Alcoholics and addicts in recovery may be able to apply for employment that demand a spotless criminal record. When working with children, senior citizens, or other people who require support, it happens frequently. These people may slip up despite their best efforts to stay sober, which could lead to them losing their jobs. Finding another employment can be challenging if you don’t take steps to protect yourself in advance due to the stigma surrounding recovering addicts.
It is a good idea to purchase funeral insurance for an alcoholic or addict in order to smooth this transition and safeguard your loved one in case of an untimely relapse. If you pass away from drug or alcohol abuse, it will cover the expense of your funeral and burial. This is a great safeguard for anyone getting help for substance misuse issues because the cost of final disposition can be quite substantial.
Burial Insurance Alcohol Abuse / Drug Abuse: What is it?
A sort of life insurance that can pay for funeral expenditures is burial insurance with drug abuse. Typically, this kind of insurance is given to those who have passed away from drug use disorder and other causes, such as natural causes.
Drug abusers who pass away from an accidental overdose can get burial insurance to help with the expenditures. Additionally, it can be used to pay for the cremation or burial costs of people who have passed away in an automobile accident brought on by an unsuccessful driver’s licence suspension. Funeral expenses for persons with cancer or other terminal conditions may also be covered by burial insurance for drug abusers.
Drug abusers most frequently desire to buy burial insurance because they are worried about how much their loved ones will have to pay on funeral services after they pass away. When you don’t find out what your loved ones want or need for funerals and burials until after they’ve passed away, it may be tremendously frustrating.
Symptoms of Drug Abuse:
Symptoms of Drug Abuse / Drug Abuse:
- distorted vision
- Slurred speech Perplexity
- feeling sleepy or exhausted.
- nausea and diarrhoea
- an abrupt shift in attitude or behaviour
- Hallucinations (seeing nonexistent objects)
- abnormal heart rate
- Losing weight, having poor hygiene, and having red or watery eyes are all changes in appearance.
- anxieties, phobias, or delusions
What Does Burial Insurance Alcohol Abuse / Drug Abuse cover?
A financial instrument called burial insurance will assist in covering your funeral and burial expenses. You can select the level of coverage you desire, and if you opt to be buried as opposed to cremated, the policy will pay you a lump sum at the time of your passing or at a later date.
Depending on your age and whether you have children, the price of a funeral varies. The cost will go up if you have kids because eventually they’ll have to foot the bill for your funerals.
There won’t be any funeral home expenses if you decide to be buried rather than cremated. It implies that rather than having to pay for a full funeral home, you might only have to pay for a spot or crypt at a cemetery.
How Does Burial Insurance Alcohol Abuse / Drug Abuse Work?
Like other types of life insurance, burial insurance operates similarly. Your beneficiaries will get the benefits from the policy amount less any non-cash benefits, such as loans and other assets you transferred into the policy through your will, if you pay the insurance premiums and pass away. In exchange for a death benefit payment from you or your spouse, the insurer pays out your benefits on behalf of your beneficiaries (depending on which type of payout option you selected when applying for coverage).
Does burial insurance Alcohol Abuse/Drug Abuse require any medical tests?
To be eligible for funeral insurance, no medical examination is necessary. The misuse of drugs.
Throughout the application procedure, there is no requirement for you to provide any medical records or blood or urine samples. You must respond to a few straightforward health-related questions.
Typically, the insurance company will quickly accept you!
Burial Insurance Underwriting With Alcohol Abuse/Drug Abuse
Because underwriting establishes your premium and financial capacity, you must be honest on your life insurance application. Insurance companies often require the following details during the underwriting process:
- Typically, the insurance provider will inquire about your general health and any potential limitations.
- Additionally, prescription drugs will be covered.
- You can also be asked for a list of your hospital stays.
All life insurance firms inquire about drug and alcohol abuse as part of the underwriting process. Some insurance providers may inquire about a person’s drug use.
- Which kind of opioids, alcohol, marijuana, hallucinogens, sedatives, and illicit drugs have you consumed?
- What pharmaceuticals have you currently taken besides those prescribed to you?
- Other businesses might be more explicit in their inquiries, mentioning specific medications. If asked, for instance, “Have you ever taken methamphetamine, Ecstasy, special K, GHB, Rohypnol, Ketamine, or any other street drug in the last 12 months?”
- Please specify the sort of drug, how much you took, how frequently, and for how long. Do you recall your most recent drug use?
When you apply for insurance, your rights are safeguarded under the HIPPA legislation (Health Insurance Portability and Accountability Act of 1996). Your history of alcohol and drug abuse won’t be used against you by law enforcement. All of the details you provide on your application will be kept private and safe in accordance with HIPPA.
Check The Prescription history.
If you or a family member or acquaintance struggles with drug or alcohol addiction, you should look into their history of prescriptions. It will aid in figuring out whether or not the person uses drugs. In the event of an accident, the usage of drugs by him might be used against him as evidence.
Insurance companies electronically monitor prescription databases to obtain details about all prescription prescriptions you have ever filled as well as how frequently you have done so.
As part of the underwriting process, the insurer verifies your health status by asking you health-related questions. A medical expert will examine you to spot any “red flags” that might point to drug usage.
Common medications for Alcohol Abuse / Drug Abuse
Antabuse: Antabuse is a common drug used to treat alcohol and drug abuse because it has unpleasant side effects when alcohol is used, which makes people less likely to drink.
Acamprosate: This medication aids those who are dependent on alcohol in reducing cravings and encouraging cessation.
Naltrexone: This drug prevents the effects of alcohol, lowering cravings and lowering the risk of relapse.
Barbiturates: These drugs can help people who have difficulties falling or staying asleep, as well as stomach sleepers. These medications influence the central nervous system to induce relaxation and sleep.
Benzodiazepines: Due to their ability to reduce anxiety and induce sleep, these drugs are frequently used to treat insomnia and anxiety.
SSRIs: Selective serotonin reuptake inhibitors (SSRIs) are an antidepressant class that are used to treat alcoholism. By raising serotonin levels in the brain, SSRIs can aid in reducing cravings and preventing relapse.
Codeine: An opioid medication called codeine is used to alleviate coughing and pain. It has an addictive potential and could cause dependence.
Oxycodone:Synthetic opioid medication oxycodone is used to treat moderate to severe pain. It has an addictive potential and could cause dependence.
Dextromethorphan: Dextromethorphan is an antitussive drug that is used to treat coughing. It has an addictive potential and could cause dependence.
Fentanyl and analogs: Fentanyl and its analogues are synthetic opioid medications used to treat extremely painful conditions. It has an addictive potential and could cause dependence.
What is the advantage of burial insurance for Alcohol Abuse / Drug Abuse?
It offers financial assistance to the family of a victim of an accident or disease brought on by drug or alcohol usage.
It might assist with funeral expenses, which entail much more than merely burying your loved one in the ground. Additionally, it can pay for costs like funerals for other family members and friends, flowers, caskets, cremation, and other related costs.
Knowing that everything will be handled should the unimaginable occur gives comfort.
It’s a method to provide some financial stability for your family. It’s a method to contribute to the price of your funeral.
If you pass away while under the influence of alcohol or while in possession of illegal narcotics, you won’t have to pay for a funeral.
If you are dealing with a drug or alcohol addict, the claims filing procedure can be difficult and time-consuming. All the legalities will be taken care of by an insurance policy, so you won’t have to worry about them after you pass away.
The most effective type of insurance coverage for drug and alcohol abuse
Best insurance policy option for Alcohol Abuse / Drug Abuse
Drug Abuse Currently Use
You won’t be eligible for a level death benefit plan with first-day coverage from an insurance carrier if you use illicit or prescription drugs excessively. One of the most significant things the insurance provider takes into account is your present medication regimen.
If you were diagnosed, hospitalised, treated, or received counselling or treatment during the last two years, you might be qualified for a first-day benefit plan. Your coverage will begin on the first day, and your death benefit will gradually start to kick in. The first-day benefit plan is the greatest choice.
If you pass away from a drug-related cause, the corporation may impose a contestability period while looking into your drug history. The death benefit won’t be paid if you lied on your application. Drug abuse can result in high premiums or waiting periods, which can be mitigated by lying about it.
Drug Abuse Already Quit
If a person has a history of substance misuse, most life insurance companies won’t cover them until they’ve been sober for 18 to 2 years. Level death benefits with no waiting time and first-day coverage are available to former drug addicts who have maintained sobriety for at least two years.
It would be beneficial if you kept in mind that the insurance company to which you are applying will determine if you are eligible for a level death benefit plan. An independent life insurance company, like Funeral Funds, can offer professional guidance on your unique situation. Each life insurance provider has specific requirements for underwriting. A level death benefit plan with first-day coverage is the best choice.
Burial Insurance With Alcohol Abuse / Drug Abuse
Use of Tobacco
Because smoking can lead to a number of ailments, insurance companies consider it to be a higher-risk behaviour. Due to the tobacco rating, tobacco users pay two times more for life insurance. A person qualifies for the non-tobacco rate if they have abstained from smoking for at least a year. The best option is to get a level death benefit plan that offers first-day coverage.
Use of illicit drugs
In the past, if you were currently abusing various drugs, such as opium, methamphetamine, cocaine, and heroin, it might be difficult to get life insurance approval. Before going on to the next level of life insurance if you take drugs, the majority of firms will need 2–5 years of sobriety without a relapse or hospitalisation. For individuals who have been clean for more than two years, certain insurance companies will offer you first-day coverage.
The best option is to get a level death benefit plan that offers first-day coverage. You may be eligible for a guaranteed issue if you’re interested in burial insurance but have used illegal drugs in the past. There is only one sort of funeral insurance available to those who battle addiction, have recently been hospitalised, or have served time in prison: guaranteed issue.
Abuse of alcohol
Alcohol abuse and misuse are two examples of unhealthy behaviours associated with binge consuming large amounts of alcohol. Abuse of alcohol can lead to a number of health problems, such as depression and liver failure.
If you have a diagnosis of alcohol abuse, are given treatment advice, or have been receiving treatment for more than 24 months, several companies will provide first-day coverage. A level death benefit is your best bet. If you abuse alcohol or have used it within the past year, your best option for coverage would be a life insurance policy issued by a guaranteed issue business.
CBD oil consumer
The industry is becoming more accepting of those who use CBD oil as more American states legalise marijuana for medical purposes. If a person is taking CBD oil to treat a minor medical condition, they might be qualified for first-day coverage. If you are in good health and using CBD oil to treat your illness, you can be qualified for standard death benefits.
If you use CBD oil to address a serious medical condition, you are not eligible for a level death benefit plan. A life insurance policy with fixed repayment terms is available.
How much does burial insurance Alcohol Abuse / Drug Abuse cost?
Alcohol abuse costs are affected by a number of variables, including:
How much coverage you want:You can choose from many levels of coverage, starting with a basic plan that offers necessary protection at a moderate cost. While some insurance give a wider variety, others only offer a certain amount of security.
The sort of protection you choose: Some burial insurance policies solely pay for funeral costs, whilst others pay for burial or cemetery plots as well as funeral costs. Some insurance don’t allow for cremation at all, while others will cover the costs of cremation and burial.
Your policy’s limits: Most policies only provide coverage up to $10,000 or more, but some businesses provide policies that, in emergency situations, provide coverage of $50,000 or more.
How long your policy lasts:Your coverage may last up to 10 years on average, while longer-term policies may be obtained for an extra cost (up to 20 years).
Your age and state of health: If you’re young and in good condition, you probably won’t need more than $10,000 in insurance, but if you’re older or have health issues, it’s likely that you will.
How do I apply for burial insurance? Drug Abuse?
The procedure is simple to follow. You may discover the costs for our policies by completing the form on the right. Additionally, one of our authorised representatives will get in touch with you. We will get in touch with you after asking you a few health-related questions to confirm a few fundamentals and establish your insurance rate class. After receiving your responses, our agent will begin conducting field underwriting. Enrollment will start after underwriting is finished.
There are two ways to enrol. Both approaches are possible.
- The application is voice-signed by the insurance agent, you, and the carrier on a three-way call. It may also be accomplished with only you and the agent, depending on the carrier.
- The agent will send you an email with a link to DocuSign where you can electronically sign the documents. The carrier then makes a decision right away.
Instead of taking days or weeks, the process simply needs 30 minutes.
What Are Drug Abuse Mortality Risks
There are the following mortality hazards for drug users:
- Compared to non-users, they are more likely to be involved in accidents.
- Additionally, they have a higher risk of suicide than non-users.
- Drug users are more likely than non-users to get heart disease and stroke.
- Drug users frequently have a wide range of health issues, including diabetes, high blood pressure, and HIV/AIDS, which can result in early mortality (HIV stands for Human Immunodeficiency Virus).
- Because they may not wash their hands properly or share needles or intravenous equipment with others, drug users are more likely than non-users to contract respiratory infections like tuberculosis or pneumonia. This is because they may not be aware that the equipment is contaminated with hepatitis B or C. (hepatitis means liver disease).
How to Get Approved for Burial Insurance Alcohol Abuse?
In order to be eligible for coverage, let us know if you’ve previously been turned down. Your application for a new life insurance policy with a first-day benefit may now be accepted if you were previously rejected but have maintained sobriety since that time. You might find it helpful to know that the majority of life insurance companies need applicants to have abstained from alcohol for at least two years before they can be accepted. Your likelihood of being granted a new policy greatly rises if you have been clean for two years or more.
Even if you have a recent drug misuse issue, such as one that started this year, you are still eligible for burial insurance. However, there can be a waiting period and a greater premium to pay.
For the best price, BestBurialPolicy.com works with a number of life insurance providers. We are dedicated to helping you find the greatest life insurance plan to leave your loved ones with money after you pass away. We are aware that this is a trying time for you, and we want to make it as simple as we can for you.
To ensure that you receive the cheapest price, we collaborate with a number of different life insurance providers. To find the appropriate policy for your requirements, we will work with you. We are aware that every circumstance is distinct, and we will adjust our strategy to meet your specific requirements.
Please get in touch with us if you’re ready to start looking for the best policy for you.
A type of insurance called burial insurance pays for funeral and burial expenses. For those who wish to ensure that their loved ones are not financially responsible for paying for their funerals, this form of insurance is crucial. Abuse of alcohol and other drugs is a serious issue in the US. Because it is unlawful and can result in addiction, drug misuse is a serious issue because it places a heavy weight on society.