CGMA is extremely sensitive to cases where a client requests assistance for funeral expenses for the death of a spouse, child or other immediate family members. The following information will outline the ways Coast Guard Mutual Assistance is able to help during these difficult times.
Assistance may be considered to help defray the cost of a modest, dignified funeral for the CGMA sponsor or an immediate family member when reasonable costs remain after other forms of assistance have been exhausted. Other forms of assistance may include personal resources, SGLI, other government and private insurance, VA and other various government benefits, which may be available. CGMA should not be considered as an alternative to having adequate life insurance and CGMA does not provide death gratuities. Assistance for funeral expenses will normally be in the form of a loan.
CGMA understands that the unexpected loss of a loved one leaves very little time for planning. When possible, verification of the emergency and financial need should be accomplished prior to providing assistance. However, due to the urgency of the situation, full documentation may be provided at a later date. In these situations, timely assistance in the form of a loan may be provided and the rest of the information may be collected after the fact.
The amount of Service Members Group Life Insurance (SGLI) coverage, including Family Coverage, for eligible service members should normally be adequate for all funeral expenses in the event of the death of a service member, their spouse or child. Assistance from CGMA should not normally be needed or provided. However, assistance in the form of a loan may be considered as an interim measure while the family is waiting for insurance reimbursement. Service members who decline SGLI coverage for themselves or their family members should not expect CGMA to provide a grant for their funeral expenses.
When stillbirth occurs, there can be a cost associated with the burial of the remains that may not be covered by insurance or SGLI. In such cases CGMA Reps may provide a Grant, not to exceed $1,500.
Additional information: Additional information about assistance for funeral expenses can be found under Chapter 3-C-2-b of the CGMA manual.
You give valuable time to assist CGMA clients and it is much appreciated!
Please let CGMA-HQ know (703) 875-0404 or toll free (800) 881-2462 or email: ARL-DG-CGMA@uscg.mil if there is any way we can support your efforts as you serve your shipmates through CGMA.