Introduction
Coping with the loss of a loved one is difficult enough without the added stress of financial worry. This guide outlines various forms of financial assistance available to help with funeral expenses in the UK.
Government Support
Funeral Expenses Payment
If you're on low income and receive certain benefits, you may be eligible for a Funeral Expenses Payment from the government. This can help cover:
- Burial or cremation fees
- Travel expenses
- The cost of moving the body within the UK (if more than 50 miles)
- Death certificates and other documents
- Up to £1,000 for any other funeral expenses (such as the coffin, flowers, or funeral director's fees)
Applications must be made within 6 months of the funeral and can be done online, by phone, or by post.
Bereavement Support Payment
This is available to people whose spouse or civil partner has died. The payment consists of an initial lump sum and then up to 18 monthly payments. The amount depends on your circumstances, but it can provide valuable financial support during the bereavement period.
Council Assistance
In cases where there is no one able or willing to arrange the funeral, the local council may provide a basic public health funeral. These are typically simple services with limited options.
Other Sources of Financial Support
Funeral Payment Plans
Check if the deceased had a pre-paid funeral plan, life insurance policy, or pension scheme that includes provision for funeral expenses.
Charitable Support
Several charities offer financial assistance for funeral costs to those in need. These include:
- Child Funeral Charity (for those who have lost a child)
- British Legion (for veterans and their families)
- Care Workers Charity (for care workers and their families)
- Various religious organizations
Workplace Benefits
Some employers offer death-in-service benefits or bereavement support. Check with the deceased's employer about any available assistance.
Managing Funeral Costs
Direct Cremation
This is the most affordable option, typically costing between £1,000 and £1,500. It involves a cremation without a funeral service, allowing families to hold a memorial event separately if desired.
Simple Funeral Packages
At New Rest Funerals, we offer simple funeral packages starting from £1,895 that cover the essential elements while keeping costs manageable.
Payment Plans
Many funeral directors, including New Rest Funerals, offer payment plans that allow you to spread the cost over time, making it more manageable.
How to Apply for Financial Assistance
For Government Benefits:
Visit the gov.uk website or call the Bereavement Service on 0800 731 0469 to apply for the Funeral Expenses Payment or Bereavement Support Payment.
For Charitable Support:
Contact relevant charities directly to inquire about eligibility and application processes.
For Employer Benefits:
Speak with the HR department of the deceased's employer.
How We Can Help
At New Rest Funerals, we understand that financial concerns can add to the stress of bereavement. Our team can:
- Provide clear, transparent pricing with no hidden costs
- Offer guidance on available financial assistance
- Discuss flexible payment options
- Help you choose services that respect your budget while honoring your loved one
Conclusion
While navigating funeral expenses during a time of grief can be challenging, there are various forms of support available. We encourage you to reach out to our compassionate team for guidance on managing funeral costs and accessing financial assistance. We're here to help you give your loved one a dignified farewell without unnecessary financial strain.