Financial Advice
Navigating the financial aspects of losing a loved one can be overwhelming, especially during such an emotional time. Understanding the financial support available and knowing where to seek advice can help ease some of the burden. Below is a guide from Midlands Direct Cremation on the financial assistance and advice services available in the UK, along with their contact details.
1. Bereavement Support Payment
The Bereavement Support Payment is a government benefit for those who have recently lost a spouse or civil partner. It provides a lump sum payment, followed by monthly instalments depending on your circumstances.
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Eligibility:
You must be under State Pension age, and your partner must have paid National Insurance contributions for at least 25 weeks.
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Contact:
Phone: 0800 731 0469
Apply online: Bereavement Support Payment via gov.uk
2. Funeral Expenses Payment
For those on a low income or receiving certain benefits, the Funeral Expenses Payment can help cover funeral costs, including cremation or burial fees, death certificates, and travel expenses.
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Eligibility:
You must be responsible for funeral costs and receiving benefits like Universal Credit, Income Support, or Housing Benefit.
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Contact:
Phone: 0800 731 0469
Apply online: Funeral Expenses Payment via gov.uk
3. Pension Credit Bereavement Payment
If you or your partner were receiving Pension Credit, you might be eligible for additional financial support following your partner’s death. This could include a one-off payment or ongoing financial assistance.
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Contact:
Pension Service Helpline: 0800 731 0469
More information: Pension Credit via gov.uk
4. Charitable Support
There are several UK charities that provide financial support and advice for those facing financial difficulty following a bereavement.
Turn2us
Turn2us is a national charity that helps individuals in financial need access welfare benefits, charitable grants, and support services.
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Website:
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Phone:
The Money Advice Service
This service provides free and impartial advice on managing finances, debt, and planning for the future, with resources for handling the financial impact of bereavement.
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Website:
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Phone:
StepChange Debt Charity
StepChange offers free debt advice and solutions, helping you manage your finances after a bereavement. They assist with budgeting, dealing with creditors, and debt management plans.
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Website:
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Phone:
Cruse Bereavement Care
In addition to emotional support, Cruse provides guidance on financial matters following a death, such as benefits and financial planning.
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Website:
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Phone:
5. Local Authority Support
Your local council may offer services like help with funeral costs or emergency grants. Contact your local authority to see what assistance is available in your area.
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Find your local council:
6. Citizens Advice Bureau (CAB)
The Citizens Advice Bureau offers free, confidential, and independent advice on money, legal issues, and other matters. They can guide you through the financial and legal aspects of bereavement.
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Website:
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Find your local branch:
7. National Bereavement Service
The National Bereavement Service offers free, confidential advice on practical and financial matters related to bereavement.
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Website:
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Phone:
Seeking Financial Support
It’s important to explore all financial support options after a bereavement. Whether you need help with immediate expenses or longer-term financial planning, these resources are available to offer guidance and support during this difficult time.
For more information or to discuss your needs, please contact Midlands Direct Cremation. We are here to provide compassionate guidance and support.
Service Areas
We proudly serve families throughout the Midlands, Staffordshire, and Derbyshire. Key population areas include: