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.
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 claim you need form DF500 whihc you can get from your local Jobcentre Plus or Gov.uk