Arranging a funeral can be stressful and expensive. If you're paying for the funeral, think carefully about what you can afford.
The funeral can be paid by:
- you or other family members or friends
- a lump sum from a life insurance policy or pension scheme the person paid into
- a pre-paid funeral plan the person took out
- the person’s estate (any money, property or assets they left). Funeral costs take precedence over other debts
- money the person had in a bank or building society, although they don’t have to release the money until probate is granted. If there’s a delay, you may need to pay the costs in the meantime.
Help with funeral costs
You may be able to get a Funeral Payment from the Social Fund if you’re on a low income and meet the criteria.
You must be claiming Pension Credit or certain other means-tested benefits, and had a close relationship with the person who died – for example, you may have been their partner.
To apply, ask for form SF200 at your local Jobcentre Plus office or download it from GOV.UK. You can also call the DWP Bereavement Service on 0345 606 0265 to make a claim.
If you don’t qualify for a Funeral Payment, or it doesn’t cover the full costs of the funeral, you may be able to get a Budgeting Loan from the Social Fund. These are interest-free loans of between £100 and £1500 that you repay from your benefits.
To apply, ask for form SF500 at your local Jobcentre Plus office or download it from Gov.uk.