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After The Funeral

Financial Assistance

Even if you are employed you may be entitled to financial assistance to help with funeral expenses. There are a number of various allowances/benefits to which you may be entitled. Our knowledgeable staff are available to offer advice, guidance and assistance with applications/claims.

Social Fund Funeral Payment

Financial assistance for persons who are in receipt of a low income benefit and who need help with funeral costs may be available (depending on family circumstances) as a Social Fund Funeral Payment (if claimed within three months of funeral date).

Loans

For those on a qualifying benefit, the crisis loan system is being extended to include funeral payments.

Qualifying Benefits

Income support – Income based Jobseeker’s Allowance – Income Related Employment & Support Allowance – State Pension Credit – Housing Benefit – Working Tax Credit where a disability or severe disability element is included in the award – Child Tax Credit at a rate higher than the normal family element.

Claim Forms are available from our office, please contact our staff for further guidance as soon as possible after bereavement.

Bereavement Payment

This is a tax-free lump of £2000 to which you may be entitled if you, or your husband, wife or civil partner was not in receipt of state pension and had paid enough National Insurance Contributions at the time of their death or if their death was as a result of their occupation.

You may also be entitled to this payment, if your husband, wife or civil partner was over state pension age when they died and not entitled to a basic pension based on their own contributions (known as category A pension).

There is no entitlement to this payment if at the time your husband, wife or civil partner died: you were divorced from them or your civil partnership had been legally ended, or you were living with someone else as if you were married or in a civil partnership, or you were in prison or legal custody.

Widowed Parents Allowance

Are you getting Child Benefit for one of your children or one of your spouse or civil partner’s children?
Was your spouse or civil partner getting Child Benefit?
If you are a woman, are you pregnant?
You may be able to get Widowed Parent’s Allowance

If you have answered Yes to at least one of these questions and..
If your spouse or civil partner had paid enough National Insurance (NI) contributions.
If you have answered No to all these questions, you may still be able to get Bereavement Allowance.
If you are entitled to Widowed Parent’s Allowance, the amount that you get is based on the NI contributions of your spouse or civil partner.
Bereavement Allowance

If you are entitled to Bereavement Allowance, the amount that you can get depends on your age when your spouse or civil partner died and your spouse or civil partner’s National Insurance (NI) contributions. If you were aged 55 or over, you may get the full rate of Bereavement Allowance. But if you were aged under 55, you will get less than the full amount. Bereavement Allowance cannot include any Additional Pension and is paid at a basic rate only. You can usually get Bereavement Allowance for 52 weeks. It will stop if you become entitled to State Pension before the end of the 52 weeks.

‘How to Claim’

Just fill in claim form BB1 and send the form to you nearest Social Security Office within 3 months of the death of your spouse or civil partner. Failure to do so may affect your entitlement to benefit.

War Widows/Widowers Pension

You may ben entitled to this pension if your husband, wife or civil partner died as a result of their service in H.M. Armed Forces.

Further Information

As there are a number of benefits, allowances and pensions with different eligibility criteria, it can be difficult to be sure of exactly what you may be entitled to claim for.

Further information can be found on the following websites:

www.nidirect.gov.uk

www.turn2us.entitledto.co.uk

Our experienced office staff are available to offer advice, guidance and assistance.