Benefits for Surviving Spouses of Veterans
- Finance
- By Kirsten H. on
Losing a loved one who served in the military is an incredibly difficult experience, and for many surviving spouses, the transition can be both emotional and financial. Thankfully, the U.S. Department of Veterans Affairs (VA) offers a variety of benefits designed to provide financial support, healthcare assistance, and educational opportunities to surviving spouses of veterans. Understanding these benefits can help you access the resources you deserve.
Dependency and Indemnity Compensation (DIC)
One of the most important benefits available to surviving spouses is Dependency and Indemnity Compensation (DIC).
- What it is: A tax-free monthly payment.
- Who qualifies: Surviving spouses of service members who died in the line of duty, or veterans whose death resulted from a service-related injury or illness.
- Additional eligibility: Spouses who remarried after age 57 may still qualify.
Survivors Pension (Death Pension)
This program provides financial support to low-income surviving spouses.
- What it is: A tax-free monthly benefit.
- Eligibility: Must meet income and net worth limits set by Congress.
- Conditions: Applies if the veteran served during a wartime period.
VA Education and Training Benefits
Surviving spouses can continue their education through The Survivors’ and Dependents’ Educational Assistance (DEA) Program.
- What it covers: Degree programs, certifications, apprenticeships, and on-the-job training.
- How long benefits last: Generally up to 36–45 months of educational assistance.
- Special support: Some spouses may also qualify for the Fry Scholarship, which covers tuition and fees.
VA Home Loan Program
Surviving spouses may also be eligible for the VA’s Home Loan Guaranty Program.
- What it provides: Access to low-interest home loans with no down payment required.
- Who qualifies: Surviving spouses of veterans who died in service or from a service-connected disability.
- Additional benefit: Ability to refinance an existing mortgage under favorable VA loan terms.
Healthcare Benefits
Depending on circumstances, surviving spouses may be eligible for certain healthcare programs.
- CHAMPVA (Civilian Health and Medical Program of the VA): Provides cost-sharing for medical services.
- Eligibility: Applies if the spouse is not eligible for TRICARE.
- Coverage: Includes most medically necessary services and supplies.
Burial and Memorial Benefits
The VA also assists with honoring and remembering the service of veterans. Surviving spouses may receive:
- Burial in a VA national cemetery (at no cost).
- Headstones, markers, or medallions provided free of charge.
- Burial allowance to help cover funeral expenses.
Additional Benefits
Other programs that may be available to surviving spouses include:
- Life insurance options through VA programs.
- Access to grief counseling through VA Vet Centers.
- Commissary and exchange privileges in certain cases.
Final Thoughts
The benefits provided to surviving spouses of veterans are designed to ease financial burdens, provide access to education and healthcare, and ensure lasting recognition of the veteran’s service. Navigating these programs can feel overwhelming, but knowing what’s available is the first step. Surviving spouses are encouraged to contact the VA directly or a Veterans Service Organization (VSO) for guidance in applying and maximizing these well-earned benefits.