Help with funeral costs

In some cases, you can pay for the funeral using the bank account of the person who died. If their account has been frozen, you may need the help of the executor or administrator of the estate to access the money. However, this isn’t always the case.

Before trying to access their account, you’ll need to get a copy of the death certificate and an invoice for the funeral costs with your name on it. You’ll probably also need to provide the bank or building society with proof of your identity. They’ll then be able to pay the money directly to your funeral provider.

Note: You could get into legal trouble if you don’t speak to the bank or building society first. Even if you know the PIN or online banking information of the person who died, you still need to get written approval before taking any money from the account.

If you’re able to cover the funeral costs temporarily – for example, through a credit card payment or using Tyde’s flexible payment options – you may be able to recover the costs from the estate of the person who died.

Speak to the executor or administrator to find out the value of the estate, then calculate how much will be left after any secured debts (such as a mortgage) have been repaid. Knowing how much is left may affect the type of funeral you choose, so it’s worth finding out this information before making a decision.

If you live in England, Wales or Scotland and are arranging the funeral of someone under 18, you won’t need to pay any fees for a standard burial or cremation. This also includes simple ceremonies for stillborn and foetal remains.

This fund doesn’t cover the cost of things like a funeral director, flowers and a memorial service, so these will still need to be covered separately.

In England, the Children’s Funeral Fund also provides a £300 contribution towards the price of a coffin, casket or shroud. This can be claimed by you if you’re arranging a simple service, or a funeral director if you choose to use one.

The Funeral Expenses Payment is a government scheme designed to help with funeral costs for people on benefits. This can be used to cover costs like:

• Cremation fees, including the cost of the doctor’s certificate
• Burial fees for a particular plot
• Travel to arrange or go to the funeral
• The cost of moving the body within the UK, if it’s being moved more than 50 miles
• Death certificates or other documents

You can also get up to £700 for any other funeral expenses, such as funeral director’s fees, flowers or the coffin.

You can choose a Direct Cremation or Attended Service with Tyde that are completely covered by the Funeral Expenses Payment.

Who is eligible for a Funeral Expenses Payment?

If you get one of the following benefits, you should be eligible to claim a Funeral Expenses Payment:

• Income Support
• Housing Benefit
• The disability or severe disability element of Working Tax Credit
• Pension Credit
• Universal Credit
• Child Tax Credit
• Income-based Jobseeker’s Allowance
• Income-related Employment and Support Allowance

How to claim a Funeral Expenses Payment before the funeral with Tyde

If you choose to arrange a cremation with Tyde and qualify for a Funeral Expenses Payment, we can take payment directly from the government. Here's how it works:

1. Download a claim form for a Funeral Expenses Payment and state that you want the payment to be sent directly to Tyde.
2. Include a copy of our invoice with your claim – we can supply this for you after our initial phone call.
3. Attach some documents about your loved one’s assets to show that there aren’t enough funds in the estate to cover our cremation fee.
4. Include details of your relationship with the person who died, along with notes about other family members. This allows the government to work out who is the right person to make the claim.

Any questions? Please call us on 0333 444 2211.

How to claim a Funeral Expenses Payment after the funeral

If the funeral took place within the last six months, you can still claim some of the costs back through a Funeral Expenses Payment. Here are the key steps you need to follow to get help with funeral expenses:

1. Download a claim form for a Funeral Expenses Payment.
2. Make sure you have a copy of the invoice, contract or funeral bill to attach to your claim.
3. Include your bank details with your claim so that the Funeral Expenses Payment can be sent to you.
4. Attach some general information about your loved one’s estate to prove that there aren’t enough funds to cover the funeral costs. Include documents where possible to strengthen your claim.
5. Provide details of your relationship to the person who died, along with details of other family members. This is to help the government work out who is the appropriate person to claim.

You can find out more about how to claim a Funeral Expenses Payment here.

Bereavement Support Payment was brought in by the government to replace the DWP Bereavement Service. This may allow you to claim financial support that can then be used to cover the cost of a funeral.

If you have children or you're pregnant, you could receive a lump sum of £3,500 followed by monthly instalments of £350 for up to 18 months.

If you don’t have children, you could receive a lump sum of £2,500 followed by monthly instalments of £100 for up to 18 months.

Who is eligible for a Bereavement Support Payment?

You may be able to get Bereavement Support Payment if your husband, wife or civil partner died in the last 21 months.

You could be eligible if they paid National Insurance contributions for at least 25 weeks. You may also be eligible for a bereavement support grant if they died because of an accident at work or a disease caused by work.

In order to claim Bereavement Support Payment, you need to have been under the State Pension age when they died. You also need to be living in the UK or a country that pays bereavement benefits.

Note: You cannot claim Bereavement Support Payment if you are in prison.

How to apply for Bereavement Support Payment

If you’re in England, Scotland or Wales, you can apply for Bereavement Support Payment by calling 0800 731 0469. Alternatively, you can download and print a form, fill it out and send it in the post.

You can find out more about applying for Bereavement Support Payment here.

A great way of raising money for a funeral is to create a Tyde page.

When arranging a funeral with Tyde, you’ll have access to a portal where you can create an online obituary for your loved one – We call this a Tyde page. As well as publishing details of the funeral, you’ll be able to collect donations from friends and family which can be used to help cover funeral costs.

If someone dies with no money and no family who can pay for the funeral, the local council or hospital can arrange a Public Health Funeral. This usually takes the form of a short, simple cremation service.

You will be able to attend the funeral, but the local authority will decide the date and time of the service. Extras like flowers, cars and a death notice in the local paper aren’t included.