Does Medicare and Social Security Pay for Funerals?

Shawn Plummer

CEO, The Annuity Expert

Social Security Funeral Benefits

Social Security provides a one-time death benefit. This is a small payment of $255 that is only available if a surviving spouse or a child who is eligible for benefits on the deceased’s record exists. This benefit is not intended to cover all funeral expenses.

Medicare and Funeral Costs

Medicare, primarily a healthcare provider for seniors, does not cover funeral expenses. It is designed to aid with medical costs during life, not expenses post-death.

Alternative: Funeral Insurance

For covering funeral costs, consider purchasing funeral insurance, also known as burial or final expense insurance. This is a type of life insurance aimed specifically at covering funeral and burial expenses.


In summary, while Social Security offers a modest death benefit, it is not substantial for funeral costs. Medicare does not cover these costs. For comprehensive coverage, funeral insurance is a viable option. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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