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Financial Advice

Financial advice following a bereavement

Sorting out finances to pay for funeral costs can be overwhelming.

There are a number of options available to assist:

The deceaseds estate

The deceased’s estate

A deceased person’s estate can be used towards the costs of a funeral. Funeral costs are the first priority for any monies left.

The Money Advice Service provides practical advice in relation to debts of someone who has died. More detail can be found here.

Government support

Government support

Statutory financial support is available to help cover funeral costs in the form of:

Funeral Expenses Payments are available to people who claim certain benefits to help pay for a funeral. The amount will depend upon your circumstances and doesn’t always cover the full costs.

A Bereavement Support Payment is available if you are under state pension age and your spouse has died. It is tax free.

Loans

Loans

A Government Budgeting Loan may be available if you are in receipt of eligible benefits.

Contact your bank about a possible loan or try other high street banks or loan companies.

Grants

Grants

Some grants are available for certain work for professions to help with funeral costs. If you work in a particular trade or industry for two years or more, you may be able to receive assistance. The charity will usually pay the funeral director directly. Check Turn2us grants search tool for a list of applicable charities.

Charities

Charities

Some organisations will provide financial support dependent upon certain characteristics. You may be required to provide evidence of other sources of funding you have explored. Charities will only consider paying an outstanding funeral bill to a funeral director rather than to a family member.

Crowdfunding

Crowd funding

Online donations from family, friends and strangers can help meet the costs of a funeral.

Lots of people donating small amounts can add up and raise significant amounts.