There are rules about how a funeral is paid for.

If the person who died has left money, the funeral is one thing that should be of the priority to be paid for. Some banks will allow you to take the funeral director’s invoice to them to be paid directly  or you can pass it to your legal representative if you are using one.  However, you cannot use all the money left to pay for a lavish funeral if there are other debts and legacies to be paid i.e. money left to names individuals or charities. Please call us for advice if you are unsure.

If the money left by the person who has died is very little, all of the money may have to be used to pay for a simple funeral and there may be nothing left for family members and other beneficiaries.

You can apply to the fund if you are claiming any of the following benefits or are currently waiting on your claim:


  • Universal Credit

  • Income Support

  • Income-based Jobseeker's Allowance

  • Income-related Employment and Support Allowance

  • Pension Credit

  • Housing Benefit

  • The Disability or Severe Disability Element of Working Tax Credit

  • Child Tax Credit

  • Support for Mortgage Interest loan


If you have been on one of these benefits in the last 26 weeks you may be able to claim for a budgeting loan to help you with the costs for the Funeral.

You can arrange this by going to your local JobcentrePlus, or you can also call the DWP Bereavement Service.

Telephone: 0800 731 0469

Welsh Language: 0800 731 0453

Textphone: 0800 731 0464

Welsh Language Textphone: 0800 731 0456

NGT Text Relay (if you cannot hear or speak on the phone): 18001 then 0800 731 0469

Monday to Friday, 8am to 6pm


If you are on benefits or a low income Down to Earth can support you to find a meaningful funeral that is more affordable.


Their experienced team support thousands of people across the UK to look at their options, keep costs down, and identify ways to raise money for a funeral. They can provide free one to one support if the funeral has not happened; they mainly do this via their helpline 0208 983 5055, but you can also make initial contact by email


They also have information and resources on their website


If the deceased did not leave an estate to pay for their funeral or did not have a funeral plan or insurance in place, the next of kin can make an application to the DWP via the Social Fund.


If you need any other help call our helpline

0800 0246 121


NBS offers support, signposting and legal guidance following a bereavement, as well as offering guidance to anyone planning ahead in anticipation of their own death.

 Company number 09333323


0800 0246 121

Office 10, Consett Innovation Centre, Ponds Court Business Park, Genesis Way, Consett, County Durham, DH8 5XP

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