Have you recently had a stroke? Here’s how a local life insurance agency can help you out.
If you or your loved one has suffered a stroke, you would know that the path to recovery can be highly unpredictable and long. It can be excessively costly. Hospitalization charges, medication, nursing facilities, ongoing therapy, and other costs all add up.
The good news is that all is not lost. By learning about insurance and taking advantage of the best options, you can get the services and coverage you deserve. Here are a few things you need to know about when you contact a local life insurance agency after a stroke.
Getting Life Insurance After A Stroke
When you apply for a life insurance plan after getting a stroke, you will have to go through a medical exam.
In this exam, you will be asked questions related to your medical history, family history, alcohol consumption, smoking habits, and other lifestyle choices. The person administering the exam will also measure your weight, height, blood pressure, and pulse. Based on these factors, a life insurance underwriter will determine if you’re eligible for the life insurance rate band.
Life insurance underwriters will take all of your risk factors into account when calculating your rates. Generally, the life insurance rates after a stroke will be higher simply because there’s a high risk of death after a stroke.
What Does a Local Life Insurance Agency Look for After A Stroke?
Life insurance agencies pay special attention to whether those with a history of stroke are taking the necessary steps to keep in under control. A comprehensive history of frequent medical checkups is also asked by the agency.
The life insurance will particularly look at the following things:
- Diagnosis report
- Date of diagnosis
- Age of diagnosis
- Cause of stroke
- What type of stroke did you have? E.g. Transient Ischemic Attack (TIA), Ischemic Stroke, or Hemorrhagic Stroke?
- What you have done since the time you were diagnosed
- The level of control as indicated by lab tests, medical records, and weight/height reports
- Whether you have had a surgery
- Treatment that you’re receiving
- Any other medical conditions or symptoms such as speech issues or muscle weakness
- Whether you’re a smoker.
Health Insurance Is Essential
Experts have discovered that stroke patients who have health insurance have a higher chance of getting the care they need. This helps them to recover more quickly and become healthier as compared to those who don’t have it.
Physical Changes Can Lead to Insurance Benefits
A stroke patient may be eligible for additional insurance coverage for rehabilitation therapies during the recovery phase if they experience any physical changes. For instance, speech or motor skills may either improve or get worse. In either case, check to see if the change qualifies you for additional insurance benefits. For instance, if a stroke survivor starts to walk again after being in a wheelchair, they may qualify for more therapy.
Last Few Words
Getting an insurance plan after a stroke is extremely important as it will help you recover faster and become healthy. For the best insurance plans following a stroke, get in touch with Bay Insurance Services.
