Final Expense for Mentally Disabled Marine

[WinoBlues]

Right! My dad was not an Ex-Marine his entire adult life! But to the point: I just called on a lead who misunderstood what he was responding to, and told me he had it through the VA. When I replied with the usual "that's only for a grave site and marker" he answered, "I've got $10,000 of life insurance because I'm 100% disabled." Now, I have actually never heard of that, so I went to the VA site thinking he probably doesn't know what he's talking about. But, sure enough, there is, in some cases, free life insurance for service connected disability. I think there's a stipulation that the vet has to apply within 2 years of discharge. Are you thinking maybe our "not an ex-Marine" friend might qualify?

Aye.

Among others, the percentage of disability and dying in a VA hospital could be qualifiers.

 

[jdeasy]

Right! My dad was not an Ex-Marine his entire adult life! But to the point: I just called on a lead who misunderstood what he was responding to, and told me he had it through the VA. When I replied with the usual "that's only for a grave site and marker" he answered, "I've got $10,000 of life insurance because I'm 100% disabled." Now, I have actually never heard of that, so I went to the VA site thinking he probably doesn't know what he's talking about. But, sure enough, there is, in some cases, free life insurance for service connected disability. I think there's a stipulation that the vet has to apply within 2 years of discharge. Are you thinking maybe our "not an ex-Marine" friend might qualify?

He told you right. Some of them have the $10,000 and they don't pay for it. I believe it is for 100% disability due to military service.

 

[WinoBlues]

He told you right. Some of them have the $10,000 and they don't pay for it. I believe it is for 100% disability due to military service.

There was a time limit in applying for that after being notified of the disability. I believe it is not 100% disabled any longer.

However, there are other allowances available as well. They have changed Post 9/11.

Burial Benefits - Compensation

Lee

 

[jdeasy]

There was a time limit in applying for that after being notified of the disability. I believe it is not 100% disabled any longer.

However, there are other allowances available as well. They have changed Post 9/11.

Burial Benefits - Compensation

Lee

Maybe? I'm 40 miles north of the 101st Airborne at Fort Campbell, Ky. In fact I'm working down there tomorrow. I've run into it several times there where the person has that $10K policy.

 

[WinoBlues]

Maybe? I'm 40 miles north of the 101st Airborne at Fort Campbell, Ky. In fact I'm working down there tomorrow. I've run into it several times there where the person has that $10K policy.

I am a member of the American Legion, I will reach out to our Service and Benefits officer and see if I can get some clarification. I was talking to several Vets this morning at the post. As we were doing Honor Guard duty, Life Insurance naturally comes up.

This may also help.

Service-Disabled Veterans Insurance (S-DVI) - Life Insurance

 

[refiman1]

Ex-Marine that is in an institution
He is Mentally disabled/schizophrenia

Is there a company that will give him a final expense policy?

Does anyone know if he might qualify for any kind of government
assistance for a funeral. His problem started after 6 months in the Marines
and he was then discharged.

I may have a carrier for you. It for sure won't be a day one benefit, but could be approved as a graded 2 yr plan.

That would cover accidental immediately and pay between 110-120% of the premium from natural causes in the first two years.

If interested, let me know. Otherwise good luck to you in your search.

 

[sirherbie]

Speaking of the Va. I ran into a retired lady who worked for the Va for 30 yrs. Her husband is 78. She swears she has a $25k whole life for $33 a month she got to keep from the Va when she retired. Does the Va let you keep your Life benefits? I thought maybe she took out a $25k whole life 30 or 40 yrs ago and was paying with payroll deduction.

 

[Todd King]

I am a member of the American Legion, I will reach out to our Service and Benefits officer and see if I can get some clarification. I was talking to several Vets this morning at the post. As we were doing Honor Guard duty, Life Insurance naturally comes up.

This may also help.

Service-Disabled Veterans Insurance (S-DVI) - Life Insurance

Lee, thanks for the link. That explained one thing that I just couldn't understand. I knew that it was available (being a disabled vet myself), but I also knew it came at a price. Over the years I've ran across vets that told me they didn't have to pay anything. I wasn't aware that total disability waived the premiums on it. Now it makes sense.

 

[WinoBlues]

Lee, thanks for the link. That explained one thing that I just couldn't understand. I knew that it was available (being a disabled vet myself), but I also knew it came at a price. Over the years I've ran across vets that told me they didn't have to pay anything. I wasn't aware that total disability waived the premiums on it. Now it makes sense.

I am checking into it deeper. I am not sure what causes the premium to be waived.

The bigger problem is a lot of Vets think they have $10,000 because they heard about it or misread the information. I was supposed to go with the District service officer today to let two Vets in the VA hospital know that they did not have any Life insurance but they had the allowances. That and a lot of older Vets confuse the allowances and National Cemetery plot with a full funeral. They mostly still need Life Insurance.

 

[pcbinsurance]

A key point is, the Vet has to apply within 2 years from the date the VA grants their new service-connected disability. A lot of Veterans think they are covered when they are not.