Yes, a man can claim his insurance after the age of 65 in the USA, but it depends on the type of insurance. Here’s a breakdown:
✅ 1. Life Insurance
- Term Life Insurance: If the policy hasn’t expired by age 65, and the person passes away while covered, the beneficiary can claim the death benefit.
- Whole Life or Permanent Insurance: These policies do not expire as long as premiums are paid. You can access cash value or beneficiaries can claim the payout after death.
✔️ Can claim after 65?
✅ Yes (if the policy is still active).
✅ 2. Health Insurance
At age 65, most Americans become eligible for Medicare (federal health insurance for seniors).
- If you had private health insurance, it may continue as a Medicare supplement or convert into a senior plan.
- You can still file claims with Medicare or private insurers for medical expenses after 65.
✔️ Can claim after 65?
✅ Yes (through Medicare or private plans).
✅ 3. Auto Insurance
- You can still file auto insurance claims for accidents or damages after age 65.
- Age may affect premium cost, but claim eligibility remains.
✔️ Can claim after 65?
✅ Yes.
✅ 4. Homeowners/Renters Insurance
- Coverage continues regardless of age as long as premiums are paid.
- You can claim for damages (fire, theft, etc.) at any age.
✔️ Can claim after 65?
✅ Yes.
❌ 5. Disability Insurance
- Most long-term disability insurance policies stop providing coverage or new benefits after age 65 or 67.
- If you’re already receiving benefits before 65, they may continue for a few years depending on the policy.
✔️ Can claim after 65?
🚫 Usually not (unless already on benefits).
Summary
| Insurance Type | Claim After 65? | Notes |
|---|---|---|
| Life Insurance | ✅ Yes | If policy is active or permanent |
| Health Insurance | ✅ Yes | Medicare kicks in at 65 |
| Auto Insurance | ✅ Yes | No age limit on claims |
| Homeowners Insurance | ✅ Yes | Coverage continues with active policy |
| Disability Insurance | ❌ Usually No | Ends around retirement age unless already claimed |