Can you get help with funeral costs if you’re on benefits?

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Yes. You should be able to get help with funeral costs from the government if you’re on benefits.

Check your eligibility using the info below before making any funeral plans. This will help you make sure you’ll receive the money you need to help cover the costs.

Help with funeral costs for people on benefits

Funeral expenses payment

If you get benefits from the government you may be able to claim a funeral expenses payment. This is a grant from the government that’ll cover the essentials you need for a funeral.

Read our guide to the funeral expenses payment and see if you’ll be able to get help with funeral costs.

It covers:

Budgeting loan

A budgeting loan from the government is interest-free and could help with funeral costs if you’re on benefits. You’ll be eligible for the budgeting loan if you’ve been getting one or more of these benefits for 6 months or longer:

You’re not eligible for the budgeting loan if:

You’ll only have to pay back what you borrow. This will be taken from your benefits automatically. Your automatic repayments will be based on what’s affordable for you but you’ll need to pay it back within 2 years.

You can apply online or using the paper form SF500.

Are there any other ways to claim funeral costs from DWP?

Bereavement support payment

Whether you’re on benefits or not, you might be eligible for the bereavement support payment. To receive the payment you must have been under the state pension age when your partner passed away.

You can apply for the payment if your partner:

You may be able to get the payment if your partner died in the last 21 months but it’s important to make the claim as soon as possible. If you claim within 3 months of your partner’s death you should be able to get the full amount.

For more info on whether you can make this claim to help with funeral costs, visit your local Job Centre Plus or call the bereavement service helpline on 0800 151 2012.

Children’s funeral fund for England

You can get help with funeral costs for a child whether you’re on benefits or not. Your income or your savings won’t affect what you get either. To be eligible, you must hold the burial or cremation in England. If you live in Scotland, Wales or Northern Ireland this financial support is not available. But if you live in Wales you don’t need to pay any fees for the burial or cremation of a child.

The Children’s Funeral Fund for England covers the cost of:

The fund does not cover the cost of any other funeral director services or any optional extras such as flowers. 

If you’re using a funeral director you don’t need to make any claims yourself. They will cover the cost of the burial or cremation and the coffin and claim back the costs later. If you don’t use a funeral director, the burial site or crematorium can cover the costs but you’ll need to make a claim online for the cost of the coffin.

Find more help with funeral costs

Help with funeral costs for someone on benefits can make a big difference. It could help ease some of your worries about budgeting and make planning the funeral easier.

 

Photo by Priscilla Du Preez on Unsplash

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Funeral Director fees

The price quoted contains the Funeral Director fees for a simple funeral. This includes:

  • Funeral Director fees for meetings, paperwork and running the funeral
  • Collection of the deceased and care prior to funeral
  • Hearse or appropriate vehicle for transport to the funeral
  • Basic coffin

The Funeral Director fees quoted do not include third party costs (often called disbursements). The Funeral Director will guide you through your options. These costs are:

  • Cremation or burial fees
  • Medical certificate for cremation
  • Clergy or officiant fee for conducting the ceremony

In addition to the disbursements you may want to discuss optional costs with your Funeral Director - these could include:

  • Funeral flowers
  • Memorial (venue hire, catering etc)
  • Memorial headstone
  • Orders of service
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What is a Direct Cremation?

A Direct Cremation is an alternative to the traditional funeral. This involves the cremation of the deceased without a funeral service. A Direct Cremation is generally the most economic option because costs of the coffin, preparation of the body, funeral service and expensive transportation are not included. However, many people choose Direct Cremations for reasons other than expense, for example:

  • - Wanting to have a memorial at a different time to the cremation
  • - Expressed desire from the deceased to not have a ceremony
  • - Individuals with relatives who face big physical or geographical challenges in coming together for a ceremony

The prices quoted for Direct Cremations include:

  • All charges, meetings and paperwork for the cremation
  • Collection of deceased and care prior to cremation
  • A simple coffin and urn for the ashes
  • Cremation fees and delivery of ashes to the family
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Attended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees for an Attended Funeral, which is where family and friends have a ceremony or service for the deceased person at the same time as they attend their burial or cremation.

This price includes the following:

  • Taking care of all necessary legal and administrative arrangements
  • Collecting and transporting the deceased person from the place of death (normally within 15 miles of the funeral director’s premises) into the funeral director’s care
  • Care of the deceased person before the funeral in appropriate facilities.
  • Providing a suitable coffin
  • Optional viewing of the deceased person for family and friends, by appointment with the funeral director
  • At a date and time you agree with the funeral director, taking the deceased person direct to the agreed cemetery or crematorium (normally within 20 miles of the funeral director’s premises) in a hearse or other appropriate vehicle

In addition to the Funeral Director’s fee, there will be third party costs to consider (sometimes called disbursements) to cover the other aspects of a funeral (such as the crematorium or burial fees). Your chosen Funeral Director will be able to provide these for you.

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Unattended funeral

This is Funeral Choice’s best estimate of this Funeral Director’s fees and the crematorium fee for an Unattended Funeral, which is where family and friends may choose to have a ceremony, event or service for the deceased person, but they do not attend the burial or cremation itself. This is also known as a Direct Cremation.

This price includes the following:

  • Funeral Director's fees
  • Crematorium fee (for an unattended funeral) as selected by the Funeral Director

In addition to this fee, there might be additional third party costs to consider (sometimes called disbursements). Your chosen Funeral Director will be able to explain these for you.

If you wish to attend the funeral, you should view the “Attended Funeral” price instead.

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Why is this price Estimated?

We work hard to ensure the Funeral Director Fees we display are accurate and up to date. However, unlike with our partners, we cannot guarantee this price is correct today.

Funeral Director fees

The price quoted contains the Funeral Director fees for a simple funeral. This includes:

  • Funeral Director fees for meetings, paperwork and running the funeral
  • Collection of the deceased and care prior to funeral
  • Hearse or appropriate vehicle for transport to the funeral
  • Basic coffin

The Funeral Director fees quoted do not include third party costs (often called disbursements). The Funeral Director will guide you through your options. These costs are:

  • Cremation or burial fees
  • Medical certificate for cremation
  • Clergy or officiant fee for conducting the ceremony

In addition to the disbursements you may want to discuss optional costs with your Funeral Director - these could include:

  • Funeral flowers
  • Memorial (venue hire, catering etc)
  • Memorial headstone
  • Orders of service
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Funeral Choice charity donation

To redeem the £20 charity donation all you have to do is select the charity from the dropdown list in the Make Contact form. Once you have confirmed arrangements with that funeral director send us an email to info@yourfuneralchoice.com confirming the service has been arranged. After we receive this email we will make the donation to the chosen charity and confirm back to you.

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