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If you can make payments, that's a good thing, or put it on a credit card if you can. Don't let them talk you into buying more than a couple of death certificates, because you won't need more than that. I still have all 12 they talked me into buying for my dad, and all 5 I bought after Mom died. Still waiting for someone to ask for one and keep it. (I'm also still waiting for someone to ask me for my grade transcript from college, and I graduated in 1983.)
I so hope COVID showed us that we don't need to spend thousands on funerals. I family I know had the nicest memorial service for a brother they lost. The urn was set inside a beautiful wreath of flowers. We are lined up to pay our condolences at the Church. They had a nice luncheon with help from the ladies and men at the Church Hall.
I have told my girls I want no viewing. Just cremate me and go out to dinner.
If yo need more then "bank" what a policy would cost. You/she would not get much of a pay out now anyway and there is probably not a lot of time to build up "equity" in most policies.
To buy life insurance or final expense type of policies imo those need to be done way way ahead of time to be affordable. No insurer who wants to stay profitable is going to sell an immediately available 25K policy or even a 10K at $100 or even $250 a mo premium to someone over US actuarial tables for death or on hospice.
You might want to look at preneed cremation policy as that will probably be the most affordable way to do a burial.
If there is a spouse, SSA will pay the spouse $250 towards final burial expenses. SSA has had it at this low payout for decades now. Family or heirs cannot get the $, the $ is only for a surviving spouse.
so a 68 yr old guy can get a 12 units with a max of $9504 benefit with a mo premium of $120 a mo. The older you are the lower the payout.
That “guaranteed acceptance” has a 2 year waiting period to get the full benefit paid if you die by natural cause. Otherwise what you get is a “graded benefit” which basically means you get all your premiums back plus a bit of interest. Some other burial plan type of insurers have a full 5 yr waiting period.
Imo the hardest part is that you have to, have to, pay the premium on time each month. And what seems to happen is that the elder or their family forget to pay or are late and the insurer will cancel that policy in a hot second. Cancelled with zero return of premiums paid. Too bad, so sad.
Assuming she has Medicare:
"You qualify for hospice care if you have Medicare Part A (Hospital Insurance) and meet all of these conditions: Your hospice doctor and your regular doctor (if you have one) certify that you're terminally ill (with a life expectancy of 6 months or less)."
This would cover the expenses.
Source: https://www.medicare.gov/coverage/hospice-care