Is life insurance considered a duplication of benefit? What if I used life insurance to pay for funeral expenses?

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The COVID-19 incident period ended on May 11, 2023. FEMA will continue to provide funeral assistance until Sept. 30, 2025, to those who have lost loved ones due to this pandemic.

FEMA does not consider life insurance proceeds, death gratuities, or other forms of assistance not specifically intended to defray funeral costs as a duplication of benefit. Therefore, applicants who used life insurance to pay for funeral expenses may be considered for COVID-19 Funeral Assistance.

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