final expense and VA work together to pay funeral costs

Does Final Expense and VA Work Together to Cover Funeral Costs?

For a veteran, choosing between final expense insurance and Veterans Affairs (VA) burial allowance is not an ultimatum. You can have both. It’s actually advised to have both because VA burial allowance is unlikely to cover the entire funeral cost by itself.

Having both of these is easier said than done. Final expense insurance is easily acquired, but VA burial allowance eligibility has its own hurdles. This article will examine the criteria for VA burial allowance eligibility and the expected cash value, along with how your expected cash value will influence the final expense insurance policy you choose.

VA burial allowance disqualifications

It’s important to understand disqualifying factors before going further. If you disqualify, then VA and final expense cannot work together by virtue of your inability to obtain VA burial allowance.

First, if your military career ended with you being dishonorably discharged, then you cannot get burial allowance. If you die while on active duty, then you cannot get VA burial allowance. The same applies if you try to get VA burial allowance while you’re serving a federal prison sentence, or if you’re serving as a member of congress.

How and where you die matters

Your death must occur under certain circumstances before you are able to qualify.

The circumstances for dying include dying:

  • As an outcome of a service-related disability
  • While in VA treatment facility
  • While traveling (with authorization) and at VA expense, to get treated at a VA facility
  • With an original claim for VA compensation (or pension pending) at the time of your death
  • While getting VA compensation
  • While eligible for the VA compensation at this time, you were receiving military retirement or disability payments

If one of these items describes you, then you can get VA coverage for your funeral. 

The amount you may qualify for

If you died on or after September 11, 2001, then you qualify for $2,000 (those who died prior to this date had VA compensation of $1,500). This is for service-related death.

For the burial allowance amounts for non-service-related deaths, the list will be written in the [starting to ending death date] – [amount of burial allowance; amount for burial plot]. Past dates are included to highlight consistency of burial allowance, and to show trends in increasing amounts for burial plots.

  • 10/1/20 to present – $300; $807
  • 10/1/19 to 9/30/20 – $300; $796
  • 10/1/18 to 9/30/19 – $300; $780
  • 10/1/17 to 9/30/18 – $300; $762
  • 10/1/16 to 9/30/17 – $300; $749
  • 10/1/15 to 9/30/16 – $300; $747

Impact on choosing a final expense insurance policy

The added death benefit here may influence one to purchase a final expense policy with a smaller overall death benefit. But it could also be argued that a final expense insurance policy should be purchased independently of how much money is dispersed from other sources. Regardless, the end result is additional funds for your loved ones to receive.

Final expense insurance is easy to join, and you can easily have a policy through a phone call alone. Call us today at 1-877-674-0236 if you would like to receive a free quote.


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