How to get reimbursed for COVID 19 funeral expenses

Mueller Memorial • March 30, 2021

How to get reimbursed for COVID 19 funeral expenses

What is COVID-19 Funeral Assistance?

We’ve had several questions here at Mueller Memorial about FEMA reimbursing funeral expenses in response to the COVID-19 pandemic and wanted to let you know that it is true, this is happening.

Under the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 and the American Rescue Plan Act of 2021, FEMA will provide financial assistance for COVID-19-related funeral expenses incurred after January 20, 2020, in the amount of the actual funeral expenses, up to $9,000.

Members of our staff recently joined an informational call on this topic with Lesley Witter, Senior Vice President, Advocacy for the National Funeral Directors’ Association and FEMA’s Federal Coordinating Officer, Nancy Casper.

Below is Mueller Memorial Funeral and Cremation Services’ general summary of that information combined with additional information found on FEMA’s official website: https://www.fema.gov/disasters/coronavirus/economic/funeral-assistance

Who is Eligible?

In short, the applicant (survivor) must be a U.S. citizen, who has documentation that they paid for funeral services for someone who died after Jan 20 2020 with COVID-19 listed as either a primary or a contributing factor on the decedent’s death certificate.

There can generally be only one application and one payment per decedent. The person who applies must be able to prove that they paid for all or part of the services. There can also be one co-applicant.*(more below)

To be eligible for funeral assistance, you must meet these conditions:

The death must have occurred in the United States, including the U.S. territories, and the District of Columbia.
The death certificate must indicate the death was attributed to COVID-19 as a primary or contributing factor.
The applicant must be a U.S. citizen, non-citizen national, or qualified alien who incurred funeral expenses after January 20, 2020.
There is no requirement for the deceased person to have been a U.S. citizen, non-citizen national, or qualified alien.

What funeral expenses are covered?

COVID-19 Funeral Assistance will assist with expenses for funeral services and interment or cremation. Any receipts received for expenses that are not related to funeral services will not be determined eligible expenses. Expenses for funeral services and interment or cremation typically include, but are not limited to:

Transportation for up to two individuals to identify the deceased individual (not to travel to the funeral)
Transfer of remains
Casket or urn
Burial plot or cremation niche
Gravesite opening and closing fees
Marker or headstone
Clergy or officiant services
Arrangement of the funeral ceremony
Use of funeral home equipment or staff
Cremation or interment costs
Costs associated with producing and certifying multiple death certificates
Additional expenses mandated by any applicable local or state government laws or ordinances

It was suggested by Nancy Casper from FEMA that you wait to apply for assistance until you have all eligible receipts. So if you have yet to make a final purchase of a grave marker or headstone, or if you delayed hosting a service or Mass, wait until you incur and pay for those expenses before applying for assistance. Keeping in mind that applying for assistance does not guarantee you will receive it, in part or in full.

How to Apply

*****

YOU CAN ONLY APPLY BY PHONE AT:

COVID-19 Funeral Assistance Line Number

Applications began on April 12, 2021

844-684-6333 | TTY: 800-462-7585

Hours of Operation:

Monday - Friday

8 a.m. to 8 p.m. Central Time

*****

In April 2021, FEMA began accepting applications. There is currently no deadline for applications to be submitted and it sounds like it will be continuing through 2025. FEMA has set up a dedicated toll-free phone number that can be used to apply for funeral assistance. You will need to call 844-684-6333 to get an application completed with help from FEMA's representatives.

No online applications will be accepted.
Multilingual services are available and the TTY number is 800-462-7585

The only way to begin the application process is over the phone at 844-684-6333

Once an applicant has applied for COVID-19 Funeral Assistance and is provided an application number, they will provide supporting documentation to FEMA a few ways:

Upload to their DisasterAssistance.gov account (fastest)
Fax documents
Mail documents (slowest)

What Documents Do I Need?

If you had COVID-19 funeral expenses and plan to apply for assistance in April 2021, FEMA encourages you to keep and gather documentation. Types of information should include:

An official death certificate that attributes the death directly or indirectly to COVID-19 and shows that the death occurred in the United States, including the U.S. territories, and the District of Columbia.
Funeral expenses documents (receipts, funeral home contract, etc.) that includes:
o the applicant’s name
o the deceased person’s name
o the amount of funeral expenses
o the dates the funeral expenses happened
Mueller Memorial will provide the individual(s) who paid for the funeral expenses through us with documents meeting these requirements.
Proof of funds received from other sources specifically for use toward funeral costs. FEMA is not able to duplicate benefits received from burial or funeral insurance, financial assistance received from voluntary agencies, government agencies, county assistance, or other sources. (You do NOT need to report funds received from general life insurance which were not specifically assigned or designated to pay for funeral expenses.)

How are Funds Received

If you are eligible for funeral assistance you will receive a check by mail, or funds by direct deposit, depending on which option you choose when you apply for assistance.

What About Fraud?

The only way to begin the application process is by an applicant calling FEMA's phone number at 844-684-6333. FEMA will not call you first.

FEMA takes many actions to prevent fraud, but be aware that predatory criminals are already attempting to defraud survivors. Ways you can help avoid fraud:

Be very critical of anyone offering to help you. No one from FEMA will reach out offering to register you for funeral assistance, and FEMA will NOT contact people prior to them registering for assistance.
FEMA will not contact you via email before you register.
FEMA will not call you before you register.
There will be no online registration. You will register by phone and only submit documents online AFTER you’ve registered.
When looking for information online look for the fema.gov web address
Do not disclose information such as the name, birth date, or social security number of any deceased family member to any unsolicited telephone calls or e-mails from anyone claiming to be a federal employee or from FEMA.

The death certificate doesn’t attribute the death to COVID-19. How do I get a death certificate amended?

A funeral home or cremation provider has no control over what is listed as the cause of death on a death certificate.

If accurate and necessary, it is possible to change or amend a death certificate. This process starts with contacting the person who certified the death. This may be a treating doctor, a coroner or a medical examiner, and their name and address is on the death certificate. Applicants may present evidence to them to support the claim the death was attributable to COVID-19. This process cannot be initiated nor resolved by your funeral home.

* Someone else helped me pay for funeral expenses. Can they apply for COVID-19 Funeral Assistance?

FEMA will generally only provide COVID-19 Funeral Assistance to one applicant per deceased individual.

To be approved for reimbursement of funeral expenses due to a COVID-19 fatality, you must have incurred funeral expenses for the deceased individual and have documentation (receipts, funeral home contracts, etc.) showing your name as the responsible party.

We recognize that multiple individuals may have contributed to funeral expenses for one deceased individual. FEMA will work with applicants in these situations and those who submit multiple receipts for funeral expenses when their name does not appear on the receipt.

If more than one individual contributed toward funeral expenses, they must register with FEMA under the same application as the applicant and co-applicant, or the first applicant that submits all required documentation will be awarded COVID-19 Funeral Assistance for the deceased individual. No more than one co-applicant can be included on an application.

What is Mueller Memorial Doing?

We have gone through all files and receipts from Jan 20, 2020 through today and, to the best of our ability, prepared FEMA-conforming funeral expense documentation for families who experienced a death officially attributed to COVID-19. On April 9th 2020 we mailed those documents out to the people who paid for those COVID-related funeral expenses.

Mueller Memorial will, of course, not charge a fee for preparing this documentation and per FEMA regulation, no funeral home or cremation provider has the right to charge you for that.

We are aware that there are often different people within a family who; signed the contract, are recognized are the next of kin, or had power of attorney, etc. but FEMA’s position seems clear that the individual who paid for the services is the one eligible for financial assistance.

As a courtesy, we have proactively made our best effort to reach out to all the individuals who paid for services resulting from COVID-19. However, in any circumstance and especially if we do not have adequate contact information, it is entirely the responsibility of the person wishing to apply for funeral assistance to request funeral expense documentation from Mueller Memorial by calling us at 651-774-9797 or emailing us at info@muellermemorial.com

FEMA is very clear that funeral providers, including Mueller Memorial, are not allowed to apply for funeral expense reimbursement on a family’s behalf.

Choosing a Cremation Provider

By Scott Mueller • May 26, 2026

Cremation Services Near You: Compassionate Choices for Your Family's Needs By Scott Mueller , Mueller Memorial Funeral & Cremation Choosing cremation services is a significant decision that can deeply impact families during a challenging time. Understanding the various options available locally can help families make informed choices that align with their values and needs. This article will explore the types of cremation services, key considerations for selecting a provider, and how to navigate the costs associated with these services. Additionally, we will discuss the importance of preplanning and the legal requirements in Minnesota, ensuring families are well-prepared for the process ahead. By the end of this guide, you will have a comprehensive understanding of cremation services available near you, including insights into personalized care and support options. Types of Services Offered: Cremation services encompass a variety of options designed to meet the diverse needs of families. Understanding these options is crucial for making an informed decision that honors the memory of a loved one. The primary types of cremation services include: Direct Cremation : This is a straightforward process where the body is cremated shortly after death, without a formal viewing or service beforehand. It is often the most cost-effective option. Witnessed Cremation : This service allows family members to be present during the cremation process, providing a sense of closure and participation in the farewell. Memorial Services : These services can be held before or after the cremation and often include a gathering of family and friends to celebrate the life of the deceased. Understanding these options can help families choose the service that best fits their needs and preferences. Key Considerations for Selecting a Provider: When selecting a cremation service provider, several key factors should be considered to ensure that the chosen provider aligns with your family's values and needs. Important considerations include: Reputation of the Provider : Researching the provider's reputation through reviews and testimonials can provide insight into the quality of service offered. Transparency in Pricing : It's essential to understand the pricing structure and ensure there are no hidden fees. A reputable provider will offer clear and transparent pricing. Local Ownership Benefits : Choosing a locally owned provider can often lead to more personalized service and a better understanding of community needs. For families in the St. Paul and White Bear Lake areas, contacting Mueller Memorial Funeral and Cremation Services can provide compassionate support and guidance through the cremation process. Accommodating Diverse Family Needs: Cremation services can be tailored to accommodate the unique needs of each family. Personalization is key in ensuring that the service reflects the values and wishes of the deceased and their loved ones. Factors to consider include: Personalization of Services : Many providers offer customizable options, allowing families to create a service that honors their loved one’s life and legacy. Flexibility in Service Options : Families can choose from various service formats, including traditional memorials or more contemporary celebrations of life. Grief Support Availability : Access to grief support services can be invaluable for families navigating their loss, ensuring they have the resources needed during this difficult time. What Are the Different Types of Cremation Services Available Locally? Understanding the specific types of cremation services available in your area can help families make informed decisions. Here are the primary options: Direct Cremation : This option is often the most affordable and straightforward, allowing families to focus on their grief without the added stress of planning a service. Traditional Cremation : This service includes a viewing or visitation before the cremation, providing an opportunity for family and friends to say their goodbyes. Memorial Services : These can be held at a later date and may include personalized elements such as music, readings, and shared memories. How Does Direct Cremation Provide Affordable and Simple Options? Direct cremation offers a cost-effective solution for families looking for simplicity. The process typically involves minimal arrangements, allowing for a straightforward transition. Families can save on costs associated with traditional funerals, such as caskets and extensive services. This option is particularly beneficial for those who prioritize affordability and wish to focus on memorializing their loved one in a way that feels right for them. What Are Traditional and Memorial Cremation Services? Traditional and memorial cremation services provide families with more structured options. Traditional cremation includes a viewing or service prior to the cremation, allowing for a formal farewell. Memorial services, on the other hand, can take place after the cremation and can be tailored to reflect the deceased's personality and preferences. Both options offer families the chance to gather and celebrate the life of their loved one in a meaningful way. How Can You Understand and Compare Cremation Service Costs? Navigating the costs associated with cremation services can be challenging. Understanding the factors that influence pricing is essential for making informed decisions. Key elements to consider include: Service Type : Different types of cremation services come with varying costs, with direct cremation typically being the most affordable. Provider Reputation : Established providers may charge more due to their reputation and the quality of service offered. Local Market Conditions : Prices can vary based on the local market, so it's important to compare options within your area. What Factors Influence Pricing for Local Cremation Providers? Several factors can influence the pricing of cremation services, including: Service Type : The choice between direct cremation and traditional services can significantly impact costs. Provider Reputation : Well-reviewed providers may charge higher fees due to their established trust and quality of service. Local Market Conditions : Prices may vary based on regional demand and competition among providers. Are There Transparent Payment Plans and Prepaid Cremation Options? Many cremation service providers offer transparent payment plans and prepaid options to help families manage costs. Prepaid cremation plans allow individuals to secure their arrangements in advance, often at today's prices, which can alleviate financial burdens for loved ones later. It's essential to inquire about the details of these plans, including any potential fees or conditions. What Should You Know About Cremation Planning and Legal Requirements in Minnesota? Understanding the legal requirements surrounding cremation in Minnesota is crucial for families. Key aspects include: Legal Next of Kin : The law typically requires that the next of kin authorize the cremation process. Necessary Legal Documents : Families may need to provide specific documentation, such as a death certificate, to proceed with cremation. State Regulations : Familiarizing yourself with state regulations can help ensure compliance and a smoother process. It's important to recognize that while a deceased person's wishes may be expressed in a will, the legal authority to decide on burial or cremation typically rests with the next of kin, as wills are often read after such decisions have been made. Who Decides on Burial or Cremation? Legal Aspects Every human being will eventually die. With death all rights to autonomy and self-determination ends. Not even the wish a living person expressed in a will concerning the disposal of his body has any legal effect. The decision whether a burial or a cremation should take place after death is left to those who stay behind.2Family members might feel a moral obligation to fulfil the deceased's wishes as pronounced in a will, but this can only happen if the contents of a will are known to the family members as a will is usually only read after the burial or cremation takes place. A difficulty for funeral undertakers is that as they have no legal guidance of whose wishes should be honoured or who should Burial or cremation-who decides?, M Slabbert, 2016 How Does Preplanning Ease the Cremation Process for Families? Preplanning cremation services can significantly ease the burden on families during a time of grief. By making arrangements in advance, individuals can: Clarify Wishes : Preplanning allows individuals to express their preferences regarding cremation and memorial services. Provide Peace of Mind : Knowing that arrangements are in place can provide comfort to both the individual and their loved ones. Financial Considerations : Preplanning can also help manage costs, as families can lock in prices and avoid inflation. What Local Laws and Regulations Affect Cremation Services? Local laws and regulations can impact the cremation process. Families should be aware of: Hierarchy of Next of Kin : Understanding who has the legal authority to make decisions regarding cremation is essential. Required Documentation : Familiarity with the necessary paperwork can help streamline the process. Prearranged Funeral Laws : Some states have specific laws governing prearranged funeral services, which can affect how families plan. How Can You Choose Meaningful Memorialization and Urn Options? Selecting the right urn and memorialization options is an important aspect of the cremation process. Families should consider: Types of Urns : There are various urn options available, including biodegradable urns, traditional urns, and keepsake urns for sharing ashes among family members. Personalization Options : Many urns can be customized with engravings or designs that reflect the personality of the deceased. Cultural Considerations : Some families may wish to incorporate cultural or religious elements into their memorialization choices. What Are Popular Cremation Urns and Keepsake Choices? When selecting urns, families have a variety of options to choose from, including: Traditional Urns : Often made from materials like metal or ceramic, these urns provide a classic option for memorialization. Biodegradable Urns : Designed to break down naturally, these urns are ideal for families seeking eco-friendly options. Keepsake Urns : Smaller urns that allow families to share a portion of ashes among loved ones, providing a personal connection. How Do Eco-Friendly Cremation Alternatives Support Sustainable Memorials? Eco-friendly cremation options are becoming increasingly popular as families seek sustainable ways to honor their loved ones. Options include: Water Cremation : Also known as alkaline hydrolysis, this method uses water and potassium hydroxide to reduce the body to its basic elements, offering a more environmentally friendly alternative to traditional cremation. Green Burial Options : These practices focus on natural decomposition and minimal environmental impact, often using biodegradable materials for burial. Environmental Impact : Choosing eco-friendly options can significantly reduce the carbon footprint associated with traditional cremation and burial practices.