Government Support for Funeral Costs

The government offers various options to provide assistance and support for individuals facing funeral expenses. This guide outlines the available options to help ease the financial burden.

Options for Government Support:

  • Funeral Expenses Payment:

In England and Wales, individuals claiming certain benefits can apply for the Funeral Expenses Payment. It assists in covering funeral costs, although it may not cover the entire amount. The payment is based on personal circumstances and includes any other available funds, such as insurance policies or the deceased person’s estate. If a pre-paid funeral plan exists, up to £120 can be obtained to cover additional expenses. Co-op Funeralcare receives the payment directly if it hasn’t been paid yet. To claim, obtain a Funeral Expenses Payment claim form (SF200) from a Jobcentre Plus office or download it online. Alternatively, calling 0800 731 0469 and selecting option 2 is the easiest way to apply.

  • Bereavement Support Payment:

Residents of England, Wales, and Scotland who were married to or in a civil partnership with someone who passed away on or after 6 April 2017 may be eligible for the Bereavement Support Payment. This payment is available to individuals under state pension age, and the deceased person must have paid income tax for at least six months between 1975 and the date of death. If the death was a result of a work-related accident or occupational disease, the payment is also applicable. The Bereavement Support Payment amounts to £2,500 and is tax-free, accompanied by 18 monthly payments of £100. If the claimant receives child benefit for children under 18, the payment increases to £3,500 with 18 monthly payments of £350. Obtain the Bereavement Support Payment pack (form BSP1) or order it by contacting your local Jobcentre Plus. For assistance, call the Bereavement Service helpline at 0800 731 0139 (Welsh language: 0800 731 0453).

  • Budgeting Loan:

Individuals receiving income-related benefits may be eligible for an interest-free Budgeting Loan to help cover funeral costs. The loan repayment is deducted directly from the recipient’s benefits, and the borrowed amount must be repaid in full. Eligibility for a Budgeting Loan requires at least 26 weeks of receiving one of the following benefits: Income Support, Income-based Jobseeker’s Allowance, Income-related Employment and Support Allowance, or Pension Credit. The maximum loan amount is £812 for eligible individuals with children. The loan amount also considers the borrower’s ability to repay and savings, with over £1,000 (or £2,000 if the borrower or their partner is over 62) potentially affecting eligibility.

Government support is available to help individuals facing funeral costs. Whether through the Funeral Expenses Payment, Bereavement Support Payment, or Budgeting Loan, these options aim to alleviate the financial burden associated with funerals. Individuals can explore these avenues to seek the assistance they need during difficult times.

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