{"id":403008,"date":"2024-06-24T18:13:16","date_gmt":"2024-06-24T18:13:16","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/life-insurance-for-people-with-disabilities\/"},"modified":"2024-06-24T18:13:16","modified_gmt":"2024-06-24T18:13:16","slug":"life-insurance-for-people-with-disabilities","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403008","title":{"rendered":"Life insurance for people with disabilities"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"2\">If you or a loved one is living with a disability, you still have options for life insurance coverage.<\/li>\n<li aria-level=\"2\">Your life insurance eligibility and rates will depend on the type of disability, how severe it is, and your overall health, among other factors.<\/li>\n<li aria-level=\"2\">For people with serious disabilities who don\u2019t qualify for traditional term or permanent life insurance, there are options that don\u2019t require a medical exam.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<div style=\"text-align: center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding: 0 0 40px 0;\"><a class=\"site-link button blue\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\" data-gtm=\"true\" data-ctatext=\"Get My Quote\" data-location=\"insurance for people with disabilities-Can you get life insurance if you have a disability?\">Get My Quote<\/a><\/div>\n<\/div>\n<h2>Can you get life insurance if you have a disability?<\/h2>\n<p><a href=\"https:\/\/www.cdc.gov\/ncbddd\/disabilityandhealth\/infographic-disability-impacts-all.html#:~:text=61%20million%20adults%20in%20the,is%20highest%20in%20the%20South.\" target=\"_blank\" rel=\"noopener\"> According to the Centers for Disease Control and Prevention<\/a>, about 26% of U.S. adults, or one in four people, are currently living with a disability. For many people, living with a disability can make it even more important to make sure their family is provided for. But is life insurance for people with disabilities an option?<\/p>\n<p>While having a disability can mean higher premiums and fewer plan options, it\u2019s still possible to get life insurance for disabled people. If you\u2019re concerned about being there to provide for your family, the funds from a life insurance policy can help supplement your income or disability benefits and make sure your family has the money to stay afloat, no matter what happens.<\/p>\n<p>Fidelity Life offers a wide range of life insurance for disabled adults to help them access the protection they need. Learn more about your options when it comes to buying life insurance for individuals who are disabled and how to get covered.<\/p>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>What\u2019s considered a disability?<\/h2>\n<p>Disability is a broad term for a range of physical or mental conditions <a href=\"https:\/\/www.cdc.gov\/ncbddd\/disabilityandhealth\/disability.html\" target=\"_blank\" rel=\"noopener\"> that makes it more difficult for the person with the condition to do certain activities and interact with the world around them.<\/a>\u00a0There are many types of disabilities, including those that affect:<\/p>\n<ul>\n<li aria-level=\"1\">Hearing, vision, or other senses<\/li>\n<li aria-level=\"1\">Movement<\/li>\n<li aria-level=\"1\">Thinking and remembering<\/li>\n<li aria-level=\"1\">Communication<\/li>\n<li aria-level=\"1\">Mental health<\/li>\n<\/ul>\n<p>Disabilities can be mild or severe, and hidden or obvious. Still the question remains: Can you get life insurance while on disability or if you\u2019re disabled? In general, the more of an effect the disability has on your life expectancy, the more it will impact your life insurance options.<\/p>\n<p>The Americans with Disabilities Act (ADA) specifies that people with disabilities can\u2019t be denied certain services. Since disabilities can affect your overall health and life expectancy, however, life insurance companies are allowed to consider your disability when determining how much life insurance to offer you, <a href=\"\/life-insurance-basics\/life-insurance-101\/what-is-an-insurance-premium-and-how-does-it-work\/\"> and what to charge for your premium.<\/a>\u00a0How you manage your disability, the severity of your disability, <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/does-family-medical-history-affect-life-insurance-rates\/\"> and your family history<\/a> all affect how your disability impacts your insurance options and rates.<\/p>\n<p>How does disability insurance work? There are several factors insurance companies consider when they issue life insurance for people with disabilities:<\/p>\n<ul>\n<li><b> The cause of your disability. <\/b> Life insurance while on disability is generally easier to insure because an accident typically has less of an effect on overall mortality. Disabilities caused by chronic illnesses can be trickier to cover, depending on the severity of the illness and how well it\u2019s managed.<\/li>\n<li><b> Medical treatments and medications. <\/b> A life insurance company will assess things like any treatments, prescription drugs you take, and previous surgeries or hospitalizations.<\/li>\n<li><b> Whether you\u2019re able to work or not. <\/b> Some disabilities are able to be managed in a way that still allows you to work, while others might limit your ability to do daily tasks. Your life insurance company will take that into consideration, and your current job status can affect the amount of life insurance you\u2019re able to buy.<\/li>\n<li><b> Your overall health, <\/b> including the use of tobacco products.<\/li>\n<\/ul>\n<h2>Types of life insurance for people with disabilities<\/h2>\n<p>Does term life insurance cover disability or people who are disabled? What about other options? The products available to you will ultimately depend on how serious your disability is. If your disability is relatively mild, you may qualify for conventional term life or permanent life insurance coverage.<\/p>\n<ul>\n<li><a href=\"\/life-insurance\/term-life-insurance\/#:~:text=Fidelity%20Life's%20term%20life%20insurance,Simple%20to%20apply.&amp;text=Term%20life%20insurance%20provides%20guaranteed,be%20further%20customized%20with%20riders.\"> Term life insurance<\/a> is the most popular kind of life insurance policy, because it provides flexible terms and affordable coverage for everyday families. With term life insurance, your family will get a guaranteed payout should anything happen to you during the set term of the policy.<\/li>\n<li><a href=\"https:\/\/fidelitylife.com\/life-insurance\/permanent-life-insurance\/\"> Permanent life insurance<\/a>, on the other hand, offers you lifelong protection with no term expiration. This type of life insurance also accumulates cash value that you can borrow against or use as collateral for a loan.<\/li>\n<\/ul>\n<p>So, what kind of insurance do you get with a disability? For people with more serious <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/life-insurance-for-pre-existing-medical-conditions\/\"> pre-existing conditions,<\/a>\u00a0no medical exam life insurance might be a better choice. Fidelity Life offers a wide range of no-exam options, including:<\/p>\n<ul>\n<li><a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/final-expense-life-insurance-101\/final-expense-life-insurance\/\"> <b> Final expense<\/b><\/a><b>: <\/b> This type of insurance is available for people 50 and older. It provides affordable coverage, and helps cover things like funeral costs and medical expenses.<\/li>\n<li><a href=\"\/life-insurance-basics\/life-insurance-101\/simplified-issue-life-insurance\/\"> <b> Simplified issue<\/b><\/a><b>: <\/b> This type of policy is designed to provide a limited amount of life insurance quickly, without the typical wait from traditional policies that require a medical exam. Simplified issue uses a health questionnaire rather than an exam to answer relevant health questions.<\/li>\n<li><a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/guaranteed-issue-life-insurance\/\"> <b> Guaranteed issue<\/b><\/a><b>: <\/b> This type of policy offers no-questions-asked coverage, without the need for a medical exam or health questions. While coverage amounts are lower and premiums are higher than other types of life insurance, it can provide protection if you\u2019ve been turned down for other options.<\/li>\n<\/ul>\n<p>It\u2019s important to take time to review your options carefully. Our team can help if you want to compare policies or have questions about buying life insurance with disability benefits.<\/p>\n<section class=\"page-content block block-page-content\" style=\"margin: 0; padding: 0; background: #f3f6f8;\" tabindex=\"-1\">\n<div class=\"page-content-inner\" style=\"text-align: center;\">\n<p><img decoding=\"async\" style=\"display: block; width: 100%; max-width: 800px; margin: 0;\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg\" alt=\"Couple smiling on a boat\" \/><\/p>\n<h2 style=\"margin: 0;\"><span id=\"life-insurance-for-seniors\">Find a policy that works for you<\/span><\/h2>\n<p style=\"margin: 0; padding: 0 50px;\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/p>\n<div class=\"preview-section-button\"><a class=\"site-link button purple\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\"> Get Started <\/a><\/div>\n<\/div>\n<\/section>\n<h2>Tips for people with disabilities to improve life insurance eligibility<\/h2>\n<h3>Work on Your Wellness<\/h3>\n<p>When you apply for life insurance, your insurer wants to know you\u2019re working to maximize your health and lifespan. There are plenty of ways to maintain your health while living with a disability, from scheduling regular checkups to keeping up with your prescribed medications. To help increase your overall wellness and your life insurance options, consider taking steps like these:<\/p>\n<ul>\n<li aria-level=\"1\">Get your heart rate up for 20-45 minutes a day.<\/li>\n<li aria-level=\"1\">Eat healthy and minimize fried, packaged, or sugary foods.<\/li>\n<li aria-level=\"1\">Monitor your blood pressure and cholesterol and work with your doctor to stay within a normal range.<\/li>\n<li aria-level=\"1\">Quit smoking or using other nicotine products, like e-cigarettes or chewing tobacco.<\/li>\n<\/ul>\n<h3>Shop Around<\/h3>\n<p>Your life insurance needs are as unique as you are, especially when you have special considerations like a disability. That\u2019s why life insurance comes in a variety of types, amounts, and price points to meet your needs. Every insurer has its own guidelines, so make sure to compare options and quotes before you choose. Need help? Fidelity Life makes it easy to <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/how-to-compare-life-insurance-plans\/\"> compare prices online<\/a> for a variety of policies, or you can call our team to help you find the best fit.<\/p>\n<h3>Explore No Exam Insurance Options<\/h3>\n<p>If your disability is severe or you have other health complications, don\u2019t worry: you still have options. No exam life insurance provides coverage without a medical exam, so it can be a good choice for people who are older or have health issues. Talk to an agent about the best policies for you, or get started by <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-medical-exam-101\/no-exam-life-insurance\/\"> exploring our no exam coverage options.<\/a><\/p>\n<h2>Consider life insurance riders<\/h2>\n<p>If you\u2019re living with a disability, a life insurance rider can offer additional protection or benefits to your policy in case your condition worsens at any point. One common rider is the <a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> terminal illness rider<\/a>, also known as an accelerated death benefit. This rider allows you to withdraw some of your death benefit if you are diagnosed as having less than a year to live, which can help your family cover medical bills or other end-of-life expenses. <a href=\"https:\/\/fidelitylife.com\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> Explore terminal illness riders from Fidelity Life.<\/a><\/p>\n<\/div>\n<\/section>\n<section class=\"accordion block block-accordion\" tabindex=\"-1\">\n<div>\n<h3>Do I have to disclose my disability when I apply for life insurance?<\/h3>\n<div class=\"accordion-item-content\">\n<p><span style=\"font-weight: 400;\"> Yes, it\u2019s important to be upfront. Life insurance companies do a thorough review of your medical history, including reviewing public databases, so anything you don\u2019t mention during the application is likely to come up later. If the insurance company finds out you weren\u2019t upfront about your disability, it can deny your application or even deny your family the benefits once you die. <\/span><\/p>\n<\/div>\n<h3>Can I qualify for life insurance if I\u2019m receiving disability benefits?<\/h3>\n<div class=\"accordion-item-content\">\n<p><span style=\"font-weight: 400;\"> If you\u2019re receiving Social Security Administration Disability Benefits (SSI or SSDI), you can still qualify for life insurance. If you\u2019re seeking life insurance while on disability, your life insurance company will want to know why you\u2019re receiving these benefits. If your condition is serious enough that you\u2019re unable to work full-time, it could impact your ability to qualify for term or permanent life insurance. Keep in mind that qualifying for disability doesn\u2019t necessarily mean you\u2019re automatically disqualified for these kinds of policies, however. Our agents can help you explore your options. <\/span><\/p>\n<\/div>\n<h3>How can I buy life insurance to protect my child with a disability?<\/h3>\n<div class=\"accordion-item-content\">\n<p><span style=\"font-weight: 400;\"> If your child has a disability, life insurance can help make sure you\u2019re able to provide for them even after you\u2019re gone. Proceeds from a policy can help pay for housing, health care, everyday essentials, and whatever else they may need. You may want to consider a permanent policy, which offers lifelong benefits to make sure that the money is there when they need it most. <\/span><\/p>\n<p><a tabindex=\"-1\" href=\"https:\/\/fidelitylife.com\/life-insurance\/permanent-life-insurance\/\"> <span style=\"font-weight: 400;\"> Explore permanent life insurance from Fidelity Life <\/span> <\/a><\/p>\n<\/div>\n<h3>I was denied life insurance. What should I do now?<\/h3>\n<div class=\"accordion-item-content\">\n<p><span style=\"font-weight: 400;\"> If you\u2019re turned down for coverage, don\u2019t worry \u2013 you still have options. If your disability is temporary or you\u2019re able to improve your health through lifestyle changes, you can wait a few months and try again. If that\u2019s not possible, no-exam life insurance may be a better fit for you. <\/span><\/p>\n<\/div>\n<h3>How can I get started?<\/h3>\n<div class=\"accordion-item-content\">\n<p><span style=\"font-weight: 400;\"> If you want to calculate your coverage, you can use our <\/span> <a tabindex=\"-1\" href=\"\/life-insurance-calculator\/term-life-insurance-calculator\/\"> <span style=\"font-weight: 400;\"> calculator<\/span><\/a> <span style=\"font-weight: 400;\">to see personalized quotes for term life insurance. We\u2019ve also made it simple to <\/span> <a tabindex=\"-1\" href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/#get-quote\"> <span style=\"font-weight: 400;\"> get your application started<\/span><\/a> <span style=\"font-weight: 400;\">online. And, you can give one of our agents a call to ask questions or explore the types of policies that work best for you. <\/span><\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div style=\"text-align: center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding: 0 0 40px 0;\"><a class=\"site-link button blue\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\" data-gtm=\"true\" data-ctatext=\"Get My Quote\" data-location=\"insurance for people with disabilities-How can I get started?\">Get My Quote<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways If you or a loved one is living with a disability, you still have options for life insurance coverage. Your life insurance eligibility and rates will depend on the type of disability, how severe it is, and your overall health, among other factors. For people with serious disabilities who don\u2019t qualify for traditional [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403009,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life insurance for people with disabilities - Fidelity Life<\/title>\n<meta name=\"description\" content=\"Explore life insurance options for people with disabilities and how preexisting conditions can affect premiums and approval rates.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life insurance for people with disabilities - Fidelity Life\" \/>\n<meta property=\"og:description\" content=\"Explore life insurance options for people with disabilities and how preexisting conditions can affect premiums and approval rates.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403008\" \/>\n<meta property=\"og:site_name\" content=\"Fidelity Life\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-24T18:13:16+00:00\" \/>\n<meta name=\"author\" content=\"Jane Mitchell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jane Mitchell\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008\"},\"author\":{\"name\":\"Jane Mitchell\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#\\\/schema\\\/person\\\/ee36011e046d223246a3366bb92965b0\"},\"headline\":\"Life insurance for people with disabilities\",\"datePublished\":\"2024-06-24T18:13:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008\"},\"wordCount\":1735,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Life Insurance 101\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008\",\"url\":\"https:\\\/\\\/staging03.wordpress.fidelitylife.com\\\/?p=403008\",\"name\":\"Life insurance for people with disabilities - 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