The Reality of Veteran Burial Costs: What the Veterans Administration Won't Cover

 

When it comes to the end of life, it's a topic most people would rather avoid. However, it's essential to know and understand the financial implications of our final moments, especially for veterans and their families. While the Veterans Administration (VA) does provide some benefits, they don't cover everything. This article aims to shed light on the expenses that the VA won't pay for and how to plan for them to ensure a smooth and dignified burial process.

1. The Staggering Expenses of Saying Goodbye

Before diving into what the Veterans Administration won't cover, let's first examine the primary costs associated with end-of-life services.

1.1 Funeral Costs

According to the National Funeral Directors Association, the average cost of a funeral with burial in 2021 is nearly $8,000, while the average cost of a funeral with cremation is close to $7,000. These figures only cover the transportation and preparation of the body and a small viewing. Additional services, such as a wake or memorial service, can increase these costs further.

1.2 Coffin Expenses

A quality coffin can be a significant expense, with an average price of $5,000. While some retailers like Amazon, Costco, and Walmart offer more affordable options under $1,000, high-end caskets can cost well over $10,000. For those looking for a simpler option like a pine box, it's crucial to research local regulations, as some states do not permit this type of burial.

1.3 Cemetery Fees

Cemetery costs can be another substantial financial burden for families. While some states allow biodegradable caskets and even natural burial preserves for eco-friendly interment, most do not. The price of a burial plot in a public cemetery ranges from $200 to $2,000, while private cemeteries can charge up to $5,000 in some areas. In urban locations, the cost of a gravesite alone can skyrocket to $25,000.

Cremation and interment of ashes also come with expenses, with plots costing up to $2,500. Additional fees include the cost of digging and filling the grave (over $3,000 in some cases) and administrative paperwork ($1,000 or more). Some high-end cemeteries even charge for "perpetual care," which covers cemetery maintenance costs such as landscaping.

1.4 Tombstone Prices

The price of a tombstone can vary greatly, from a modest $500 for a basic marker to $5,000 or more for an elaborate monument.

2. The Financial Challenges of Burial Arrangements

Unlike funeral homes, cemeteries are not regulated by the federal government and are not subject to the Federal Trade Commission's Funeral Rule. This rule requires an itemized bill so customers can choose the services they want to purchase. While some states have regulations in place, many do not. Furthermore, most funeral homes and cemeteries require upfront payment and may not offer lines of credit.

3. The Scope of VA Benefits for Burial Costs

While the Veterans Administration does provide some financial assistance for burial costs, it does not offer comprehensive coverage for all funeral-related expenses. To be eligible for these benefits, veterans must have an "other-than-dishonorable" discharge.

3.1 Headstones and Markers

The VA will provide most veterans with a free headstone or marker https://veteraninsurance.us/home/veterans-burial/. In addition, many states have programs to offer some type of burial or memorial benefits.

3.2 Burial and Plot Allowances

The VA offers a burial allowance to help offset funeral and burial costs for eligible veterans' families. This tax-free benefit is paid automatically, with some caveats. For example, if the veteran is eligible for a plot allowance, the VA requires receipts showing the actual cost paid.

·        If the death occurs while the veteran is hospitalized by the VA, a $893 burial allowance and $893 plot allowance are provided.

·        If the death is considered service-connected, the VA offers a burial allowance of up to $2,000 and may reimburse some of the costs of transporting remains.

·        For non-service-connected deaths, the VA pays a $300 burial allowance and $893 plot allowance.

·        For indigent veterans with no next of kin, the VA will furnish either a casket or cremation urn for interment in a national, state, or tribal veterans cemetery.

·        The Social Security Administration also provides a $255 death benefit.

These amounts typically change annually.

3.3 Cemetery Benefits

Veterans with other-than-dishonorable discharges are eligible for free burial in a national VA cemetery. However, space is limited, and the VA recommends requesting a pre-determination of burial eligibility to avoid delays. Most states also have their own veterans cemeteries with similar eligibility requirements.

In most cases, spouses are eligible for burial next to the veteran at little or no cost, and markers are provided. Arlington National Cemetery has limited space for burial but more availability for inurnment of cremated remains. Only specific veterans are eligible for burial at Arlington.

For those wishing to be buried in a civilian cemetery, the VA may pay a small fee for a plot allowance and provide a free headstone. Some states also help with burial costs and setting a headstone.

Veterans can also choose to be buried at sea from a Navy ship if desired.

4. Funeral Planning Tips for Veterans

Funeral directors can be valuable resources in navigating the complexities of burial benefits and arrangements. They are knowledgeable about VA paperwork and state benefits, ensuring that veterans and their families receive the assistance they are entitled to.

Additionally, it's advisable to make a plan ahead of time to ensure a smooth process when the time comes. This includes gathering important documents, discussing preferences with family members, and researching available benefits.

5. Staying Informed About Veteran Benefits

Military benefits are subject to change, so it's crucial to stay up-to-date on the latest information.

6. Conclusion

While the Veterans Administration offers some assistance with burial costs, it's essential to recognize that they do not cover the entire scope of funeral expenses. Knowing what the VA does and does not pay for can help veterans and their families prepare for the inevitable and ultimately reduce the financial burden during a challenging time.