Losing a loved one is one of the hardest things you are likely to experience and you’ll need to take time to process your grief. After you have dealt with the immediate aftermath of losing someone, you may wish to look into the support the government can provide.
There is some financial support that the government can offer you when you experience a bereavement - money which could help to pay for a funeral or support your family.
You may be able to claim this allowance if you lose your spouse or civil partner between the age of 45 and the state pension age. You are able to claim this for up to 52 weeks from the date of the bereavement and the sum you are entitled to depends on the national insurance contributions made by your partner or spouse. The rate ranges from £33.77 a week to £112.55, depending on your age.
If your partner or spouse passes, you may be entitled to a £2,000 Bereavement Payment, which is a tax-free lump sum. You will be eligible for this if you are under the state pension age or older than this and your partner or spouse wasn’t entitled to claim a state pension due to their National Insurance contributions. In addition, the deceased must have paid the correct amount of National Insurance and must have died due to disease or an industrial accident.
In the tragic event that you lose a child, the government will provide you with a payment for eight weeks after the bereavement. Government guidelines indicate that you have to inform them if a child passes if you are claiming a benefit for them as soon as possible.
To claim, you need to visit the government’s website and fill out a form, including the date of death, your National Insurance information and the child’s birth and/or adoption certificate.
If you are on a low income, you may be entitled to help towards paying for a funeral following a bereavement.
In an instance where there is a prepaid funeral plan in place, the government will only provide financial assistance to cover things not included in the policy. The money can only be claimed if you are responsible for organising the funeral, claim within three months of the service, are receiving certain benefits and meet the rules regarding your relationship with the deceased.
In the event that you have been made the guardian of a child whose parents (one or both) have died then you may be entitled to the Guardian’s Allowance of £16.55 per week. This is a tax-free payment that is added to your existing child benefit payments.
If you are under the state pension age and have one dependent child, you may be eligible for the Widowed Parent’s Allowance. You could also claim if you’re pregnant and your partner or spouse has passed away.
The amount you’re entitled to depends on how much the deceased paid in National Insurance contributions, with the maximum payment being £112.55 per week. If the death was due to an industrial accident, then you may be able to claim this allowance even if the deceased didn’t make any National Insurance contributions.
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We will now match you with suitable funeral plan providers who will call to discuss your requirements. The providers we work with aim to get in touch within 48 hours.
If you are considering a funeral plan, you might also be interested in Will writing.
We will now match you with suitable Will Writers who will be in touch to discuss your requirements. The Will Writers we work with aim to get in touch within 48 hours.
In the meantime, why not head over to our Wills section? It can provide you details regarding types of Wills and what to include in a Will.