HOW DO I PAY FOR THE FUNERAL?

Established 1877 www.jbshakespeare.com 3 Payment from your own funds own your from Payment Charitable Organisations Funerals Statutory Funerals Children’s Payment from the Deceased’s Estate Deceased’s the from Payment Support Payments Bereavement the from Payment Expenses Funeral Social Fund Loans Budgeting Plans Finance Crowdfunding Grants

Our friendly funeral arrangers are here to help here are arrangers funeral friendly Our funding and of ways willing to discuss and are findwill also You service. funeral the for paying this booklet. throughout information more • • • • • • • • • • • Introduction much a funeral how know don’t Often people a loved one. it for to arrange , until it is time costs this can put family time, distressing an already At Everyone in a difficult position. and friends best possible loved one the to give their wants the funeral? for you pay do but how send-off, many provide Directors Funeral Fisher Colin When making the a funeral. for to pay options will arranger funeral your arrangements, funeral costs with a full, itemised estimate of you provide The full specified. arrangements the funeral for on the estimate needs to be paid amount shown to avoid it to the funeral prior days in full two being postponed. include any which may invoice, full and final A such as to the services last-minute adjustments on the required staff extra additional flowers, in duration 3 hours running over funeral or day 7 days within be provided will memorial pins, or required with the balance date, the funeral after within 14 days. that appreciate Directors Funeral Fisher Colin real very and present be expensive can funerals who have made no prior families difficulties to such expenses. for provision . 020 8660 5547

They will also help you contact organisations organisations contact you also help will They the of with the cost you be able to help who may a full breakdown with you and provide funeral submit to service the funeral of costs the of Work to the Department for claim your with Charitable Benevolent Funds, and Pensions, Companies. and Finance Organisations a full aftercare offer we the funeral Following support groups including bereavement service of free counselling, bereavement and one-to-one these benefit from would you feel you If charge. call or arranger, funeral your please tell services, Christine on

You are not alone not are You as no come so it should expensive, are Funerals to find the struggle people many surprise that people 1,640 them. In the UK for to pay money the population With 22% of day. die every that is 328 people on living in poverty, officially day. dying every the breadline are Directors Funeral Fisher Colin why That is family your and you to helping committed that this is understand We this time. through of worry without the added difficult enough financing the funeral. you to help happy will be arranger funeral Your service. funeral and respectful a simple arrange keep to ways on advice offer will be able to They but still have a full and down, the expenses be loved one. It may your for dignified service can look at alternative, less traditional you that than the personal be more which may options service. funeral traditional 2 www.jbshakespeare.com 5 0800 731 0139 How to claim Pensions Work and for The Department the be done over applications to encourage request telephone that any claim They phone. minutes. in about 10-15 with can be dealt funeral and our charge, of free calls are Phone with this call. you can support arrangers here: can be accessed the form Alternatively, https://www.gov.uk/government/publications/ bereavement-support-payment-claim-form claim a new to use to make The phone number is: What you’ll get an of consists Support Payment Bereavement you if £2,500 (or, of initial lump sum payment 18 monthly and a further £3,500) have children, eligible for you’re if £100 (or, instalments of Child Benefit, £350).

Paid National Insurance contributions for for contributions Insurance National Paid if matter – it does not weeks at least 25 Insurance paid National have not you yourself. contributions a or work at an accident Died because of work disease caused by age Pension State Under pays that a country or Living in the UK benefits bereavement

• • • • Bereavement Support Payments Support Bereavement Support Bereavement get be able to may You civil partner or wife husband, your if Payment age. state pension has died under or wife husband, your eligible if be could You either: civil partner been: must have you died When they Support claim Bereavement cannot You were you in prison, if you’re if Payment dissolved, was civil partnership your divorced, living with someone else when were you or died. civil partner or wife husband, your can be paid Support Payment Bereavement wife husband, your up to 18 months from for state reach you death but if civil partner’s or months, the 18 the end of before pension age qualify. will no longer you

certificate and photographic ID. Most banks and ID. and photographic certificate building societies have special bereavement you. who can assist staff funeral to cover is to be sold a property Where However, will be required. Probate costs, months to complete, several can take Probate in need to be financed may so the funeral funeral Your until this is finalised. way another with our in contact you can put arranger to will be happy who Advisor specialist Probate the process. through you talk remittance advice. remittance will issue a we is received, When payment records. your this for retain Please receipt. Probate or Administration of Letters If need this to may you required, are procedures the Estate. from the funeral of the cost recoup who advisor do have an inhouse probate We with probate. you can assist We accept all major Credit cards and do not and do cards Credit all major accept We payments. card for an additional charge make bank our for arranger funeral your ask Please your the details to state on details and

By bank transfer By Colin Fisher Fisher to Colin payable cheque (made By Ltd) Directors Funeral card credit debit or By By cash By

Should there be funds within the deceased’s within the deceased’s be funds Should there these funds account, building society bank or part if (or the funeral for can be used to pay the funeral). of less than the full cost funds are have do not the family way, this paying By is the funds and there own their from to pay removed are additional benefit that payments tax inheritance estate for the deceased’s from purposes. building the bank or will need to provide You Colin from invoice funeral your with society an original death Directors, Funeral Fisher • Estate from the Deceased’s Payment • • • Payment from your own funds own your from Payment is executor kin or of the next Usually, responsible for making and paying for the for and paying making for responsible deceased. the for arrangements funeral we clients our for easy the process make To as options payment as many have provided listed below: which are possible,

4 www.jbshakespeare.com 7 Burial fees for a particular plot particular a for Burial fees the of including the cost fees, Cremation certificate doctor’s to the funeral go or to arrange Travel within the the body moving of cost The than 50 miles being moved more it’s UK, if documents other or Death certificates

funeral up to £700 towards can also receive You fees, director’s such as funeral expenses will not payment The coffin. the or flowers the funeral. of all the costs cover usually your depends on get you much How money other This includes any circumstances. example for the costs, available to cover that’s the deceased or policy an insurance from estate. person’s you plan, funeral had a pre-paid the deceased If items for up to £120 to help pay get can only plan. their by covered not your is paid into Expenses Payment Funeral if union account credit or bank, building society the funeral. paid for already you’ve to the organiser will be paid directly The money director) the funeral example, (for the funeral of yet. paid have not you if For enquiries about existing claims please call please claims existing about enquiries For 169 0140. 0800 What you’ll get What you’ll for can help to pay Payment Expenses Funeral following: the of the costs some of • • • • •

The parent or person responsible for a for responsible person or The parent under 16 (or under was who child deceased The partner of the deceased when they died when they deceased the of The partner deceased the friend of close or close relative A weeks 24 after stillborn baby a of The parent pregnancy of training). education or 20 and in approved

Payment Expenses a Funeral get might not You (such the deceased of close relative another if work. is in parent) as a sibling or • How to claim Pensions and Work for The Department the to be done over applications encourage request telephone claim that any They phone. minutes. with in about 10-15 can be dealt funeral and our charge, of free calls are Phone with this call. you can support arrangers here: can be accessed the form Alternatively, https://www.gov.uk/government/uploads/ system/uploads/attachment_data/file/586398/ SF200-funeral-payment-claim-form.pdf claim a new to use to make The phone number 2) is: 0800 731 0469 (Option before must be in place the funeral of The date the over the application will consider the DWP claim until with any deal won’t DWP The phone. the funeral. of the date after with relationship on your Rules the deceased following: the be one of must You • • • Child Tax Credit Child Tax Credit Universal Income Allowance Income-based Jobseeker’s Allowance Support & Employment Income-related Credit Pension Benefit Housing of element severe-disability or The disability Credit Tax Working

You might also be eligible if you’re getting a getting you’re eligible if might also be You can also You loan. Interest Mortgage Support for haveyou if Expenses Payment a Funeral claim for these benefits, of any made an application for claim. your of the outcome still awaiting but are child a deceased for responsible were you If the non- can claim if you parent, their but not of more one or is receiving parent resident these benefits. the of is a close relative there Where benefits, of in receipt that is not deceased Expenses Payment a Funeral claim for your be accepted. not may

• • You (or your partner) must be receiving one or one or must be receiving partner) your (or You the following: of more • • • • • • Qualifying Criteria: Qualifying

the deceased in the UK,the a funeral arranging You’re or (EEA) Area Economic European You get certain benefits or tax credits benefits or certain get You with relationship your meet the rules on You

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from the Social Fund the Social from need help to pay and on income low are you If be possible It may arranging, you’re a funeral for Work for the Department to claim from you for costs. funeral to assist towards and Pensions and process a complex Making a claim can be at frustrated and can leave people confused funeral our why That’s time. stressful a very the Department contact you can help arrangers may you what to discuss and Pensions Work for the through you and to guide be entitled to, claims process. the is from payment The funeral when qualifying benefits available to people on the estate or the family from money is no there a of the cost used to cover It the deceased. of 37% of around covers only It now basic funeral. bill. the overall the from payment a funeral for can apply You apply: the following social fund if Payment Expenses Funeral 6 www.jbshakespeare.com 9

www.turn2us.org.uk offer any support you may need in regard to the regard need in you may support any offer repayments. and its finance flexible very is and agreement The finance to settle thewish you Should transparent. canyou states, than the agreement earlier balance will charge interest and the penalty, without do so period. payment be adjusted to match the and £500.00 a loan between for can apply You fees. funeral the part of all or to cover £7,500.00 months. 12-48 can be made over Repayments online at: Applications can be made which has a search function for charitable function for which has a search and benevolent funds. organisations https://colinfisherfuneraldirectors.com/ arranging-a-funeral/paying-for-the-funeral/ Finance Funeral Safe telephone to Funeral by or 0330 002 0875. They a specific illness. have died because of who they for specifications own each have their a provide be able to will not can help and often been paid for. items that have already for grant the charity important to contact It is therefore application your as soon as possible to submit arranger funeral your and advise assistance, for a charitable for Applying so. have done you that will be you that guarantee not does grant successful. to a access has arranger funeral Your benevolent funds and charitable database of you able to assist be who may organisations Please emotionally. or practically financially, organisations details of hesitate to ask for don’t Alternatively, you. to be appropriate that may website can visit the you Benevolent Funds and Benevolent Funds Charitable Organisations Finance Plans Finance funeral provide Directors Funeral Fisher Colin regulated FCA with an via an agreement finance Finance. Funeral FuneralSafe provider the funeral whilst making apply can You help can arranger funeral Your arrangements. a successful Upon with the application. you message a text receive will you application agreement. loan your and an e-mail containing with everything in the loan happy are you If in the it via the link can accept you agreement the agreement have accepted you e-mail. Once by notified are Directors Funeral Fisher Colin need you and all Finance, Funeral FuneralSafe repayments. agreed your to do is make you provide will Finance Funeral FuneralSafe to manage online login account with a personal able to are they Furthermore, plan. finance your Depending on where you and your family family your and you where Depending on find that additional may you work, members specific help and support is available from benevolent funds. Benevolent funds can be or unions, armed services, to trades, linked within the UK. location your even provide a benevolent fund is to of The purpose help during difficultfinancial support and practical to a full has access arranger funeral Your times. that benevolent funds and organisations list of to apply. and how you be able to aid may online Some benevolent funds have a fully you require whilst others application process, an application form. them to ask for to contact will be you that guarantee does not Applying In addition to financial support, successful. with able to assist often benevolent funds are support. and practical emotional who have funds to charities few a are There who those particularly costs, with funeral help £464 if you have a partner have you if £464 claim Child partner your or you £812 if loan back the Can pay (£2,000 than £1,000 more savings of Have over) 63 or are partner your or you if Loan Budgeting back an existing paying Are Loan Crisis or

Benefit you: whether on depends get could you much How only you so free is interest Loan Budgeting A borrow. you what back pay automatically taken will be repayments The is repay you The amount benefits. your from benefits any - including income your based on can afford. you what - and receive you you’ll Loan, a Budgeting for you apply After a offered been you’ve if you telling a letter get weekly your much explains how The letter loan. the loan. accept you be if would repayments years within 2 the loan must repay normally You you’ll benefits, stop getting you If weeks). (104 to repay. way another need to arrange • • • • •

£348 if you’re single you’re £348 if (You can apply for a Budgeting Advance Advance a Budgeting for can apply (You involved in industrial action (for You’re lockout) or walkout a strike, example or in Crisis than £1500.00 more owe You Loans Budgeting You are currently claiming Credit claiming Universal currently are You Pension Income Support Income Allowance Income-based Jobseekers and Support Employment Income-related

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If you moved from Universal Credit to Pension Pension to Credit Universal moved from you If claiming Universal time spent then any Credit the 6 months. towards will count Credit if: loan a budgeting get cannot You Allowance • What you could get You is £100. you can borrow amount The lowest up to: get could • • • • • • • Budgeting costs. funeral can help pay Loan Budgeting A a Budgeting for eligible only are you However, the of one receiving have been you if Loan least 6 months: at for benefits following 8 www.jbshakespeare.com 11 fees for the removal of implanted medical devices implanted medical of the removal for fees cremation of completion the a cremation, for the or a medical professional by certificates where – digger grave a third-party of services authority. the cemetery claimed by not these are a suitableof cost the cover also will They remains cremated storing the child’s for container by the urn supplied if similar or in a columbarium this. is unsuitable for the crematorium of orders items, such as flowers, additional For additional vehicles etc, there of provision service, who can charitable organisations specific are or the funeral of the cost towards issue grants has access arranger funeral Your a headstone. and organisations charitable to a database of be able to offer who may benevolent funds time. at this financial assistance Children’s Funerals Children’s understand we Directors Funeral Fisher Colin At is a a child the death of with that dealing In addition parent. any for experience devastating offer we families, all our to offer we to the support babies for charge of free service a simple funeral 18. of the age under and children thefor third-parties for be charges may There the methods above of and many service, funeral extra and any these can be used to finance desire. may you services the introduced recently government has The for that fees to ensure Fund’ Funeral ‘Children’s by waived will be a child of cremation the burial or and cemeteries, crematoriums all local authority the government. instead be funded by will and contribute up to £300.00 will also The fund any cover well as the child, as for a coffin towards

are similar across the different platforms and platforms the different across similar are the site, creatingwith registering include generally crowdfunding your for the reason of a description towill need You photographs. and uploading this to be and a time scale for amount set a goal details so that bank your provide achieved and the payments. can receive you what it is best to check When researching on donations, takes website the commissions credit for additional fees are there whether and that It is important to consider payments. card the amount of has no guarantees crowdfunding be raised. will that Public funeral costs are regarded as a civil debt as regarded are costs funeral Public toyears and local authorities have up to three costs a public funeral’s all, of some, or reclaim The died. who has the person the estate of from property savings or money, estate includes any include a housethat someone had, but does not or widower widow, left to a things personal or surviving civil partner. To officer. funeral has a statutory borough Each Croydon of the borough for the officer contact on Service Bereavement Croydon please contact 0208 684 3877.

Statutory Funerals Statutory Crowdfunding quickly money to raise way is a Crowdfunding It people. other from donations requesting by small people to contribute many asking by works using cause. By your towards money amounts of large very and social media a online functions in a short be approached people can of number time. amount of all for money to raise use crowdfunding People is just one funerals for Paying causes. sorts of these. of websites. crowdfunding different many are There page setting up a crowdfunding for The steps Some families find that, although there are there find that, although Some families a funeral cover available to insufficient finances from entitled to a grant not are they arrangement, a financeto get unable and are the Social Fund, The the funeral. alternative funding for or package the to make even have no family may deceased arrangements. funeral to arrange law by required are authorities Local when no funeral health’ ‘public or a ‘statutory’ a for have been made suitable arrangements sometimesThe funeral, area. in their person is typically funeral’ to as a ‘Pauper’s referred and takes director funeral with a local arranged funeral. a simple, no-frills of the form decide that this is the best family your and you If died at home and the person you, for option funeral your please ask home, in a nursing or will need You an application form. for arranger in Officer Funeral to submit this to the Statutory died for which the person in the local authority the person If the application to be considered. will need to speak to the you died in hospital then an application. for office hospital bereavement guaranteeSubmitting the application does not Funeral Statutory The will be accepted. that it exact your will need to investigate Officer who has the person and those of circumstances, died. 10 JB SHAKESPEARE FUNERAL DIRECTORS 1 Norfolk House, Wellesley Road, Croydon, Surrey CR0 1LH Tel: 020 8688 1447 or 020 8688 2003 175 Selsdon Park Road, Croydon, Surrey CR2 8JJ Tel: 020 8657 3616

Email: [email protected] www.jbshakespeare.com

Established 1877