Burial Insurance With kidney Dialysis: What To Know

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If you require kidney dialysis, it can become a costly process. Dialysis is not cheap and can cost thousands of dollars per session, with treatment lasting anywhere from three to five days each week.

Unless you have the financial resources to cover these expenses, getting the necessary dialysis treatments can significantly strain your finances. 

Therefore, purchasing burial insurance with kidney dialysis as a rider is an excellent way to cover your final expenses in case you require this medical treatment.

This article will explain what kidney dialysis is and if it’s right for you, as well as cover some important considerations when choosing your policy and what to look out for when purchasing one.

What is Burial Insurance With kidney Dialysis?

Burial insurance with kidney dialysis is a policy that can help pay for the cost of a funeral or cremation after a loved one passes away. This type of insurance may be available through your employer or a third-party provider like an insurance company.

You may be eligible for this coverage if you have been diagnosed with chronic kidney disease (CKD). CKD is a condition that affects your kidneys and can lead to problems such as diabetes, hypertension, and protein in the urine. It also increases the risk of heart attacks and strokes.

The main benefit of burial insurance with CKD is that it provides financial security when you may be undergoing medical treatment. It can help ease some of your financial stress while recovering from surgery or treatment.

What are the symptoms of kidney Dialysis?

When a patient is having kidney dialysis, they may be experiencing symptoms that are different from those experienced by other patients. This can include:

Fatigue: Feeling very tired all the time, or more tired than usual.

Sleep problems: Difficulty falling asleep or staying asleep, or feeling very sleepy during the day.

Itching: Feeling an intense itch all over your body or in specific areas such as your hands, feet, back, or buttocks. The irritation may be so severe that it leads to skin breakdown and open sores.

Loss of appetite: Feeling less hungry than usual or not wanting to eat anything.

Nausea and vomiting: Feeling nauseated and throwing up (vomiting).

Swelling: Fluid retention causing swelling in your ankles, legs, tummy (abdomen), or face.

Shortness of breath: Trouble catching your breath or feeling short of breath when you lie down flat; also called “fluid around the lungs” or “congestion.”

Muscle cramps: Uncomfortable muscle contractions, usually in the legs (calf muscles).

Enlarged abdomen (tummy) or bloating: The enlarged abdomen may be caused by a buildup of fluid in the stomach or by constipation.

In addition, you would think that being on kidney dialysis would be for seniors over 70, but the average age of a consumer on dialysis is just 64.

Why do you need burial insurance With kidney Dialysis?

It would help if you had burial insurance With kidney dialysis because you want to be buried in a cemetery. It would help if you considered the following:

The cost of the funeral director is usually included in your funeral package. If not, ask about it before signing up for funeral services. It will help ensure you don’t waste money on a service you don’t need.

Burial insurance With kidney Dialysis is available at affordable prices and can help protect your loved ones from the financial burden of paying for a funeral.

If you are going through dialysis treatment, finding a family member or friend who can help you with tasks such as burial services, cremation, or visitation services may be challenging.

However, this shouldn’t stop you from getting these services covered by funeral insurance With kidney Dialysis so that your loved ones don’t have to worry about these issues while struggling with their health concerns.

In addition, seniors with kidney dysfunction have a higher risk of having central nervous system issues like multiple sclerosis.

What does Burial Insurance After Stent cover?

Burial insurance after stent covers the cost of funeral services, cremation, and burial or other disposition of your remains following a diagnosis of renal cell carcinoma (kidney cancer). It also covers the cost of ancillary services such as embalming, casketing, and memorialization.

You need to know that your home health coverage does not cover the costs associated with purchasing a burial plot or grave site. You may be able to get assistance from your healthcare provider or a funeral home, but Medicare benefits do not cover those services.

So even if you are diagnosed with these over age 85, we can help you.

Is a medical test necessary to qualify for Burial Insurance for kidney Dialysis?

No medical test is needed to qualify for burial insurance if you are receiving kidney dialysis.

The application for funeral insurance will only require you to answer a few basic questions about your health. No documents or samples of blood or urine will be required.

In most cases, you will receive official approval from the insurance provider within minutes.

Burial Insurance Underwriting With kidney Dialysis

Insurance companies typically request underwriting information.

• Usually, we ask about your general health and if you have any other illnesses.
• Your medication history is also taken into consideration.

The answers to these questions can tell you how likely you are to develop a disease, such as heart disease.

Health Concern:

Most burial insurance companies will ask this question multiple ways. Typically be asked in many ways. The following are questions that you will see when applying for kidney Dialysis:

• Did you ever receive or have you been suggested dialysis?
• Have you ever had a problem with your kidneys?
• Have you ever been diagnosed with kidney failure?
• Are you currently receiving dialysis?
• If so, how often do you receive dialysis, and what treatment is it?
• Do you have a doctor who can give a blood test to confirm kidney function?
• How long have you been on dialysis?
• Are you on any medications for kidney disease?
• Have you ever been hospitalized for kidney issues? If so, for how long, and what were your symptoms?
• Have any of your family members died from kidney disease? If so, how old were they at the time of death, and what was their cause of death?

Responses to Your Application

Depending on how the insurance companies respond to these questions, they will take one of two steps. If accepted by a company, you will receive a plan with a high price tag and a waiting period.

This type of plan is called Graded or Modified policies. Most life insurance companies will deny coverage to people who answer “yes” to the dialysis question, regardless of how they ask.

You cannot get coverage without a waiting period if you receive dialysis treatment or have received it within the past 12 months.

There are, however, very affordable options with guaranteed issue plans that include a waiting period for seniors on dialysis.

What are the benefits of burial insurance With kidney Dialysis?

Cost savings

The cost of burial insurance can be as much as 50% less than that of a traditional burial. If you already have a plan for your loved one’s final resting place, you may need to buy only the necessary additional coverage for their final interment.

Cremation

If you prefer cremation, consider adding a burial option that provides financial assistance for the final disposition of ashes or remains. It may be helpful if you or your loved one is not religious and does not want to be buried or have their ashes scattered at sea.

Emergency protection

If a hospital needs to pay an emergency claim due to an illness or accident, it may have trouble paying it without adding additional funds from another source.

You can help them by purchasing burial insurance with an emergency provision that allows them to pay upfront if they need to cover unexpected expenses related to the death of their loved one. At the same time, they are still alive (such as medical bills).

Funeral expenses

You can also use funeral expenses to get some cash back on life insurance premiums already paid before your loved one died. They can be used to pay off debts or cover funeral expenses.

You may want to consider a life insurance policy with an accelerated benefit rider that pays out benefits if you are diagnosed with a terminal illness and have a life expectancy of 12 months or less.

This can help your loved one get access to cash to pay for final expenses, and it can also help reduce the overall financial burden on their family.

Best insurance policy options for kidney Dialysis

The best life insurance policy for people receiving dialysis is a guaranteed issue policy for end-stage kidney disease. Several life insurance companies offer guaranteed issue policies for people with end-stage renal disease. A waiting period of two years applies to guaranteed issue life insurance.

When you’re on dialysis, you may not be able to get life insurance that protects you right away. It will take two years for the policy to begin paying benefits when you’re on dialysis.

It is the easiest and most discreet way to apply for and receive life insurance when receiving dialysis. This is designed for people looking for life insurance to cover end-of-life expenses.

How much does Burial Insurance With kidney Dialysis cost?

The cost of burial insurance varies greatly depending on your situation. In the case of heart disease or other chronic conditions, you can expect to pay more than $300 per month. Your premiums will be higher if you have a pre-existing condition, such as kidney failure.

Medicare covers burial insurance with kidney dialysis, so no monthly payments are required. However, if you need to purchase additional coverage for your funeral expenses, we offer various options for you.

How To Find The Best Final Expense Insurance For kidney Dialysis Patients

Each company sets its eligibility criteria. Some companies are rigorous and refuse to accept anyone unless they are in good health. Other carriers are more lenient when it comes to providing coverage immediately.

Whether you are receiving dialysis or another medical concern, you will have different options for life insurance. The best choice for dialysis patients will differ from those with other medical problems.

It is almost always kidney disease that precedes dialysis. It is equally important to realize that the reasons for getting kidney dialysis are just as important as the diagnosis. If you have diabetes or diabetic nephropathy as part of your dialysis treatment, this may also affect your acceptance.

Insurance companies know this and have different rates for different types of coverage. Getting quotes from multiple companies is essential to finding the best price. 

How to Get the Best Life Insurance with kidney Dialysis?

There is no one-size-fits-all answer to this question, as the best life insurance with kidney dialysis will vary depending on your circumstances. However, some tips on how to get the best life insurance with kidney dialysis include:

• Work with an experienced life insurance agent who specializes in kidney disease.
• Shop around and compare quotes from multiple life insurance companies.
• Make sure you understand the policy’s terms and conditions before purchasing it.
• Choose a policy with a death benefit that is adequate for your needs.

InsuranceForBurial is an independent agency that specializes solely in burial insurance. We work with dozens of life insurance companies with different underwriting for those with Kidney Dialysis. We would be happy to help you find the best possible life insurance policy to fit your unique situation.

Our agents can know which carrier is best for your specific situation by focusing exclusively on this niche. The best part is that our agents do not work for any company so they can find the best deal for your unique circumstances.

If you would like a free quote, please call us at (855) 380-3300 or visit our website at InsuranceForBurial.com.

Final Thought

Burial insurance is a critical consideration for anyone on kidney dialysis. It is essential to know that most policies have a waiting period of two years, so it is necessary to plan. Additionally, it is crucial to understand that some policies exclude coverage for pre-existing conditions, so it is essential to read the fine print. Burial insurance can be a great way to prepare for the future and give yourself and your loved one peace of mind.

As you get older, burial insurance makes you feel better and ensures that your family has everything they need when you die. We can help you with burial insurance by providing you with an accurate quote by calling us at (855) 380-3300.

Monaco, L. (2022, May 22). The Truth About Burial Insurance with Pre Existing Conditions [2022 Review]. InsuranceForBurial.Com. https://insuranceforburial.com/blog/burial-insurance-pre-existing-conditions/