How to Get Help with Funeral Costs

Losing a loved one is difficult enough without worrying about funeral expenses. With the average UK funeral costing between £4,000 and £7,000, many families need help with funeral costs. Whether you’re on benefits or not, there are several ways to get support during this challenging time. Let’s explore your options for making funeral expenses more manageable.

Understanding Funeral Costs in the UK

Before looking at ways to get help, it’s important to understand what costs you might face. Funeral expenses can vary significantly depending on your location and the type of service you choose. Here’s a breakdown of what you can expect:

Basic Funeral Expenses

The core costs of arranging a funeral can add up quickly. Understanding these essential expenses can help you plan effectively and identify where you might need financial support:

Funeral director fees: £2,000-£3,000
Cremation or burial fees: £800-£2,000
Doctor’s fees: £164
Minister or celebrant: £200
Additional costs (flowers, catering, venue): £1,000-£2,000

These costs have risen significantly in recent years, making it increasingly common for families to seek financial assistance. It’s worth noting that prices can vary considerably between different regions of the UK, with London and the South East typically being more expensive.

Types of Funerals and Their Costs

Understanding the different options available can help you make an informed decision based on your budget and circumstances. Each type of funeral service comes with its own cost implications:

Traditional Funeral: £4,000-£7,000 – Includes a full service, hearse, and traditional elements
Direct Cremation: From £1,500 – A simpler option without a ceremony
Basic Burial: From £4,000 – Includes essential burial costs and basic service
Green Burial: £1,500-£3,000 – An environmentally friendly option that’s often more affordable

Your choice will depend on various factors, including your loved one’s wishes, your budget, and available support. Many families are now choosing alternative options like direct cremation to manage costs whilst still providing a dignified farewell.

Government Help with Funeral Costs

The UK government offers several forms of assistance for those struggling with funeral expenses. Understanding these options is crucial for accessing the support you’re entitled to.

Funeral Expenses Payment (FEP)

The Funeral Expenses Payment, sometimes called a Funeral Payment, is designed to help people on low incomes with the cost of arranging a funeral. This support from the DWP can be invaluable during a difficult time.

You might qualify for help with funeral costs through FEP if you receive:

Universal Credit
Income Support
Pension Credit
Housing Benefit
Income-based Jobseeker’s Allowance
Income-related Employment and Support Allowance
Child Tax Credit
Working Tax Credit with a disability element

The payment can cover several essential aspects of the funeral, making it more manageable for those on lower incomes. The amount you receive depends on your circumstances and the necessary costs you need to cover.

How to Apply for Government Support

Applying for government assistance requires careful attention to detail and timing. Here’s what you need to do:

Contact the DWP Bereavement Service as soon as possible after the death
Complete the SF200 form with accurate information about your circumstances
Provide necessary documentation, including funeral quotes and benefit evidence
Submit within 6 months of the funeral

Time is crucial when applying for support, so it’s important to start this process as early as possible. The Bereavement Service can also check whether you’re eligible for other benefits and support.

Other Sources of Financial Support

Beyond government assistance, there are several other avenues you can explore for help with funeral costs. Many organisations understand the financial burden of funeral expenses and offer various forms of support.

Local Authority Assistance

Local councils can provide vital support when other options aren’t available. They understand that everyone deserves a dignified funeral, regardless of their financial situation. Support includes:

Council funeral services for those without means – providing basic but dignified services
Public health funerals – when no other arrangements can be made
Local authority cremation services – often more affordable than private options
Additional support for residents in financial hardship

These services ensure that everyone has access to a respectful funeral, even in challenging financial circumstances. Contact your local council’s bereavement services department to discuss available options.

Charitable Organisations

Many charities across the UK specialise in providing funeral grants and support. These organisations understand the emotional and financial strain of arranging a funeral and can offer vital assistance:

Friends of the Elderly: Offers grants for older people
Turn2Us: Helps people find applicable grants and support
Bereavement support organisations: Provide both financial and emotional support
Religious organisations: Often help members of their community
Professional benevolent funds: Support people who worked in specific industries

Each organisation has its own criteria and application process, so it’s worth contacting several to explore your options. Many can also provide guidance on other forms of available support.

Workplace and Union Support

If the person who died was employed or belonged to a trade union, there might be additional help available:

Death in service benefits
Workplace pension schemes
Trade union benevolent funds
Professional association support
Company benevolent funds

Contact the HR department or union representative to understand what support might be available.

Help with Funeral Costs When Not on Benefits

Many people who aren’t receiving benefits still struggle with funeral costs. Here are options available to everyone, regardless of benefit status:

Payment Plans and Finance Options

Funeral directors and financial providers offer various ways to manage funeral costs:

Funeral director payment plans – spread costs over several months
Interest-free credit options – some funeral directors offer this
Funeral loans – specific loans for funeral expenses
Bank loans or credit unions – traditional financing options
Family contribution schemes – shared payment arrangements

Always check the terms and total costs before committing to any payment plan or loan arrangement.

Reducing Funeral Costs

There are several ways to reduce funeral expenses whilst still providing a meaningful service:

Choose a simple ceremony – focus on what matters most
Compare funeral director prices – get several quotes
Opt for cremation instead of burial – typically more affordable
Consider a direct cremation – separate the cremation from the memorial service
Reduce optional extras – choose what’s most important
Hold the wake at home – save on venue costs
Choose a basic coffin – many dignified options are available
Limit flower arrangements – consider family flowers only

Crowdfunding: A Modern Solution for Funeral Expenses

When traditional funding options aren’t enough, crowdfunding through JustGiving offers a dignified way to get help with funeral costs. Here’s why it works:

Benefits of Funeral Crowdfunding

Quick Access to Funds: Receive donations promptly when you need them most
Wide Reach: Connect with extended family, friends, and community members
Simple Process: Easy to set up and share your fundraising page
Secure Platform: Safe, trusted way to receive donations with our guarantee
Support Network: Create a memorial space for shared memories and support
No Hidden Fees: Clear, transparent pricing with no surprise charges
Flexible Usage: Use funds for any funeral-related expenses
Professional Support: Access to our dedicated support team

How to Create a Successful Funeral Fundraiser

Creating a funeral fundraiser can feel daunting during an already emotional time. We’ve helped thousands of families raise funds for funeral costs, and we’ve learned what makes a fundraiser successful. Here’s our step-by-step guide to creating a meaningful campaign that resonates with supporters.

1. Tell Your Story

The heart of your fundraiser is your story. While it might feel difficult to share during this time, helping people understand your situation and your loved one’s impact can inspire them to support you.

When writing your story, consider including:

Share cherished memories of your loved one – what made them special to you and others
Explain your current situation and why you need support
Set a clear, realistic funding goal based on funeral costs
Break down the expected expenses so supporters understand how their donations will help
Include photos if you feel comfortable sharing them
Keep your page updated as things progress

Remember, you don’t need to share more than you’re comfortable with. Even a brief story told from the heart can touch people and encourage them to help.

2. Share Your Fundraiser

Once your page is set up, sharing it effectively can make a significant difference in reaching your goal. We understand it might feel uncomfortable asking for help, but remember that many people want to support you during this difficult time.

Consider these sharing approaches:

Share on social media where you can reach friends and extended family
Reach out personally to close family and friends
Connect with community groups that meant something to your loved one
Share with local organisations they were involved with
Consider local media if appropriate for your situation
Use email and messaging apps to reach out privately

Many successful fundraisers find that personal messages work better than general posts. A simple, honest message explaining your situation and asking for support can be very effective.

3. Manage Your Donations

Managing your fundraiser well shows respect for your supporters and can encourage further donations. Good management doesn’t need to be time-consuming – small, regular actions can make a big difference.

Here’s how to manage your fundraiser effectively:

Check your dashboard regularly to track contributions
Thank donors personally – a simple message means a lot
Post updates about your progress towards your goal
Share how the funds are helping with funeral arrangements
Keep communication open and transparent
Provide regular updates, even if they’re brief

Remember, your supporters aren’t just providing financial help – they’re often sharing memories and offering emotional support too. Engaging with them can create a meaningful space for remembering your loved one.

Taking Action: Next Steps

We understand that knowing where to start can feel overwhelming when you’re dealing with loss. Breaking things down into manageable steps can help you navigate this challenging time. Here’s a practical guide to help you move forward.

1. Assess Your Situation

The first step is understanding exactly where you stand and what support you might be eligible for. Take some time to gather information and evaluate your options.

Start by checking your eligibility for benefits:

Contact the DWP Bereavement Service – they can check all available benefits in one call
Speak with the Citizens Advice Bureau for free guidance
Look into any workplace benefits or insurance policies
Review any pre-paid funeral plans your loved one might have had

Next, research funeral costs in your area:

Contact several funeral directors for detailed quotes
Ask for itemised breakdowns of costs
Don’t feel pressured to make immediate decisions
Keep notes of all conversations and quotes

Make a list of your available resources:

Family contributions
Savings or assets
Insurance policies
Pension schemes
Community support

2. Explore All Options

Once you understand your situation, you can start exploring different ways to manage funeral costs. Remember, many people combine several types of support to cover expenses.

Start with government support:

Submit benefit applications as soon as possible
Gather all necessary documentation
Keep copies of everything you submit
Follow up regularly on applications

Research charitable support:

Contact bereavement charities in your area
Look for profession-specific support organisations
Check religious or community group assistance
Ask funeral directors about charitable connections

Consider different payment options:

Compare funeral director payment plans
Look into credit union loans
Discuss options with family members
Research crowdfunding possibilities

3. Get Started Today

Taking action quickly can help you access more support options and reduce stress later. Here’s how to begin:

Start your applications:

Download or request benefit application forms
Gather supporting documents like death certificates
Keep a record of all applications submitted
Note important follow-up dates

Reach out for support:

Contact bereavement support services
Connect with local support groups
Start conversations with family members
Consider creating a JustGiving page

Create a clear timeline:

List important deadlines for applications
Schedule follow-up calls
Plan when to contact different organisations
Set reminders for important dates

Remember, you don’t have to handle everything alone. Consider asking a friend or family member to help you work through these steps. Many people find it helpful to have someone else make calls or help organise paperwork during this emotional time.

Ready to Start Fundraising?

Creating a JustGiving funeral fundraiser is straightforward and effective. Our platform helps you:

Set up quickly and easily in just a few minutes
Reach more supporters through social sharing
Manage donations securely with our guarantee
Keep everyone updated on your progress
Access funds when you need them most
Connect with a supportive community

Get Help with Funeral Costs Today

Don’t face funeral expenses alone. Whether through government support, charitable grants, or crowdfunding with JustGiving, there are people and organisations ready to help. Starting a fundraiser can provide both financial support and a way for friends and family to come together during this difficult time.

Create Your Fundraising Page Now

Remember, it’s okay to ask for help during this difficult time. Our community is here to support you every step of the way. We understand that arranging a funeral while grieving is overwhelming, and we’re here to make the financial aspect a little easier to manage.