If you or a loved one has suddenly been hit with unexpected costs related to medical or final expenses, there are several ways to cope with these surprises. From charities to government programs and life insurance policy settlements, there are several methods to help families before they become overwhelmed with rising expenses. 
Charities, religious groups, and government organizations
State and local governments may offer limited benefits, as does Social Security and state memorial societies. Medicaid and Medicare recipients are allowed to put aside money for final expenses, although these programs don’t provide funds for this purpose. Veterans have an extensive range of benefits pertaining to final expenses and arrangements covered by the Department of Veterans Affairs, including burial plots for them and close relatives.
Many religious institutions like churches have a support network for elderly members that includes volunteers, funds, and donations. When members become ill, volunteers and support groups can be a crucial morale-builder and a lifeline providing social interaction for yourself or a loved one. This can include driving patients to appointments, bringing dinner, watching young children, and a host of related services that would cost money if they had to pay out of pocket for them.
Life insurance
Many elderly or terminally ill patients don’t ask an important question:
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