The Cost of Dying

It’s something we don’t like to think about, but at some point, we all have to face it: what happens after we’re gone? Maybe you imagine a big funeral with lots of people, or perhaps a simple ceremony with just close family. Either way, funerals aren’t cheap, and veterans often wonder if the VA will cover the costs. The short answer is, not entirely.

First, let’s talk about the typical costs involved. Funeral services alone can be expensive. On average, a funeral with burial costs nearly $8,000, while cremation comes in just shy of $7,000. These prices generally include transporting the body and holding a basic viewing. However, adding extra services, like a larger wake or a ceremony, will bump up the cost even more.

Then there's the casket. If you want something elaborate, you're looking at about $5,000, though some can run as high as $10,000. For those who prefer simpler options, places like Costco and Walmart offer caskets for under $1,000. If you're thinking of going for a basic pine box, make sure to check state regulations because some don’t allow it.

Cemeteries are another major expense. A plot in a public cemetery can cost anywhere from $200 to $2,000, while private cemeteries could charge as much as $5,000 or more. If you’re in a large city, the price could soar up to $25,000 just for the plot. And that’s not counting the additional charges to dig and fill the grave, which can easily add another $3,000 to the bill. You may also have to pay a fee for perpetual care, which covers maintenance like mowing the grass and planting flowers.

But what about veterans? Doesn’t the VA cover burial costs? The VA does offer some help, but it's not as comprehensive as many assume. For instance, the VA will provide a free headstone or marker for eligible veterans, and there’s some financial support available. If a veteran’s death is service-connected, the family may receive up to $2,000 toward burial costs. For non-service-related deaths, the amount is much lower, around $948. Additionally, the VA offers the same amount to help with a burial plot, and they may help with transportation costs if the veteran passes away in a VA hospital.

For veterans with no family, the VA will furnish either a casket or cremation urn if the burial takes place in a VA, state, or tribal veterans cemetery. The Social Security Administration also offers a small death benefit of $255, but these numbers tend to fluctuate.

Speaking of cemeteries, veterans with an “other-than-dishonorable” discharge are eligible for free burial in a national VA cemetery. Space is limited, though, so it’s a good idea to get pre-approved for eligibility to avoid delays. Many states have their own veterans’ cemeteries, with similar requirements to federal ones, and veterans' spouses are typically allowed to be buried alongside them at no extra cost.

If you’re hoping for burial in Arlington National Cemetery, be aware that it’s getting crowded. Full burials are restricted to certain veterans, though there’s more space for inurnments if cremation is your choice.

For those considering a civilian cemetery, the VA can pay a small plot allowance and provide a headstone at no charge. Some states may also offer additional assistance, such as covering part of the burial costs or the headstone setting.

It’s important to note, though, that not all funeral directors are fully informed about veteran benefits. Funeral homes are for-profit businesses, and they don’t necessarily benefit if you choose to use VA-provided services, like a free government headstone. In some cases, funeral directors may not be aware of certain benefits veterans are entitled to or how to properly file for them. That’s why it’s crucial to do your own research and be informed about what you or your family are eligible for.

At a minimum, it’s best to consult with a certified Veteran Service Officer (VSO) or work with nonprofits trained in filing veterans' benefits. These professionals can guide you through the process, making sure you take full advantage of the support available without unnecessary costs.

One thing is clear: planning ahead is essential. Funeral directors can assist with certain aspects, but ensuring you’re getting the full range of benefits often requires working with someone who understands the complex rules around veterans' burial benefits.

Though it’s uncomfortable to think about, making burial arrangements and understanding the benefits available can go a long way toward easing the burden on loved ones when the time comes. It’s always a good idea to stay informed about your military benefits, as they tend to change over time. Keeping up with updates will ensure you and your family are ready when the need arises.