The cost of a funeral will vary and depends on whether cremation or burial is desired, the type of coffin or casket selected, the number of limousines and level of services required etc. Usually cremation is the less expensive option.
A word of caution if you are looking at “price comparison” websites. Funeral companies pay to be on these sites. Some of these firms have little trading history and are not members of recognised professional organisations. Many good quality and highly reputable companies are not on these sites.
The cost of a funeral is usually in 3 parts. The funeral directors’ professional services (this normally includes transportation,removal, use of repose facilities etc.) the selected coffin or casket and finally the disbursements ( the 3rd party costs, cremation fee or cemetery charges, flowers, newspaper notice, officiants or church fees etc) Normally the funeral company will require the payment of the disbursements prior to the funeral taking place.
Anderson Maguire is a member of the National Association of Funeral Directors and subscribes to the NAFD Code of Practice which requires us to furnish a full itemised written estimate once a funeral has been arranged.
If you are claiming benefits, we are able to help you gain access to several options for financial support.
Social Fund – Funeral Payment
Many people today are eligible for low income benefits. This could also mean that you may require help in paying for funeral arrangement expenses. In some cases, help is available. You can download the Funeral Payment claim form from the link below, in PDF format. Once the form has been filled in, you should take it personally or, send it to, your local Jobcentre Plus for an assessment of eligibility to be made. The form comes with notes that will help you to fill it in.
Below is a list of qualifying benefits. Income Support
- Pension Credit
- Child Tax Credit at a rate higher than the family element
- Housing Benefit
- Working Tax Credit which includes a disability or severe disability element
- Income-based Jobseeker’s Allowance
- Council Tax Benefit (or the Council Tax payer where you live gets a Second Adult Rebate because you are on a low income)
- Income-related Employment and Support Allowance
Social Fund – Loan
Should you need financial help with the cost of a funeral, you may be in a position to get a loan. The loan would have to be paid back but does not attract interest on the loan.
You may be able to receive a loan if you have been getting income-related employment and support allowance, income-based jobseeker’s allowance, income support, pension credit or payment on account of one of these benefits or entitlements for at least 26 weeks. You can download the loan claim form from the link below, in PDF format. Once the form has been filled in, you should take it personally or, send it to, your local Jobcentre Plus for an assessment of eligibility to be made.
Social Fund – Widows / Widowers Bereavement Payment
These bereavement payments and widowed parent’s allowance are all based on your spouse or civil partner’s national insurance (NI) contributions. Spouse or civil partner means the person you were legally married to, or were in a civil partnership with, at the time of their death. You can download the form from the link below, in PDF format. Once the form has been filled in, you should take it personally or, send it to, your local Jobcentre Plus for an assessment of eligibility to be made.