Burial Insurance On Disability

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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Living life with a disability can be challenging and likely raises many concerns. Your diagnosis can come with lifestyle changes and new ways of everyday living.

What is not always thought about are your options when it comes to life insurance for burial with a disability.

Most families do not realize the financial burden of funeral expenses, and unfortunately, these costs typically fall on unexpected loved ones. Thousands of seniors across America have nothing set aside in a burial fund.

Burial insurance coverage becomes a necessity for families at the end of life. This financial protection is also called funeral or final expense insurance.

Can I Get Burial Insurance On Disability?

Every final expense insurance carrier sets its qualifying standards. A disability generally does not affect coverage, but the specific circumstances around your disability could. Fortunately, when it comes to disabilities, most insurance companies are lenient and will approve the applicant for immediate coverage.

smiling elderly man on computer

How To Find The Best Funeral Insurance On Disability

The most suitable burial life insurance company is specific to the health of the disabled applicant.

Since each provider creates its own qualifying standards, some insurance companies are more lenient with pre-existing disabilities than others.

For example, someone with multiple sclerosis could qualify for no waiting period with one company but be denied by another.

A wide range of conditions can qualify someone for disability benefits, including arthritis, back pain, fibromyalgia, depression, and diabetes. You can still find an affordable, top-tier plan with no waiting period if you have these conditions.

However, a few conditions could cause an insurance company to use caution before issuing a burial policy. The insurance providers have a list of pre-existing diagnoses that they will be focused on.

Disabilities that Life Insurance Companies Ask About

If you have had any of the following, you may be required to have a waiting period or pay higher premiums for coverage.

The typical waiting period is 2 years and limits the beneficiary’s money if death occurs during this time. The full death benefit is available once the waiting period has concluded.

Assisted Living

If you currently receive home health care or are in a facility, the insurance providers will require you to pay more for the policy each month and institute a waiting period.

Being able to accomplish the five activities of daily living (ADL) on your own is also required by every company to get immediate coverage. If you cannot do the following on your own, there will be a 2-year waiting period.

  • Bathing
  • Dressing
  • Eating
  • Transfering
  • Toileting


Coverage is available with a cancer diagnosis. The plan structure and price will vary depending on whether you are in remission or currently receiving treatment.

Most insurance companies will look back 2 – 4 years for cancer treatment. If you currently receive cancer treatment, finding a highly rated guaranteed acceptance plan is the best option.

A plan with guaranteed coverage will ask no medical questions but implement a 2-year waiting period before the full death benefit is available to the beneficiary.

Circulatory System Disorders

If you have had circulatory or heart surgery, immediate coverage is available if it has been over 2 years since the procedure. Some insurance companies will provide coverage with no waiting period after 12 months.

Diabetic Complications

Immediate coverage is available from numerous final expense insurance companies for seniors with controlled diabetes. However, this changes if the applicant has had complications of diabetes.

Many carriers will approve coverage if the applicant has neuropathy, nephropathy, or retinopathy but require a higher monthly premium and a waiting period.

Depending on how long ago your diabetic coma was, you could be eligible for immediate coverage. Amputation due to diabetes will result in a coverage delay.

Heart Disease

Many medical conditions are in this category. When your doctor diagnoses the heart disease and its severity, will determine the price and coverage you can receive.

Most companies look back 2 to 4 years for heart attack and stroke victims. If your episode was recent, you would be subject to a waiting period.

The coverage timeline and acceptance will also affect seniors with arrhythmia, congestive heart failure (CHF), and peripheral artery disease (PAD).


If you rely on a wheelchair or scooter for mobility, the insurance provider will require a higher monthly premium and a two-year waiting period.

If immobility is expected to be temporary, you could still be eligible for immediate coverage.

Nervous System Disorders

Epilepsy, multiple sclerosis, Parkinson’s Disease, and paralysis will all affect insurance eligibility. However, a few companies will provide immediate coverage for these conditions.

Working with a specialized agency that represents several policies that look favorably upon these disorders will be the best way to secure burial insurance coverage with immediate protection.

Paying for Burial Life Insurance Policies

Social Security Disability Insurance (SSDI) coverage is paid in one of two ways.

Direct Express Card: Payment is placed onto a direct express debit card that recipients can use to make purchases.

A few life insurance companies will allow payments using this card, but most do not. Let your insurance agent know if this is your only form of payment, as it will limit your options for funeral insurance.

Direct Deposit: The money is sent directly to your bank account.

A bank account is the preferred way to make your funeral insurance payments. Many companies only allow payments through an automatic direct deposit every month.

A senior citizen receiving disability insurance payments will have several more options if they have a bank account to withdraw the final expense insurance payments.

Work With a Specialized Agent

When you have a disability, working with an insurance agent who can access the best burial insurance companies is essential. This will ensure you receive the most optimized coverage at the lowest price.

Final Expenses & Disability Questions

Does Disability Pay for Funeral Expenses?

Social Security Disability Insurance (SSDI) does not pay for funeral costs. However, funeral insurance is an affordable way to pay for funerals and other final expenses of the elderly. Whole life insurance for seniors comes in small coverage amounts, making it affordable on any budget.

How Much Does Social Security Give You for Burial?

A $255 death benefit will be awarded to a surviving beneficiary upon Social Security Insurance (SSI) qualification. With average funeral costs of $7,643, the amount provided by the SSI burial fund is nowhere near enough to cover these expenses.

Does Disability Pay for Cremation?

Cremation costs are not covered by disability insurance. However, cremation and other final expenses can be covered by a funeral insurance policy. The average price of cremation is $6,280 in the US.

What Insurance Can You Get While on Disability?

Final expense life insurance is available for seniors on disability. The type of disability will depend on whether you can qualify for immediate coverage or if the insurance provider will impose a waiting period.

Can I Have a Life Insurance Policy While on SSI?

Funeral insurance is available to seniors receiving Social Security Insurance (SSI). Immediate coverage is available to those in fair health. If applicants have a pre-existing condition that the insurance providers deem high-risk, a waiting period could be imposed before full benefits are available.

Does Life Insurance Affect Social Security?

Social Security and life insurance have very little to do with each other. The only real correlation is the payment for the burial policy with your SSI benefits. If you have a bank account to pay the premiums, there will be no issue.

elderly man wheelchair with caretaker looking at mountains

The Basics Of Burial Insurance For The Disabled

Life insurance for seniors was specifically designed to provide an affordable way to prepare for final expenses.

Each month the policyholder makes a simple and affordable monthly payment. In exchange, the insurance company will pay a death benefit to the beneficiary once the policyholder passes away.

These plans are affordable because it comes in smaller coverage options, making them less expensive than a traditional whole life insurance policy.

Upon acceptance, there are three pillar benefits.

Price Never Changes: You will pay the same premium month in and month out. The price will never increase, giving you peace of mind with no financial surprises.

Coverage Never Terminates: Your coverage will never decrease or terminate, guaranteeing that your family receives the resources needed.

Builds Cash Value: With each payment, a portion will go towards the cash value. This amount will grow over time and can be borrowed if the policyholder chooses.

Final Thoughts

a. Qualifying for senior life insurance meant to cover burial expenses will not be affected by receiving money from SSDI.

b. The specifics of your disability could affect whether or not you can qualify for immediate burial insurance on disability.

c. Working with a final expense insurance specialist with access to policies from multiple companies will be the best way to apply for immediate insurance coverage with no delay.