Funeral costs in the UK have reached record levels, leaving many families struggling to cover the expenses. The average cost of a simple funeral is now £4,285, according to the 21st SunLife Cost of Dying report. For a full send-off, including probate fees and related services, the cost soars to £9,797. With prices set to increase further due to inflation, it’s essential to look into ways to manage these rising costs and access available support.
Rising Costs
Since 2004, funeral expenses have more than doubled, rising from £1,835 to today’s average of £4,285 for a simple ceremony. The financial strain is significant, with one in five families finding it challenging to pay these bills. Prices are expected to rise again after February 28, 2025, when most funeral providers adjust fees to reflect inflation.
Government Support
If you’re on certain benefits and related to the deceased, you might qualify for a funeral expenses payment from the Department for Work and Pensions (DWP). This can help cover:
- Burial or cremation fees
- Travel for funeral arrangements
- Transportation of the body (over 50 miles)
- Death certificates and related documents
You could also receive up to £1,000 for other funeral-related costs, such as funeral director fees, flowers, or the coffin. However, these payments are deducted from the estate of the deceased, and you must have a qualifying relationship (e.g., partner, parent, close relative) with the deceased to be eligible.
Children’s Funeral Fund
The Children’s Funeral Fund supports families with funeral costs for children under 18 or stillborn after 24 weeks of pregnancy. The government contributes:
- £300 in England
- £500 in Wales
- £1,000 in Scotland and Northern Ireland
Charities
In addition to government support, several charities and private organisations offer financial assistance for funerals. Tools like the Turn2Us grants search can help identify these resources.
Planning Ahead
Opting for a prepaid funeral plan can be an effective way to lock in today’s prices and avoid future inflation. Providers like Aura and others offer flexible payment options, ranging from 12 months to 10 years, to make funeral planning more manageable. Look for plans that cover all expenses without hidden fees.
factors
- Ensure the company is FCA-regulated.
- Check reviews on platforms like Trustpilot.
- Investigate reports from Fairer Finance to evaluate providers.
- Compare options from different companies to find one that meets your needs.
Open Conversations
Talking about funeral arrangements can feel uncomfortable, but approaching the topic positively can make it easier. Discussing how one’s life should be celebrated can offer clarity and ensure their wishes are honored. Preplanning also prevents emotional overspending during a time of grief.
Saving Tips
- Share your wishes early to guide your family.
- Choose budget-friendly options tailored to your needs.
- Avoid making decisions under emotional stress by planning ahead.
Thinking ahead about funeral arrangements ensures your family is financially prepared and able to honor your wishes. It’s an essential step in reducing stress and saving money during a challenging time.
SOURCE – LINK
FAQs
What is the average cost of a funeral?
A simple funeral now costs £4,285 on average.
What does the funeral expenses payment cover?
It covers burial, cremation fees, and up to £1,000 for other costs.
Who is eligible for funeral expenses payment?
People on specific benefits with a qualifying relationship to the deceased.
What is the Children’s Funeral Fund?
It helps cover funeral costs for children under 18 or stillborn after 24 weeks.
How can funeral costs be managed?
Plan ahead with prepaid plans and look into available financial support.
