Getting Financial Help

Financial Help For Funerals

financial.help.funerals.jpgWhen faced with the expenses associated with a funeral service, many people may not be aware of the financial benefits available to eligible survivors to offset some of the expenses incurred. The following is not an exhaustive list but are considered to be the most common financial assistance available. It should be noted however that each benefit may vary depending on the state and county in which you reside.

Social Security Benefits

If the deceased has worked and paid social security taxes, certain survivors may be eligible for a lump sum death payment. Up to ten years of work is needed to be eligible for benefits. Beneficiaries can include the spouse, children, or parents of the deceased. If the surviving spouse is living at the time of death, they are eligible for this benefit. The benefits are based on the deceased earning record for the month of death.  A lump sum of $255 will be given to the spouse or if no spouse exists, to the dependent child.  In order to apply for this benefit, you need to contact the Social Security office at 1-800-772-1213 or go to their website at www.ssa.gov for more information or online filing.

Social Assistance

For individuals who die without an estate or financial resources, the cost of services are generally taken care of by the county of social services. Although funding provided may differ per individual, funeral services provided usually include the funeral director’s professional services,  use of facility and equipment,  legal filings, transportation of the remains, provision of cloth covered casket, clothing, grave with opening, cremation services, funeral notice, and clergy honorarium.  

Military Veterans

The U.S. Department of Veteran Affairs (VA) offers a wide range of benefits and services to honor the nation’s deceased veteran. Typically they pay an allowance of $2,000 for veterans who died in the line of duty. For others, they pay $300 for burial and funeral services and an additional $300 for the plot. They will also furnish a mark on the grave of an eligible veteran. There are 120 national cemeteries throughout the U.S. with available space and benefits may include a gravesite, opening and closing of the grave, perpetual care, a government headstone, burial flag, and Presidential Certificate. There is no time restriction for claiming this benefit if the death was service related. If it was not service related, the claim must be filed within two years of the death. For more information, check out www.va.gov

Active Service Members

The Armed Forces will pay all funeral costs and benefits for those who were killed in the line of duty. Further, an insurance policy ranging from $125,000-$250,000 may also be paid out to the beneficiary. An immediate $6,000 is provided to assist with the initial expenses. Children or the dependent of the deceased will also receive education benefits and a monthly check along with the spouse.

Worker’s Compensation

If death occurs at a job site as a result of an accident, the Worker’s Compensation Commission will pay a death expense towards funeral expenses. The maximum benefits do vary from state to state and a few states such as Louisiana, New Mexico and Rhode Island are not applicable for this benefit.  Benefits range from $2,000-$10,000 with one state and a few paying all the expenses. Some provide the headstone and body transportation. Members of certain organizations such as the volunteer fire department, emergency medical, and rescue service may receive additional funds. It is best to check with your state’s Workman’s Compensation organization for what benefits apply in your geographic area.

Crime Victims Compensation

Some states provide benefits for deaths related to criminal activity and may pay up to $2,500 towards funeral expenses.

Company and Union

If the deceased was a member of a union through his employment, there may be benefits available from the union or employer.

Life Insurance

This is the most common benefit known to most people. The funeral director may assist in the claim forms and other types of documentation required by the insurance company. Some insurance companies may only require a certified copy of the Death Certificate to process the claim.

Fraternal Organizations

Some fraternal organizations may provide benefits. If your loved one was part of an organization such as this, you may have benefits. Most families are not aware this one exists, so check and ask the specific organization the deceased belonged to.

Bereavement Airfares

Airfare for the bereaved on a domestic and international level are available. Check with your preferred airline to see what benefits you have. In the event one must travel unexpectedly to another location for funeral arrangements due to a death, airlines may provide a free or discounted rate to the surviving family members.

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