Funeral costs can be met in different ways; funds from the deceased’s estate, a funeral scheme or pre-paid funeral plan, a life insurance policy. Please note, banks or building societies will often freeze the accounts of a person who has died. They may release funds to pay for a funeral but are not under any obligation to do so. Or if there are no funds available at all, the local authority will arrange to pay for the funeral. If this is the case, they should be contacted before any arrangements are made. The funeral director can assist you with this.
You may be able to apply for financial support to help for some of the cost of the funeral. Funeral Support Payment is a government scheme for people on a low income who are receiving certain benefits to help them pay for a funeral. It won’t cover the whole funeral bill, so you might have to pay up to a third of the cost of a simple funeral. It can help to pay for:
- death certificates or other documents
- cremation fees, including the cost of the doctor’s certificate
- travel to arrange or go to the funeral
- the cost of moving the body within the UK
- burial fees for a particular plot
- you can also get up to £1,000 for any other funeral expenses, such as funeral director’s fees, flowers or the coffin
You have six months from the date of the funeral to make a claim.
More information on the funeral support payment and how to apply can be found on mygov.scot.
Often having to pay for a funeral is an unexpected cost that people haven’t budgeted for. When this happens people can quickly get themselves into debt to try to meet these costs. There is help and advice on what you may be entitled to as well as support to apply for financial support and for debt management.
Local Money Advice Services is available from Glasgow Advice and Information Network (GAIN).