The $250,00 was what was in effect at the time of his death. Since then, Congress has authorized $400,000 as the maximum insurance payout, with anyone who received $250,000 since 8/10/2001 authorized to receive an additional $150,000 to make up the difference retroactively. And that's just the insurance. There is also the matter of the $100,000 Military Death Gratuity which she also received. That's $500,000 -- more than enough not to shaft the funeral director.
I know there's a picture of her in her car. I just can't find it.