Veterans · MD

Life insurance and burial benefits for Maryland veterans

Maryland is home to about 337,000 veterans. The state runs five veterans cemeteries, in Cheltenham, Crownsville, Hurlock, Owings Mills, and Flintstone, where eligible veterans and dependents receive a plot, liner, headstone, and interment services at no expense; funeral costs remain with the family. Among the VA national cemeteries in Maryland, Annapolis and Loudon Park are closed to new burials and Baltimore is closed to new casket burials. Veterans rated 100% service connected, permanent, and total may be exempt from real property taxes on their home. The Maryland Department of Veterans and Military Families can help with state benefits, and final expense coverage can help with funeral costs.

Facts checked against the sources listed below.

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Veterans in the state

337,000

Estimate, 2026

VA national cemeteries

3

Located in Maryland

State veterans cemeteries

5

Built with VA grants

State agency

MD

Maryland Department of Veterans and Military Families

Life insurance options for Maryland veterans

Military life insurance is federal, so the options are the same in every state: convert SGLI to VGLI after separation, apply for VALife if you have a service-connected rating, or buy private coverage. Healthy veterans often compare VGLI against private term life, since VGLI rates rise every five years.

Veterans cemeteries in Maryland

VA national cemeteries

State veterans cemeteries

  • Cheltenham Veterans Cemetery — Cheltenham
  • Crownsville Veterans Cemetery — Crownsville
  • Eastern Shore Veterans Cemetery — Hurlock
  • Garrison Forest Veterans Cemetery — Owings Mills
  • Rocky Gap Veterans Cemetery — Flintstone

Burial in a VA national cemetery, a government headstone or marker, and a burial flag are available to eligible veterans at no cost; see VA burial benefits for current allowances. Source: VA National Cemetery Administration: Find a Cemetery

Compare coverage as a veteran in Maryland

A licensed agent can check private options side by side with VGLI and VALife. Free, with no obligation.

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Maryland state benefits for veterans

At Maryland's state veterans cemeteries, eligible veterans and their eligible dependents receive a burial plot, grave liner, headstone, and interment services at no expense; funeral, preparation, and transportation costs are paid by the family or estate. National Guard and reserve members and their eligible dependents pay a $1,002 fee. Source: Maryland Department of Veterans and Military Families: Burial Costs and Arrangements

Veterans whose disability the VA has determined is 100% service connected, permanent, and total may be exempt from real property taxes on their dwelling house and surrounding yard; certain un-remarried surviving spouses may also qualify. Source: Maryland Department of Veterans and Military Families: State Property Tax Exemptions

For help applying, contact the Maryland Department of Veterans and Military Families.

Planning for final costs too? See final expense insurance in Maryland.

Frequently asked questions

Where can veterans be buried in Maryland?

Maryland has 3 VA national cemeteries and 5 state veterans cemeteries, including Baltimore National Cemetery (closed to new casket burials) in Baltimore. Eligibility rules apply; the cemetery or Maryland Department of Veterans and Military Families can confirm.

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Can Maryland veterans keep their military life insurance after leaving service?

SGLI can be converted to VGLI within 1 year and 120 days after separation, with no health questions if you apply within 240 days. Veterans with a service-connected rating may also qualify for VA Life Insurance (VALife). These are federal programs, so the rules are the same in every state.

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Do disabled veterans get a property tax break in Maryland?

Veterans whose disability the VA has determined is 100% service connected, permanent, and total may be exempt from real property taxes on their dwelling house and surrounding yard; certain un-remarried surviving spouses may also qualify.

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Does Maryland pay a burial benefit for veterans?

At Maryland's state veterans cemeteries, eligible veterans and their eligible dependents receive a burial plot, grave liner, headstone, and interment services at no expense; funeral, preparation, and transportation costs are paid by the family or estate. National Guard and reserve members and their eligible dependents pay a $1,002 fee.

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Sources

  1. VA National Cemetery Administration: Find a Cemetery
  2. VA VetPop2023 state estimates
  3. Maryland Department of Veterans and Military Families: Burial Costs and Arrangements
  4. Maryland Department of Veterans and Military Families: State Property Tax Exemptions
  5. Maryland Department of Veterans and Military Families

Veterans guides for other states