Losing a loved one comes with deep grief. On top of that, funeral costs can compound the stress, with the average funeral ranging from £3,000-£5,000 in the UK. However, there are some options for financial assistance that may help alleviate the burden. Here at Hey Funerals, we are committed to guiding families through what aid may be available, in addition to providing unforgettable funeral services to truly help you celebrate the life of your loved one.

Key Takeaways:

• Government funeral expense payments provide some coverage if on qualifying benefits.
• Charities like Quaker Social Action or Child Funeral Charity may assist depending on circumstances.
• Life insurance, union benefits, or workplace schemes could cover a portion.
• Crowdfunding sites are an option, but ensure tactics are tasteful.
• Compare funeral home prices, avoid add-ons, and keep floral tributes reasonable.
• Prepaying for a plan while still living can lock in set costs.

UK Funeral Assistance Options

Government Support

The government may provide some financial assistance for funeral costs through its Funeral Expenses Payment program. To qualify, the deceased must have been receiving certain income-based benefits at the time of death such as Universal Credit, Income Support, Pension Credit, Housing Benefit, or Council Tax Support. Payments are made based on a set criteria that takes into account any assets or savings the deceased’s estate had, as well as their relationship to the applicant. Payouts aim to cover necessary burial or cremation fees and documentation but typically do not completely cover all funeral costs.

There are also limitations based on local authority budgets. The average payout is £1,400 but can be up to £1,000. Applications must be submitted along with required documentation like benefit letters, invoices, asset statements, and more. It takes approximately 15 business days to process so funds are rarely available in time for the actual funeral service. Any assistance helps families struggling with the financial burden, but the limitations mean families often still have substantial out-of-pocket expenses.

Life Insurance

If the deceased had any active life insurance policies at the time of death, the payouts may be able to go towards funeral costs. Even small policies with minimal premiums can provide some measure of financial relief, so families should thoroughly look into what coverage the deceased had.

In addition to personal life insurance, it is also advisable to check if any workplace or occupational insurance schemes existed. For example, some public service jobs, teaching positions, military/veteran associations, labor unions, or fraternal organisations may include small burial benefits or policies when a member passes away. While not guaranteed, any potential insurance funds could be allocated to funeral invoices and provide assistance.

Charitable Organisations

Various charitable organisations may be able to provide limited financial assistance depending on the circumstances around the death. Most charities have specific criteria surrounding age limits, geographic restrictions, religious affiliations, or causes of death that dictate eligibility. For example, some only assist with children’s funerals for low-income families.

Others may have set religious affiliations and only aid members of a certain church or temple. Restrictions aside, reputable charities that may be able to assist include Child Funeral Charity, Quaker Social Action, distressed children’s charities, church groups, and local community foundations. It is advisable to research options and contact any relevant organisations to see if applications for aid are accepted. Any small grants or contributions provided can supplement other funding sources.

Crowdfunding

You can create an online crowdfunding campaign through platforms like GoFundMe to raise donations. Ensure you communicate the need sensitively and transparently.

Cost-Savings

Compare funeral home prices in your area and avoid unnecessary you may not be able to afford. Keep floral tributes and prints reasonable. Have refreshments at someone’s home versus a venue if necessary.

Prepaid Funeral Plans

Prepaying for a funeral while still alive locks in set costs, so your family will know expenses are covered. Payments can be made in installments.

Navigating Eligibility Requirements

The government can provide up to £1,000 towards burial or cremation fees through its Funeral Expenses Payment program. However, strict eligibility rules apply:

• The deceased must have been receiving certain income-based benefits like Universal Credit, Income Support, or Housing Benefit.
• The estate of the deceased must not exceed £1,000 in assets/savings after deducting funeral costs.
• The applicant must be a close relative and be responsible for the funeral costs.
• Local councils will need details of income, benefits, assets, invoices, and quotes.
• Average processing time is 15 days so immediate assistance is not guaranteed.

Charities have varying criteria – age limits, geographic restrictions, religious affiliation, or cause of death stipulations may apply. Most charities require applicants be on low incomes themselves.

Things to Keep in Mind with Crowdfunding Campaigns

Online crowdfunding can provide some assistance, but should be handled with care:

• Communicate the funding need tastefully and transparently without exploitation.
• Avoid photos of the deceased – focus on uplifting support.
• Provide details on how funds will specifically be used for funeral costs.
• Transfer any excess contributions to a charity or cause meaningful to the deceased.
• Ensure you have authorization from the family to collect funds publically using the deceased’s name and story.
• Understand tax implications based on amounts raised.

Securing a Prepaid Funeral Plan

Prepaid funeral plans allow people to arrange their funeral ahead of time and pay in installments or as a lump sum. Benefits include:

• Locks in set costs so family avoids rising funeral prices.
• Alleviates stress of relatives making difficult decisions during grief.
• Payments can be adjusted to affordable monthly installments.
• Ability to personalize details reflecting wishes and preferences.
• Government regulated to ensure security and transparency.
• Can include prepaid cremation/burial costs and disbursements.

If costs are a concern, please know there are always options. Reach out to our compassionate team if you need help pursuing funeral assistance or establishing an advance plan.

For Supportive Funeral Directors, Choose Hey Funerals

Here at Hey Funerals, we understand money concerns compound grief. That’s why we’re committed to guiding families through all options to maximize available assistance. Please contact us if we can help explain eligibility, sources of aid, or personalized prepaid plans. Our team is always willing to listen and point you toward resources. No one should struggle alone – let us help support you through this difficult process.