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Does The Government Help With Funeral Costs

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What Can Be Covered

The Federal Government Is Offering Money For Funeral Cost Assistance Due To COVID-19

OBS can pay up to a maximum amount of $1,700 under the current emergency rule towards the cost of a funeral bill for a decedent’s final disposition to the decedent’s relative, friend, Organizational Friend or authorized representative.

In the event, the funeral bill exceeds the current $3,400 cap under the emergency rule, the cost of the burial plot, grave opening or cremation will be deducted from the total bill and where the remaining bill amount is less than the above cap a burial allowance will be approved.

Memorial Grant Program For First Responders

A Memorial Grant Program for First Responders is offered to the families of first responders who have died as a result of their duties. The Memorial Grant Program for First Responders will provide a one-time tax-free lump sum direct maximum payment of $300,000 to the beneficiaries of first responders.

The Memorial Grant does not compensate beneficiaries of first responders for monetary loss or serve as life insurance but is in recognition of their service and sacrifice.

More information about this benefit can be found here.

Government Help With Funeral Costs

The Funeral Expenses Payment is a government grant towards the cost of a funeral from the Department of Work and Pensions.

To be eligible you must first of all be responsible for the funeral costs and in receipt of qualifying benefits.

The average funeral payment covers about 41% of the average cost of a simple funeral.


The DWP look at two things in deciding whether to issue a funeral payment:

  • The applicants benefits and very possibly the benefits of some of the deceaseds family

  • Whether they consider the applicant to have had the closest contact with the deceased
  • The applicant also usually needs to be named on the funeral bill if not it will need to be explained why.

    What benefits are required?

    You or your partner need to be in receipt of one of the following income-related benefits:

    • Universal Credit
    • Working Tax Credit which includes a disability or severe disability element
    • Child Tax Credit

    If your financial circumstances were connected to the person who has died, your benefits may have been affected and you may need to make a new application first – call the DWP Bereavement Service on 0800 731 0469, or your council if it is an application for housing benefit.

    If you are not currently in receipt of benefits, you may now be eligible you can check by completing a benefits calculation online. Also, take a look at our guide to finances after a bereavement.

    Closeness of contact
    Reasonable to take responsibility?
  • Immediate family members
  • Close relatives
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    Cost Of A Funeral In Canada

    Funerals are largely influenced by cultural and religious traditions, family choices, and most importantly the cost. Most funerals in Canada are held one four days after the demise of the deceased. Others that are delayed are either due to logistics, or to allow friends and families who are far away to arrive.

    Funerals in Canada vary largely depending on your province and which funeral service provider you choose to use. Currently, in Canada, two corporate funeral companies are operating Dignity Memorial and Arbor Memorial. Bear in mind that corporate funeral homes can be more expensive than family-owned funeral homes.

    Though death can strike unexpectedly, it is advisable to carefully check the prices of different funeral homes to compare prices before making your decision. There are so many things to consider while planning a funeral, things like the casket, the cemetery plot, grave marker, casket liner, etc.

    The cost of a funeral in Canada can be as low as CA$1,500 or as high as CA$20,000 depending on the familys culture, values, and preferences. Some of the costs you will be covering include:

    • Death registration and certificate

    Just like how all births are legally registered, every death must also be legally documented before a death certificate can be issued to a family member. The cost of registering and getting a death certificate in Canada varies per province and the number of certificates being registered.

    • Moving the body
    • Casket/Shroud/Urn
    • Preparing the Body

    Prepaid Funeral Plans And Insurance To Cover The Funeral Cost


    An increasing number of people are planning ahead for their funeral. This can be done by making arrangements to pay for their funeral in advance. Usually, it is in the form of pre-paid funeral plans or whole of life insurance policies. The latter pay out a fixed sum, which may be enough to cover the cost of a funeral.

    Always check what each plan includes and read the terms and conditions to fully understand the costs, benefits and limits of different plan options.

    Any funeral plan should be allocated to a funeral provider within 30 days of purchase, and you may get to choose this firm. Some plans can be paid in full or over a fixed number of instalments. Either way, you are protecting the people you leave behind from the worries of making decisions and covering the costs.

    Plan ahead and save your loved ones the stress and heartache. Get in touch with Pure Cremation to make the arrangements for your funeral.

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    Canada Pension Plan Death Benefit

    The Canada Pension Plan Death Benefit is a federally mandated service that provides survivors with two kinds of assistance:

    • A one-time payment to the estate on behalf of the deceased
    • A monthly pension

    If approved, the deceased could receive a one-time payment of $2500, known as the death benefit to their estate. This government funeral assistance can be used to offset the cost of a funeral. CPP reimburses the funds after you have paid for funeral arrangements. You must apply within a year of the deceased’s date of passing otherwise, you forfeit the benefits.

    Survivors of the deceased could also receive a monthly pension known as the Survivors Pension or Childâs benefit. In certain circumstances, additional funding may be provided to dependents who have children enrolled in a full-time academic program.

    To apply for the CPP benefit, complete the CPP Death Benefit application and the Survivor’s Pension and Childrenâs Benefit if applicable. Be sure to include original copies of all required documentation, and then mail the application to the address indicated on the form. Payment from Service Canada takes approximately 6 to 12 weeks from the date they have received your completed application.

    Other Options For Funeral Assistance

    If a person isunable to receive funeral assistance from a nonprofit in their city, state, orcounty because they do not meet eligibility standards or are otherwise unableto complete an application, they have other options for gaining resourcesregarding financial aid.

    Although not a nonprofit, crowdfunding platforms are a successful way to gather widespread support for a cause based on donations.

    Crowdfunding, or crowdsourcing, is a money-raising method in which individuals request money from the public. The rise in popularity of social media has made crowdfunding increasingly successful.

    Social platforms allow users to reach a large number of people, with individuals donating small amounts that can add up fast.

    There are somecrowdfunding websites that are specifically set up for funeral costs, andothers that are more general and can encompass many different needs.

    Deposit a Gift is a site specific to funeral and memorial funding. The website is free to use and user-friendly. When creating a page, a person must write about the person who is deceased, the family, and include pictures of the person throughout their life. A goal funding raising amount is set, and the campaign will remain live on the website until the goal is met.

    The most popular crowdsourcing website is GoFundMe. Because it is so well known, it is recommended to use as people will recognize the website and feel more comfortable donating to it.

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    Paying With The Bank Account Of The Person Who Died

    The person who died might have left money in their account to pay for their funeral.

    However, the bank or building society normally freezes their individual account when theyre told of the persons death.

    You usually need the help of the executor or administrator of the estate to access the money in their account once its frozen.

    It is sometimes possible to access the money in their account without their help.

    As a minimum, youll need a copy of the death certificate, and an invoice for the funeral costs with your name on it.

    The bank or building society might also want proof of your identity.

    They can then pay the essential funeral bills directly to the company providing the service.

    Its not a good idea to access the persons individual accounts, even if you know their debit card PIN or online banking log-in.

    Speak to the bank first if you need to do this or you could get into legal trouble.

    If the person who died has a joint account where the joint owner is still alive, that person can still access the money in the account.

    How To Make A Ctp Claim

    FEMA reimbursing up to $9,000 in COVID-19 funeral costs

    Submit a claim for funeral expenses within 3 months of the accident. This can be done before or after the funeral.

    If its been longer than 3 months, youll need to give a written explanation for the delay.

    You can submit a claim for funeral expenses if you’re the:

    • legal personal representative of the person who has died , or
    • person who has paid or is responsible for paying for the funeral, where there is no legal personal representative.

    Find out more about how to make a CTP claim for funeral expenses at the State Insurance Regulatory Authority.

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    Government Funeral Financial Assistance In New Brunswick

    The New Brunswick government offers a benefit that provides assistance to applicants who need to pay for a funeral for a deceased family member. Eligibility is based on the financial situation of the deceased person as well as the financial situation of the deceased’s family members. Learn more here. See also our full guide to New Brunswick Funeral Financial Assistance Programs.

    How To Pay For A Loved Ones Funeral

    After deciding on a funeral and making arrangements with a funeral provider, you will have a few different options on how to pay for it.

    If the deceased had a prepaid funeral plan, funeral bond, or funeral insurance, this could cover most or all of the funeral costs. Otherwise there are a number of Centrelink allowances that may be available to assist pensioners to pay for a funeral. These will be explained further below.

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    What Is A Funeral Payment

    Funeral Payment is a government scheme designed for people on a low income, who receive certain benefits, to help them pay for a funeral. If you receive a Funeral Payment, you are typically required to pay the government back any money you get from the personâs estate. For example, this could include their savings.

    In England and Wales, a full award will be a significant contribution towards the typical cost of a funeral. However, youâll probably have to find additional funds to pay the total cost, unless you’ve chosen a very simple service.

    You can use a government funeral payment to pay for the following:

    • The death certificate and other documents
    • Cremation fees, plus the cost of the doctorâs certificate
    • Travel costs when you arrange or attend the funeral
    • Any additional costs of moving the deceased body more than 50 miles
    • Burial fees for a particular plot
    • Up to £1,000 to cover any other funeral expenses, for example, the coffin or the funeral directorâs fees

    How much you get depends on your circumstances and what other money is available to cover the costs, such as the deceased personâs estate, funeral insurance, or prepaid funeral plans.

    Alternatives To A Traditional Funeral

    Pricey last farewell

    If you are still having trouble covering the costs of a funeral you may want to consider a less traditional service, like cremation or green burial.

    About half of Americans choose cremation over burial. Cremation costs range between $2,000-$3,000. Direct cremation can cost even less, ranging from around $500-$1,800.

    In direct cremation you skip the service all together. The funeral home handles the cremation, then returns the remains to the family.

    Green Burials can eliminate a lot of the costs associated with traditional burials. According to the NFDA, 53% of Americans are considering a green burial.

    A green burial replaces a metal casket with either a biodegradable shroud or simple pinewood. The vault is forgone, and the embalming is skipped. These changes make burials more sustainable by limiting their impact on the environment and cheaper by going without a lot of what goes into a traditional funeral.

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    Are You Eligible For A Bsp

    You must be below State Pension Age if you want to claim Bereavement Support Payment. Your spouse or civil partner must have paid their National Insurance Contributions for a minimum of 25 weeks during their working life, for you to qualify. However, if your partner or spouse died due to an industrial injury, their National Insurance Contributions might not be a requirement.

    Costs Of Cremation Cemetery Options

    There are unique and beautiful ways of varying costs to create a lasting legacy for those choosing cremation. Whether you want to bury an urn in a cemetery garden, place it in a columbarium or mausoleum niche, or choose another inurnment option, such as a bench or a boulder, well help you find the final resting place best suited to your preference and budget.

    • A columbarium is a room or structure designed to house cremated remains. Columbaria are permanent memorials with banks of cremation niches . A columbarium can be large or small, private or public. Some columbaria have glass-front niches, which allow you to see the cremation urns and personal artifacts displayed with them. Other columbaria have granite-front niches that can be engraved or memorialized with plaques. Some columbaria have both.
    • Cremation gardens are sections of a cemetery set aside for cremated remains. Some cremation gardens allow for in-ground burial of urns. Others allow cremated remains to be scattered there. Some include benches, boulders, statues and more that are designed to hold cremation urns.

    As with more traditional burial options, cemetery plot costs can vary based on the type of property you choose. Your local Dignity Memorial provider can walk you through the cremation cemetery options in your area.

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    Defray Funeral Costs With State National And Local Aid

    You may be wary about crowdfunding to cover funeral costs. You might worry about putting undue pressure on your friends to contribute or even feel embarrassed that you cant afford a funeral on your own. If youre in that boat, learn more about what charities and nonprofit organizations can offer.

    You can also see if youre eligible for state, local, or federal aid. Even if you cant get the funeral completely covered, you can often get discounts or receive small portions of money to offset costs. Hopefully, help like this can send your loved one off the way he or she deserves.

    If you’re looking for more ideas on how to pay for a funeral, read our guides on how to pay for a funeral with no money and how to ask for donations for funeral expenses.

    Post-planning tip: If you are the executor for a deceased loved one, you have more than just the funeral to think about. Handling their unfinished business can be overwhelming without a way to organize your process. We have a post-loss checklist that will help you ensure that your loved one’s family, estate, and other affairs are taken care of.

  • Burial and Survivor Benefits for, United States Government, 4 November 2019,
  • Disaster Funeral, U.S. Department of Homeland Security: Federal Emergency Management Agency, 9 August 2016,
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    Government Funeral Assistance In Ontario

    Government program provides up to $9k for COVID-related funeral costs

    To see a full list of Ontario funeral financial assistance programs in this article, or read the highlights below.

    Ontario Works makes available government funeral assistance in ontario. The service is available to all Ontario residents to help offset the basic expenses of an arrangement for those who cannot afford it. Ontario Works may help to cover the cost of any funeral services including, but not limited to:

    • The transfer of the deceased
    • Cremation, including scattering or burial of the remains.
    • Burial plot, including plot purchase or opening/closing costs for pre-purchased plots.

    Approval for Ontario Works depends on the deceased’s financial standing and considers insurance policies and assets. Once you receive approval from Ontario Works, you can begin making your arrangements with Eirene or your preferred funeral service provider. If approved, the average payout from Ontario Works is approximately $2250 but can vary depending on location and individual circumstances.

    Note: You must be approved for this benefit prior to signing any contracts for funeral services.

    The deceased does not have to be a recipient of Ontario Works during their lifetime to benefit from Ontario Works following their passing. However, it is important to remember that Ontario Works will be entitled to any funeral funds available in the deceased estate.

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    How Government Funeral Assistance Can Help If You Can’t Afford Final Expenses In Canada

    We donât often consider the cost of funeral arrangements until we experience the loss of a loved one and are tasked with managing their funeral arrangements. The cost of a funeral can surprise families and may add stress during an already difficult time.

    From 2004-2019, funeral expenses increased 35 percent. During that time, 13 percent of campaigns created on the crowdfunding website GoFundMe were categorized as funerals, which remains one of their fastest-growing categories. In Canada, the average funeral cost is between $10,000 and $20,000, and with direct cremation, the most popular method of disposition, the price averages $5000. See more information related to funeral costs in this post about itemized funeral costs.

    At Eirene, we believe everyone deserves access to dignified end-of-life care, no matter their circumstance. Families should never be in a situation where they have to crowdfund for a loved oneâs funeral. Thatâs why we wanted to share some financial resources you may not have considered to help cover the costs of a funeral, cremation or aquamation. Most are available as government funeral assistance from public funding or via agencies that provide insurance services to workers.

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