If I Have Autism 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 autism.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple you donât need to provide medical records or blood and urine samples.
Youâll get the official approval from the insurance company often within minutes!
How Can Funeral Funds Help Me
Finding a policy with autism neednât be frustrating working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You donât have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search for 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 autism funeral insurance, or autism burial insurance, or autism life insurance, we can help.
Fill out our quote form on this page or call us at 862-9456, and we can give you an accurate quote.
Burial Insurance Underwriting If You Have Autism
You will have to go through underwriting when applying for final expense insurance with an autism spectrum disorder.
Burial insurance companies have two ways of underwriting:
FIRST â They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND â They will electronically review your prescription history to verify your health.
You will only have to answer a few health questions as a part of the application process.
Some of the common questions you will be asked include:
- Have you ever been diagnosed or treated for autism spectrum disorder?
- Do you have any history of seizures or epilepsy?
- Do you need help performing daily living activities such as eating, bathing, dressing, transferring, and continence?
Depending on the life insurance company you are applying to, there may be many more questions on the application, but those are the more common questions asked of people who are applying for burial insurance with autism.
Insurance companies may ask many questions about your condition because they need loads of information to decide. Be sure to provide all this information to avoid getting denied.
PRESCRIPTION HISTORY CHECK
While there are no specific medications that apply directly to Autism, you could be taking medicines for other mental conditions like anxiety medications, antidepressants, and antipsychotic drugs, including:
WHY DO INSURANCE COMPANIES CARE IF YOU HAVE AUTISM?
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Life Insurance For Neurodiverse Individuals
If youre neurodiverse and looking for life insurance, youve come to the right place.
Its not fun thinking about life insurance , but its essential.
I get it. Its uncomfortable. Life insurance often forces you to think about death, and thats never fun. The thing is, life insurance is so much more than that. Did you know, for instance, that it offers protection in the case of disability?
Is there neurodiverse life insurance?
There is neurodiverse life insurance, Theres life insurance for everyone. You just need to find the right person to talk to. Usually, it will be on a case-to-case basis. No two people, even with the same neurodiverse condition, will qualify for the same rates and benefits.
For instance, neurodiverse life insurance coverage for someone with autism will vary on how severely impacted they are by autism how much their autism affects their life, if there are comorbid conditions, the medications they take, etc.
The same goes for a neurodiverse person with ADHD looking for health insurance.
The insurer may ask you or your child to go through a physical exam, and theyll also study your medical records. And yup, children can, and should, get life insurance, too.
Theres no one-size-fits-all life insurance policy for a neurotypical person or for a neurodiverse person. Each person and each situation is unique.
Where to start if youre neurodiverse and interested in life insurance?
Dont wait. Protect your and your familys future.
Life Insurance And Autism: Buyers Guide
by Natasha Cornelius | Apr 2, 2020
Autism spectrum disorder affects over 3 million individuals in the United States alone. Autism Speaks states that 1 in every 54 American children will be diagnosed with a form of autism.
Statistics show that prevalence rates have increased 10 to 17 percent annually in recent years however, this high percentage may be influenced by the fact that the ability to diagnose autism has improved. On average, autism costs a family $60,000 a year.
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How Carriers View People With Autism
Below is a general idea of how life insurance carriers underwrite an individual with autism. If you have specific questions, please contact us.
Can You Perform Activities of Daily Living Independently?
Activities of daily living are important, everyday functional areas like eating, going to the bathroom, and dressing.
If you cant perform ADLs or need assistance for 1 or 2 of them, that will hinder your ability to obtain a policy.
Why, John, you ask? I am healthy every other way.
True, you might be. However, performing ADLs is an important, foundational aspect of everyday life. Carriers say that the inability to perform ADLs independently can lower ones lifespan.
If you or your relative cant perform ADLs independently, then there are fewer life insurance options. In fact, most carriers will likely outright decline the application.
However, life insurance options still exist. We discuss that further in the article.
Do You Work?
I say this all the time, but carriers like to see people working. It shows that the person can carry on meaningful relationships and conversations. Similar to performing ADLs, working is foundational for everyday life. Carriers do expect you to work in gainful employment .
If you dont work, then the life insurance options are limited. For an adult with autism, then that might lead to a decline.
As we mentioned earlier, there are still life insurance options available.
Do You Have Any Other Health Conditions?
Life Insurance For Parents Of A Child With Disabilities
If you have a child, a life insurance policyis one way to make sure that their needs are still met when you die. If you have a child with disabilities, that kind of protection can be important once your child is an adult, as well.
If your child will need care into adulthood, a whole life insurance policy is the better choice. Whole life costs 5 to 15 times more than term life insurance but provides lifetime protection that a term policy cant.
You can consider a term life policy that has an option to convert to permanent life insurance if whole life doesnt currently fit your budget or if your child wont need continued care as an adult. Youll have protection that you can afford and the ability to get permanent coverage later.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
Dianna Taylor writes and researches for sites in the insurance and finance industry. She has a degree in English and a teaching license in secondary English.She has written on and researched topics including real estate, insurance, education, finance, chronic illness, mental health, parenting, teens, and children. Her work has appeared in Class, Scary Mommy, and Yahoo Life.
How To Find The Right Company
The fact that there are hundreds of life insurance companies for you to choose from is both a blessing and a curse. With so many companies available, it means that there is a very good chance you will find one suited for you and your needs.
However, it also means that you may have to do a lot of searching before you find the right one. If youre looking for life insurance with autism, its important that you find a company that has a positive history of working with people who suffer from mental disorders.
There are others, but for your convenience, here are a few good places you may want to look into.
These companies have a track record of taking on applicants with mental disorders. This means they have a good understanding of what these conditions entail. And they are likely to look at your application with more of an open mind.
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Power Of Attorney Or Guardianship
Obtaining proper guardianship or power of attorney helps.
Guardianship or power of attorney rights gives you the authority to make decisions on your childs behalf. This usually occurs at adult age.
Youll want to make sure these rights include signing documents on your childs behalf. This includes insurance documents.
Youll apply as the owner of the policy. Just make sure you yourself are not on Medicaid or anything like that. If you are, then owning the policy will affect your aid and resources.
Can A Special Needs Trust Purchase Life Insurance
Special needs trusts don’t typically buy life insurance policies. However, a trust is often the beneficiary of a policy. Parents set up a trust to hold assets and help pay for their child’s lifetime care after they are gone. Then, the parents designate the trust as the beneficiary of their life insurance policy. Other family members, such as aunts, uncles, and grandparents, can also do so. After the policyholder passes away, the death benefit helps to fund the trust.
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What Should I Be Doing Now
- If your adult child with a disability is under 26 and covered on your policy, contact your insurer or employer to learn what specific steps you need to take to keep them on your policy at 26.
- If your adult child with a disability is under 26 and not covered on your policy, consider adding them back to your policy now.
- If your adult child with a disability is over 26, it is still worthwhile to ask your employer or insurer whether they might still allow you to include this child under your policy.
Autism 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 others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Hereâs a list of common burial insurance riders:
|FUNERAL FUNDS ADD-ONS|
|Nursing Home Care Add-On Benefit||Included with most plans|
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What Happens When A Special Needs Child Turns 18
Once a child reaches age 18, benefits eligibility changes. They may qualify for supplemental security income benefits based on their own income and assets . In order to receive benefits, the child must meet the Social Security Administration’s disability standard, have less than $2,000 in assets, and receive minimal income and that is one reason why many parents choose to set us a special needs trust to hold assets for their child out of that child’s name6.
Have Your Medical Records In Order
Next, remember that life insurance companies often reject applications if they seem disorganized, unspecific and undetailed. Therefore, be sure to write down the dates of all your doctor visits with the doctors names and contact information.
Also, note which medications youre taking plus the brand and the dose. Youll want to make sure there are no grey areas in your application which could backfire on you.
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Process Of Purchasing A Life Insurance Policy
First, you should contact a reputable advisor. The insurance industry can be driven by commissions, so find an advisor who will put your family needs ahead of personal gain and who understands the guidelines for writing policies on a person with disabilities. Some advisors may suggest that a child with special needs may not be insurable due to pre-existing conditions or disabilities. Do not accept this response as a final denial of coverage. Despite such conditions, there may still be options to obtain insurance, such as requesting a rating, a graded life benefit, or a policy based on the functional level of your child .
One of the important considerations when applying for insurance is to present the medical and psychological issues in a light most favorable for issuance of the policy. The details about any medical or psychological issues must be completed accurately and honestly, but there is usually no requirement to volunteer additional information. If the company wishes to request further explanation about test results or details surrounding the capacity of a person to perform certain tasks, it may do so at a later date.
On the other hand, some companies do charge more if the insured person is older. For instance, the sample analysis by one company for a male age 10 with a death benefit of $25,000 will cost $179 per year whereas a 20-year-old male would pay $202 per year for the same coverage.
Making The Most Of Community Supports
In addition to maxing-out funded options, it’s extremely important for parents to help their adult children become real members of the local community. All too often, families with autistic members live in relative isolation, struggling to maintain a predictable and uneventful life for the benefit of their autistic child. Adults with autism may not participate in family or personal activities with friends or family . In essence, these families are on their own. Here are just a few ways to help a child make connections that can last a lifetime:
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Fully Underwritten Life Insurance
If your child has low to mild autism and high functioning, then expect any type of life insurance available. In other words, your child is eligible for a fully underwritten plan.
That means whole life, index universal, and even term life insurance on children is available.
Dont worry. Your child wont have a paramedical exam or anything like that. They are too young for that.
Carriers will likely classify your child at a standard rate up to table 2.
If your child has mild autism, the best thing to do is contact us so we can estimate the rate.
Whats The Process Of Buying A Life Insurance Policy For An Autistic Child
The life insurance process may take a few days. Waiting for life insurance can make you anxious if youre under pressure to buy some. As youre shopping for life insurance, think about these four steps:
If the autistic child cant be insured through an individual policy, take out a life insurance policy on yourself, and add the autistic child as a rider.
Your life insurance quotes are always free.
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Life Insurance For A Caregiver
If you do not suffer from autism, but are providing care for someone who does, then you need to consider how to best protect them if you die before they do. Good caregivers can be expensive, so its important to decide ahead of time what kind of services you want for your loved one and make sure your policy can cover the cost.
Getting Life Insurance With Autism
Do you have autism and are curious about how it will affect your life insurance rates? Well, keep reading because were going to show everything you need to know to get an affordable life insurance policy.
Autism is a cognitive disorder that affects over 20 million people worldwide. Its usually diagnosed in early childhood and is characterized by certain social inhibitions, communication and speech deficiencies, ritualistic behavior and increased stress levels in high sensory environments.
The exact workings of a brain with autism is still not quite understood, and people with autism can require hands-on care for the rest of their lives. However, most live with near complete independence, marrying and having families of their own. In other words, there are hundreds of different notches on the autism spectrum, and no two cases are alike.
The question is: Can you get life insurance with an autism diagnosis? You most certainly can. Keep in mind, though, that autism is known to be associated with a number of different health problems. This means that the process for applying for life insurance with this disorder may take some extra steps. However, affordable life insurance with autism is more than possible.
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