Can someone with autism get life insurance?
Asked by: Edwina Jacobson | Last update: November 22, 2025Score: 4.3/5 (62 votes)
What is the best life insurance for autism?
Whole life insurance is the best option for life insurance for autistic children. You can add an autistic child as a rider.
Can life insurance be denied for autism?
However, if you have moderate to severe health conditions, carriers will place a table rating or even decline your application. The same can be said about people with autism. It's important you know your chances of getting approved for life insurance BEFORE you apply.
Can autistic people get insurance?
Anyone qualifying as having a special health care condition (which may include autism) may be eligible to get insurance at a lower cost through Healthcare.gov. Learn more about insurance for people with special health care needs. Healthcare.gov offers specific advice about health insurance options for young adults.
Does ASD affect life insurance?
While insurers will ask questions about your diagnosis, Asperger's syndrome shouldn't stop you getting the life cover that you need. Even though you are disclosing a medical condition, this won't affect how your policy works and it should provide the same of coverage as it would for anyone else.
Autism & Life Insurance
Is autism a disability for insurance?
Autism is a disability under the ADA. Some adults and children with autism can access Social Security benefits, including disability benefits and Supplemental Security Income (SSI).
What is the leading cause of death for people with ASD?
Because suffocation, asphyxiation, and drowning are the leading injury causes of death for individuals with autism, prevention programs specifically targeting these risks must be developed and implemented.
Can autistic adults get life insurance?
Individuals with autism have access to several types of life insurance, depending on the severity of their condition and overall health. Term life insurance is often the most affordable option and provides coverage for a set period, such as 10, 20, or 30 years.
What benefits do autistic adults get?
There are many public benefit programs that are available to Autistic adults. Most benefit programs are designed to meet essential needs such as health insurance, food assistance, income subsidies, employment assistance, independent living skills, and transportation.
Can someone with special needs get life insurance?
People with disabilities can still qualify for life insurance, especially if they are in good health besides their disability. In fact, denying coverage solely based on disability may violate the Americans with Disabilities Act.
Is autism a protected disability?
When thinking about how to best accommodate employees with ASD, it's important to note that ASD is a protected disability under the American with Disabilities Act (ADA). Legally, employers must provide reasonable accommodations for employees to perform essential functions.
Can adults with autism stay on parents insurance?
CA law allows your incapacitated, handicapped, mentally ill or #disabled child over 26 to remain on the parents group or individual policy, indefinitely, as long as they were disabled before that.
What is the average life expectancy for someone with autism?
Furthermore, individuals with Autism generally succumb to health complications approximately 15 to 20 years earlier than the general population. Longitudinal studies that followed people with Autism for over 20 years found that the average life expectancy ranges between 39 years and 58 years.
How much does Social Security pay for autism?
The maximum possible disability benefit for autism in 2024 is $943 per month for SSI and about $3,822 per month for SSDI. These maximums apply regardless of what condition you have or whether you apply with one condition or multiple. The actual amount you'll receive depends on your specific circumstances.
Does Blue Cross Blue Shield cover autism?
As of 2024, over 40 states in the US have enacted laws requiring insurance coverage for ABA therapy for individuals diagnosed with autism spectrum disorder (ASD). Consequently, numerous private health insurance plans, including those offered by Blue Cross Blue Shield, now include ABA therapy as a covered service.
Does the government give you money for being autistic?
Supplemental Security Income, or SSI, is a monthly government payment through Social Security which is designed to support people who are aged (65 and older), blind, or disabled. Individuals with autism may be eligible to receive SSI to help support them financially.
What happens to autistic adults as they age?
They may struggle to form relationships or find employment, which can lead to feelings of isolation and anxiety. Additionally, some people with autism may experience sensory overload as they get older. This can make it difficult to tolerate loud noises, bright lights, or crowded spaces.
What is the best state for adults with autism?
Massachusetts
Massachusetts is a great state for adults with autism, thanks to its strong healthcare system and abundance of autism services.
What does insurance cover for autism?
Overview of Insurance Coverage
Many health insurance plans provide coverage for autism-related services, including therapies and behavioral interventions. According to Cleveland Clinic, these services are essential for individuals with autism to receive the necessary support and treatment.
What is disability life insurance?
As its name suggests, disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability. In the United States, individuals can obtain disability insurance from the government through the Social Security System.
Can you get permanent disability for autism?
Adults and children with autism who have serious difficulty with interpersonal communication may qualify for SSDI or SSI benefits. Autism is a developmental disorder that impairs the ability to communicate and interact with other people.
Does ASD get worse with age?
A: According to research, autism itself does not get worse with age. However, that research also found that certain symptoms become more challenging as individuals with autism grow older.
Why do autistic people have a lower life expectancy?
Many individuals with autism have additional medical and psychiatric conditions, such as epilepsy, gastrointestinal disorders, and mental health disorders, which can impact their overall health and well-being. These co-occurring conditions may contribute to increased mortality rates and a reduced life span.
Why do people with autism like trains?
Repetitive Patterns and Predictability: Trains often follow consistent schedules and routes, which can be comforting for individuals with autism who appreciate repetition and predictability. Visual Stimulation: The visual aspects of trains, such as the tracks, locomotives, and carriages, can be visually captivating.