Qualifying for funeral with fibromyalgia is possible. In fact, thousands of people with fibromyalgia have qualified for funeral insurance policies, and now have the peace of mind a final expense policy provides. Read on to learn more.
Fibromyalgia is a painful condition. People diagnosed with fibromyalgia experience pain in ways that those not diagnosed do not. For example, if you have a bad back or knees, you are in pain. However, when you have fibromyalgia, that pain is significantly worse, because the pain messages sent from the brain are amplified.
Like any chronic condition, management is key to living happily. Also, like any chronic condition, you may wonder if funeral insurance is a possibility. And if it is, will it be expensive.
Can I Qualify for Funeral Insurance with Fibromyalgia?
You might think that fibromyalgia, in addition to causing you physical pain, could also cause you financial pain. With the increase in medical bills, you might start to worry that your loved ones will be stuck with bills for your care after you pass.
While it is true that some people have been denied due to their fibromyalgia, we work with carriers that will get you covered. Benefit Choice Direct is committed to helping you get the burial insurance coverage you need.
Will I Have to Pay More for Funeral Insurance with Fibromyalgia?
Most burial insurance companies will perform two basic health-related screens. There will NOT be a health exam. Instead, you will be asked questions about your health, and then questions about your prescriptions.
Most of the funeral insurance companies will only ask about high-risk health conditions. Conditions such as diabetes, cancer, AIDS, and cardiovascular problems will be covered. Fibromyalgia is not considered a high-risk health condition.
That being said, the main questions that may relate to fibromyalgia will have to do with whether or not the proposed insured is confined to a wheelchair, or if the proposed insured is using a nursing home or hospice care.
While most fibromyalgia cases do not result in confinement to a wheelchair or long-term care in a nursing facility, it can happen in extreme cases. Be sure to answer these questions as honestly and thoroughly as possible.
If there are no other outstanding health issues, then the policy should not be excessively expensive.
Fibromyalgia and Funeral Insurance: Finding the Best Policy
Finding the best funeral insurance policy for someone with fibromyalgia is not always simple. Going it alone is not advised. Instead, speaking with a qualified expert on funeral insurance will help you find the best policy possible.
Because there may be outstanding medical bills or other bills related to fibromyalgia, knowing how much coverage you will need is also particularly important. A funeral can be expensive on its own but adding other expenses to the mix can make the costs unmanageable.
A Benefit Choice Direct representative can help you make an educated, informed decision about the right funeral insurance policy for you or a loved one. Contact us today for a no-obligation quote.