ap photo Wanda Olson poses for a photo on Dec. 17, in Villa Rica, Ga. When Olson’s son-in-law died in March after contracting COVID-19, she and her daughter had to grapple with more than just their sudden grief. They had to come up with money for a cremation. Even without a funeral, the bill came to nearly $2,000, a hefty sum that Olson initially covered.

BOSTON — When Wanda Olson’s son-in-law died in March after contracting COVID-19, she and her daughter had to grapple with more than just their sudden grief. They had to come up with money for a cremation.

Even without a funeral, the bill came to nearly $2,000, a hefty sum that Olson initially covered. She and her daughter then learned of a federal program that reimburses families up to $9,000 for funeral costs for loved ones who died of COVID-19.

Olson’s daughter submitted an application to the Federal Emergency Management Agency, received a deposit by June and was able to reimburse her mother the $1,974.

“Had this not been available, we would have been paying the money ourselves,” said Olson, 80, of Villa Rica, Georgia. “There wasn’t any red tape. This was a very easy, well-handled process.”

As of Dec. 6, about 226,000 people had shared in the nearly $1.5 billion that FEMA has spent on funeral costs that occurred after Jan. 20, 2020, the date of the first confirmed case of COVID-19 in the U.S. With the nation’s coronavirus death toll topping 800,000, it’s clear that many families who are eligible for reimbursement have yet to take advantage of the funeral benefit.

Her son-in-law was traveling a lot, working on air conditioning systems in theaters, restaurants and businesses, when he began feeling ill, Olson said. After a few days at home, he went to the hospital and was put on a ventilator. He died several weeks later.

“He could never overcome it,” she said.

To be eligible for reimbursement, death certificates for those who died after May 16, 2020, must indicate that the death was attributed to COVID-19.

For deaths that occurred in the early months of the pandemic — from Jan. 20 to May 16, 2020 — death certificates must be accompanied with a signed statement from a medical examiner, coroner or the certifying official listed on the certificate indicating that COVID-19 was the cause or a contributing cause of death.

The percentage of individuals who have been reimbursed varies dramatically from state to state — from nearly 40% in North Carolina and Maryland to fewer than 15% in Idaho and Oregon, according to state-by-state data compiled by FEMA.

While the reimbursement must go directly to individuals, some funeral directors have taken on the task of informing grieving families of the benefit.

After the benefit was first announced, David Shipper, owner of the Sunset Funeral Home, Cremation Center & Cemetery in Evansville, Indiana, took out ads to let people know that help was available if they qualified.

“Nine thousand dollars — that’s a lot of money. We wanted to find a way to tell people about it,” he said. “We stopped advertising some time ago, but when we have a new family with a death from COVID, we tell them about the program.”

Workers at the home will sit down with families, gather the needed paperwork, contact FEMA on the phone and help walk them through the process if they ask, he said.