Funeral Costs - Where to get help? - Community Legal Education

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Planning a funeral

In the UK, there are several options available to help with funeral costs if you are struggling to cover the expenses. Here are some options you can explore:

Funeral Expenses Payment: This is a government scheme that provides financial assistance to individuals who receive certain benefits and need help with funeral costs. To qualify, you or your partner must receive one of the following benefits:
- Income Support
- Income-based Jobseeker's Allowance
- Income-related Employment and Support Allowance
- Pension Credit
- Housing Benefit
- Universal Credit (if you meet specific criteria)
You can apply for Funeral Expenses Payment through the Department for Work and Pensions (DWP) website or by calling the Bereavement Service helpline at 0800 731 0469.
Social Fund Funeral Expenses Payment: If you do not receive any of the benefits mentioned above, you may still be eligible for a Funeral Expenses Payment from the Social Fund if you have a low income and limited savings. The eligibility criteria can be complex, so it's advisable to contact the DWP or a local Jobcentre Plus office for guidance.
Funeral Payment from the Scottish Welfare Fund (Scotland only): If you reside in Scotland, you can apply for the Funeral Payment from the Scottish Welfare Fund. This provides assistance to individuals on low incomes who are responsible for funeral costs.
Charitable Organizations: Some charitable organizations in the UK provide financial assistance for funeral expenses. The eligibility criteria and the amount of support available may vary depending on the organization. One such organization is the Funeral Expenses Payment Scheme operated by the Down to Earth charity.
Funeral Directors: Some funeral directors may offer payment plans or discounts for those who are experiencing financial difficulties. It's worth discussing your situation with several funeral directors to explore your options.
Crowdfunding: You can consider setting up a crowdfunding campaign on platforms like GoFundMe or JustGiving to help raise funds for the funeral expenses. Friends, family, and the community can contribute to support you during this difficult time.
Pre-paid Funeral Plans: If you can afford it, you may want to consider pre-paid funeral plans that allow you to pay for your funeral in advance. This can help relieve the financial burden on your loved ones when the time comes.

It's essential to research and explore these options to find the most suitable assistance for your specific situation. Additionally, seeking guidance from a Citizens Advice Bureau or a local bereavement support service can be helpful in navigating the process of obtaining financial help for funeral costs.

Funeral Costs - Where to Get Help?

Understanding Funeral Costs in the UK

The cost of funerals in the United Kingdom can vary widely depending on the region and the type of service chosen. Basic funeral expenses often include the cost of a coffin, burial or cremation fees, a hearse, and funeral director services. Additional expenses can incur from extras such as flowers, notices, and memorials. On average, a funeral can cost anywhere from £3,000 to £5,000.

Government Assistance for Funeral Costs

For individuals struggling to afford a funeral, the UK government provides a Funeral Expenses Payment for those on specific benefits, such as Universal Credit or Pension Credit. This payment can help cover necessary costs including burial or cremation fees, travel to arrange the funeral, and necessary legal documents. To apply, visit the official UK government website or contact your local Jobcentre Plus.

Charitable Organisations

Several charitable organizations offer assistance to families in need. For instance, the Bereavement Support Payment, provided by the government, can give financial aid to those who have recently lost a partner. Additionally, charities like the Child Funeral Charity and the Funeral Poverty Alliance can provide support in arranging an affordable funeral service.

Local Council Support

In cases where no one can take responsibility for the funeral expenses, local councils may cover the cost of a Public Health Funeral. These services are basic, but they ensure dignified handling of the deceased. Contact your local council for more information and eligibility criteria.

Credit Unions and Alternative Funding Options

If you need immediate funds, credit unions offer lower-interest loans compared to payday lenders. Moreover, some funeral directors provide pre-paid funeral plans or installment options to help spread the cost over an extended period. It's advisable to compare different plans to find the best option for your situation.

Planning Ahead

Planning ahead can significantly reduce the financial burden of funeral costs. Consider taking out a funeral plan that allows you to pay for services in advance at current prices. Not only can this relieve financial stress from your loved ones, but it may also ensure that your personal preferences for the service are honoured.

Conclusion

Funeral costs can be a significant burden, but various forms of help are available. Government assistance, charitable organizations, local councils, and credit unions offer support to those in need. Planning ahead with a pre-paid funeral plan can also alleviate future financial stress. It's important to explore all available options to find the most suitable financial support for your circumstances.

Frequently Asked Questions

What is the average cost of a funeral in the UK?

The average cost of a funeral in the UK can vary depending on the services you choose, but it is typically around £4,000 to £5,000.

What financial help is available for funeral costs?

In the UK, you can apply for a Funeral Expenses Payment if you are on certain benefits. You may also get help from charitable organizations or local authorities.

Who is eligible for a Funeral Expenses Payment?

You may be eligible if you are receiving certain benefits such as Universal Credit, Income Support, or Jobseeker's Allowance, and you are arranging the funeral of a close relative or partner.

How much can I receive from the Funeral Expenses Payment?

The amount varies depending on individual circumstances, but it generally covers necessary costs like burial or cremation fees, some travel costs, and up to £1,000 in other expenses.

Can I get a loan to cover funeral costs?

Yes, some credit unions and banks offer loans specifically for funeral expenses. However, it’s important to consider the terms and your ability to repay the loan.

Are there any charities that can help with funeral costs?

Yes, there are several charities that may offer assistance with funeral costs, such as the Bereavement Trust, Cruse Bereavement Care, and the Child Funeral Charity.

What are pre-paid funeral plans?

Pre-paid funeral plans allow you to pay for your funeral in advance, at today’s prices, which can help ease the financial burden on your family when the time comes.

How do I apply for a Funeral Expenses Payment?

You can apply for a Funeral Expenses Payment by filling out form SF200, which is available from your local Jobcentre Plus or online on the GOV.UK website.

What documents will I need to apply for a Funeral Expenses Payment?

You will need documents such as the death certificate, evidence of the funeral costs, and proof of your benefits.

Can funeral directors offer payment plans?

Some funeral directors do offer payment plans that allow you to pay for the funeral in installments. It’s advisable to discuss available options with the funeral director.

What costs are usually associated with a funeral?

Typical costs include burial or cremation fees, funeral director fees, transportation, flowers, and a reception or wake.

Does life insurance cover funeral costs?

Life insurance policies can be used to cover funeral costs, but it’s important to check the terms and conditions of the policy.

What is a budget or simple funeral?

A budget or simple funeral is a more affordable option that usually includes only the essential services like the collection and care of the deceased, a basic coffin, and a straightforward service or ceremony.

What is a public health funeral?

A public health funeral is arranged by the local authority when there is no one available to arrange or pay for the funeral. It’s a basic service that includes a simple burial or cremation.

Can I use crowdfunding to raise money for funeral expenses?

Yes, many people use crowdfunding platforms to raise money for funeral expenses. Friends, family, and the community can contribute to help cover the costs.

Useful Links

Useful Links : Funeral Costs - Where to get help? - Community Legal Education

NHS - Help paying for a funeral

Information on how the NHS can assist with funeral costs, including details on eligibility and how to apply for financial help.

Turn2us - Funeral Assistance

Turn2us is a national charity that provides practical help and information on accessing financial support for funeral costs.

Citizens Advice - Help with Funeral Costs

Citizens Advice provides guidance on how to get help with funeral costs, including information on the Funeral Expenses Payment.

Bereavement Advice Centre

The Bereavement Advice Centre offers support and advice on managing funeral costs and understanding your financial options.