Paying For Funeral Costs
Paying For The Funeral.
Funerals can be expensive, check first whether the person who has died, had made arrangements to pay for the funeral.
If there were no funeral arrangements made prior, check where the money will come from. Otherwise, you may be responsible for payments.
If no one is able or willing to arrange and pay for the funeral, the local council, or in some cases the health authority, may pay for the funeral. They will only do this if there were no prior arrangements made.
*The sections below will give you some examples of what they might have had arranged.*
If Someone Has Arranged To Pay For Their Own Funeral.
After someone dies, their bank account is ‘frozen’, unless the account is a joint account. To gain access, the bank will ask you to provide certain documents, which will usually include the death certificate. With this you may be able to obtain part of their savings to pay for the funeral.
You should check the person’s papers for a membership certificate of the Cremation Society, life insurance policy or a funeral plan, which has already been paid for if they have one. You should also look for letters from their past employers with details about any workplace pension scheme or personal pension. These might cover the cost of the funeral, and also provide other financial support for their surviving husband, wife or civil partner.
There may be money to pay for the funeral, from money or assets the person has left behind or through schemes and pensions that they paid into during their life.
If the person was living in residential care home or a hospital, the home or hospital will release the person’s belongings to the nearest relative, or to the person who has written permission from whoever is dealing with the will. There may be a limit on the value of the belongings the home or hospital can hand over. This is set by the local council for the area.