The typical final expense burial insurance covers the service and burial costs associated with a traditional funeral. This includes, but is not limited to: caskets, coffins, urns, memorial service venues, clergy fees and flowers. Benefits can also be used to cover:
• Cremation costs
• Travel expenses for family to attend funeral service (if desired)
• Death certificate and legal fees (will preparation) if applicable
• Medical bills
In addition to covering these expenses you may want to consider adding on additional coverage options such as: medical bills from hospital stays or prescription drugs; long-term care facility costs; home modifications (elevators); home care services such as assistance bathing/dressing/feeding etc.; funeral pre-planning expenses including burial plot purchase or cemetery lot purchase fee (if desired); additional living expenses after death such as mortgage payments
Travel expenses for family to attend funeral service
With final expense burial insurance, you can help cover travel expenses for family members to attend your funeral service if they live out of state or even another country. If you're worried about being buried far away from home, this coverage is a must-have.
Death certificate and legal fees
Death certificate and legal fees are two additional expenses that you will have to pay when someone in your family passes away. The cost of these items varies depending on where you live, but they generally range anywhere from $50-$200.
As for who is responsible for paying these costs, it depends on whether or not the deceased had any life insurance policies in place at the time of death. If they did not have any policies, then these expenses will be covered by whoever purchased burial insurance (or even if no one did). However, if there were policies in place through an employer or other entity prior to death then those entities would be responsible for covering those costs as well.
Medical bills
If you're diagnosed with a terminal illness, your medical bills are covered. If you have a long-term illness or disability, your medical bills are also covered. Finally, if you have a chronic illness that requires ongoing treatment and/or medication (such as asthma), then those costs will be reimbursed as well.