Pre-Paid Funeral Plans

Pre-Paid Funeral Plans

At Moss Funeral Directors, we understand that planning for the future can bring peace of mind during life’s uncertainties. That’s why we offer Pre-Paid Funeral Plans to help you prepare for your final arrangements with confidence and foresight.

Pre-Paid Funeral Plans allows you to make arrangements for your funeral in advance, ensuring that your wishes are known and your loved ones are relieved of the burden of decision-making during a difficult time. With our experienced team by your side, you can tailor your pre-funding plan to reflect your preferences and budget, ensuring that your final farewell aligns with your values and desires.

There are several benefits to Pre-Paid Funeral Plans your funeral with Moss Funeral Directors. Firstly, it provides financial security, allowing you to lock in today’s prices for future services and protect against inflation. This can provide peace of mind knowing that your loved ones won’t face unexpected financial burdens when the time comes.

Additionally, pre-funding allows you to personalize your funeral arrangements according to your wishes. Whether you prefer a traditional burial, cremation, or alternative ceremony, our team will work closely with you to ensure that every detail is planned exactly as you envision.

Furthermore, Pre-Paid Funeral Plans your funeral can help alleviate emotional stress for your loved ones. By making your wishes known in advance and taking care of the financial aspects, you can provide your family with clarity and reassurance during a difficult time, allowing them to focus on grieving and healing.

At Moss Funeral Directors, we’re committed to providing compassionate and comprehensive support every step of the way. Our pre-funding options are designed to give you peace of mind and confidence in your final arrangements, ensuring that your legacy is honored with dignity and respect. Contact us today to learn more about how we can assist you in planning for the future.

Pre-Funding Options Faqs

Who pays for the funeral?

In some cases, the deceased individual may have already made arrangements to cover their funeral expenses. In such instances, the executor of the estate assumes responsibility for settling the funeral bill.

The deceased may have allocated funds within their estate to cover funeral expenses, typically through savings or investments. Alternatively, they might have opted for a pre-paid funeral plan or maintained a life insurance policy that includes coverage for funeral costs.

Certain employers offer death benefits, providing a fixed sum in the event of an employee’s passing, which could be utilized to cover funeral expenses.

If no prior arrangements have been made, it’s common for a relative or friend to cover the funeral costs initially. However, they are eligible to seek reimbursement from the deceased individual’s estate if sufficient funds are available.

What happens if you can’t afford a funeral?

If the deceased’s estate lacks sufficient funds to cover funeral expenses, or if there are no available relatives or friends to arrange the funeral, the local council or hospital can organize a Public Health Funeral.

Typically, these funerals involve cremation, with the local council determining the time and date of the service. While attendance is permitted, additional features such as flowers, transportation, or newspaper notices are not included.

If you’re receiving certain benefits, you may also qualify to apply for a Funeral Expenses Payment from the government, which can assist in covering funeral costs.

Funeral Expenses Payment

Funeral Expenses Payment is a government scheme for people on a low income who are receiving certain benefits to help them pay for a funeral.

If you get one of these payments, you’ll usually have to pay the government back from any money you get from the person’s estate, such as their savings.

It won’t cover the whole funeral bill, so you might have to pay up to a third of the cost of a simple funeral.

It can help to pay for:

death certificates or other documents
cremation fees, including the cost of the doctor’s certificate
travel to arrange or go to the funeral
the cost of moving the body within the UK, if it’s being moved more than 50 miles
burial fees for a particular plot
you can also get up to £1,000 for any other funeral expenses, such as funeral director’s fees, flowers or the coffin.

Who gets it?

If you’re getting one or more of the following qualifying benefits:

Income Support
Housing Benefit
the disability or severe disability element of Working Tax Credit
Pension Credit
Universal Credit
Child Tax Credit
income-based Jobseeker’s Allowance
income-related Employment and Support Allowance.

Rules on your relationship with the person who died

The Funeral Expenses Payment is also subject to the relationship you had with the person who died. To qualify, you must have been one of the following:

the partner, close friend or relative of the person who died
the parent of a baby stillborn after 24 weeks of pregnancy
the parent of a child who has died who was under 16, or under 20 and in full-time approved education.

For the purposes of claiming a funeral payment, you’re a close relative if you were:

the parent, father-in-law, mother-in-law or step-parent
the son, son-in-law, step-son or step-son-in-law
the daughter, daughter-in-law, step-daughter or step-daughter-in-law
the brother or brother-in-law l sister or sister-in-law.

The person who died is your partner if you:

lived with them and they were your husband, wife or civil partner or lived with them as if you were a married couple
lived with them as if you were a married couple immediately before you or they went to live in a care home
were a married couple or civil partners and living in the same care home
were living together as if you were a married couple in the same care home before your partner died.

How do I claim?

You have six months from the date of the funeral to make a claim.

For more information on eligibility and how to apply claim this benefit, go to GOV.UK(Opens