Disabled, Can I Get Life Insurance

Written by Advanced Mutual Group

saving for life insurance or a Medicare SupplementDisabled, can I get burial insurance?  Yes, you can. Different companies have underwriting standards. Your premiums will differ from company to company. But no matter what your disability is you can qualify for a whole life insurance policy. The rates will never increase and your benefits will never decrease. Your policy will build cash value. Hi, my name is Mitch Winstead from Advanced Mutual Group. We are a state-regulated brokerage agency. Our website is  http://www.advancedmutualgroup.com   

Our toll-free number is 866-598-8170. If you would like a quote for life insurance, please call us for a no-obligation quote. Compare us with Colonial Penn and Globe Life Insurance. Also, ask us about the average cost of a funeral. We have been helping people for over 2o years. We are associated with http://www.allstarseniorbenfits.com

Being disabled can be challenging to say the least. This could mean that a person could have back problems, depression, multiple sclerosis, cancer or have an amputation or Chronic Obstructive Pulmonary Disorder. These are just a few things that people have to live with on a daily basis. According to the (CDC), Centers for disease control 26% or 1 in 4 adults are disabled. Everyone is at risk for disability. Disability affects everyone due to medical costs. One of the most common disabilities is walking and climbing stairs. This is followed by cognition or the ability to make decisions.

This is followed by difficulty in being able to do errands. Followed by difficulty in hearing, vision, and self-care. Disability seems to affect adults over 65. 1 in 4 women have a disability. 2 in 5 Non-Hispanic American Indians, Alaskan Natives have a disability. The Mirriam- Webster dictionary definition for disability is a physical, mental, cognitive, or developmental condition that impairs, interferes with, or limits a person’s ability to engage in certain tasks or actions to participate in typical daily activities and interactions.

1. Impairment in a person’s body structure or function, or mental functioning, examples of impairments include a loss of a limb, loss of vision, or memory loss.
2. Activity limitations, such as difficulty hearing, seeing, walking, or problem-solving.
3. Participation restrictions in normal ADL’s (activities of daily living) such as engaging in social and recreational activities, working and obtaining healthcare and preventive services.

A disability can be related to different conditions and can be present at birth and then may affect that person later in life. Some examples are The result of the mother’s exposure during her pregnancy to infections. It can be related to injuries such as a spinal cord injury or a traumatic brain injury. There are associated developmental conditions that can appear during childhood such as autism and ADHD (attention-deficit/ hyperactivity disorder). Some disorders may be related to Down’s Syndrome and Duchenne Muscular Dystrophy. These are just a few. Most of the time these conditions and disorders cannot be placed on the mother. In my humble opinion, it is a matter of circumstance.

Man in wheelchairDisability sometimes is no person’s fault. Accidents happen that can cause a person to be disabled. Disabled does not mean you are not functional. Some people I know are able to handle their disability well. Others not so well. The point I want to make in this article is that no matter what your disability is, you can get whole life insurance.

There are benefits you can get from Social Security.  This is called Social Security Disability Insurance. You have to apply for this program. In order to get any benefits from Social Security, you have to work long enough and paid Social Security taxes. You need 10 years of work history to qualify for Social Security.  When you apply for the program, social security will collect medical and other information to make a decision on whether or not you qualify. In regards to burial insurance, final expense life insurance is available.  There is burial insurance for seniors or seniors funeral insurance.  Burial insurance is the same type of insurance such as final expense.

You can call your local Social Security office at 1-800-772-1213

References
World Health Organization, International Classification of Functioning, Disability, and Health (ICF)
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. Geneva: 2001, WHO.
US Department of Health and Human Services. The Surgeon General’s Call to Action to Improve the Health and Wellness of Persons with Disabilities
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. Washington, DC: US Department of Health and Human Services, Office of the Surgeon General; 2005.

About Advanced Mutual Group
About Advanced Mutual Group

We shop the life insurance market and do all the hard work for individuals across the nation to secure the best life insurance rates.

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