tailored to your needs. We understand that comparing options among multiple insurance providers can be time-consuming and confusing. We have access to numerous insurance providers and the expertise to guide you through this process. Let us alleviate the burden of finding your perfect policy.

We’d love to have a conversation about your burial insurance needs and your disability status. By comparing your options, we can determine the best coverage available, save you money, and address any other questions you may have along the way.