The Social Security Death Benefit Is Only $255 — Here Is What Fills the Gap

The $255 Social Security Death Benefit

When a Social Security recipient passes, the government provides a one-time death benefit of $255. This has not been meaningfully increased since 1954.

The average funeral today costs $7,000 to $12,000.

That leaves a gap of roughly $6,700 to $11,700 that your family must cover.

Other Government Benefits Don’t Cover It Either

Medicare does not cover funeral costs. Medicaid death benefits in most states are also minimal. VA burial benefits help eligible veterans but have specific limits.

What Families Do Without Insurance

Without life insurance, adult children and siblings typically absorb the funeral cost — often using credit cards, savings, or loans. Financial stress layered on top of grief can damage family relationships for years.

Final Expense Insurance Closes the Gap

A $10,000 to $15,000 policy ensures the full cost of a funeral and final expenses is covered. One policy. One affordable premium. Complete protection from day one.

Close your coverage gap today — free quote

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