Are you looking for help with funeral costs? Do you want to know which charities and organizations can help with final expenses? A funeral is a way to honor the last journey of your loved ones. While grieving an emotional loss, it is impossible to plan the funeral. You might not understand expenses and processes related to it. However, many federal programs, state policies, nonprofit organizations, and charities can come to your rescue. They can help you to manage your financial emergency.
Many charities also help with funeral costs. Instead of losing your hope, you will have to look for available funeral assistance. It is not necessary to wait to research the organizations that can support you and manage the funeral costs of your loved ones.
What Is the Cost of Funerals?
People do not think about the cost of funerals until they experience a loss. Lack of preparedness causes both emotional and material stress for families. The National Funeral Directors Association stated the average cost of the funeral is between $5,100 and $9,100. However, this is the funeral cost only, and it will not include help with hospital bills, flowers, obituary pamphlets, and refreshments. You might find the funeral a bit affordable if you hold services in your church rather than a funeral home.
15 Ways to Get Help with Funeral Costs
You can find many suitable solutions with a bit of research. Here are the possible ways to get the much-needed financial assistance when you need it the most. We will cover the organizations and charities that help with funeral costs. Additionally, we will discuss other related factors so that you can grieve without bothering about funeral costs.
1. Charities That Help with Funeral Costs
If you find funeral costs hard to manage, reach out to some nonprofit organizations that help to deal with such financial burdens. You can contact many support systems ranging from churches to charities.
2. Final Farewell
This nonprofit organization can support a funeral when you cannot afford it. It can be the best help for all those who look for funerals for children. The organization offers guidance and emergency financial support to grieving families and makes it possible to mourn and say goodbye without bothering about funeral costs.
3. Children Burial Assistance
It is another nonprofit organization established by a Georgia couple. The couple took this initiative once they realized how difficult it is for parents to arrange funeral costs while grieving such a loss. It comes to the rescue of those parents and assists with vaults, burial plots, grave fees, and cremation costs.
4. Funeral Homes
Funeral homes can help with funeral costs. You will find many funeral homes all over the country that help people with discounted services. Your community has many benefits, including discounted, free funerals, or flexible payments. Inquire about the benefits before considering your community funeral homes.
Religious organizations are another source where you can get funeral assistance during your difficult time. If you are a church member, you can contact the fundraising service to help with funeral costs. They might arrange money for the funeral of your loved one.
6. State Help with Funerals
Your federal and state governments provide financial help to families to deal with funeral costs. Here are some charities and programs you can check and find relief after losing a family member.
7. Monthly Survivor Benefits
You can visit the information sheet of the Social Security Administration to know the benefits you can get after the death of a family member. The benefits will vary based on the relationship with the deceased and his earnings. However, you might get monthly payments if you meet the eligibility requirements. You can get survivor benefits if you are a widow or widower and sixty or above. But if you have some disability, you can get this benefit at the age of fifty. Any unmarried children below 18 will get this benefit. Moreover, a divorced spouse with ten years of marriage can get this benefit.
8. Burial Allowance for Veterans
The VA offers funeral help to veterans and their family members. It provides funeral assistance to the minor children and spouses of veterans. The surviving family members will receive a tax-free burial allowance that will vary between $300 and $2,000. Moreover, they will have the right to bury their loved ones at a state or national military cemetery.
9. Social Security One-Time Payment
If the deceased has social security benefits, the family members can receive a one-time payment. Social Security will pay a death settlement of $255 to the direct family, including the children or spouse of the dead. The amount might not cover all the funeral costs. However, you can use it for an obituary that might cost you somewhere between $200 and $500.
10. FEMA Benefits
FEMA will help with funeral costs when someone passes away during a disaster. If the President declares an area as a disaster zone, then the direct family members of the deceased will get help with funeral costs. The Federal Emergency Management Agency will cover some funeral costs of those who died due to the indirect and indirect impact of the disaster.
The direct impact includes death by drowning in a flood or similar conditions. The indirect result relates to the demise of a pre-existing condition that aggravates during an emergency or disaster. For example, a man dies due to a heart attack during a disaster. However, you will have to provide the desired documents to receive assistance for funerals. The burial assistance might include mortuary services, costs of urn or casket, a cremation niche or burial certificates, up to five certificates, and a private burial site or headstone in some public cemetery.
11. Memorial Societies
You will find memorial societies in 12 states, and you can consider contacting them to get information on local funeral homes. Some of them might offer you discounted funeral services. You can pay a one-time fee and become a member of these societies. The cost will vary based on the state, but you can expect many benefits.
For example, you can join the Cleveland Memorial Society for $25 for a lifetime and get a burial of $895. The burial will be simple and cheaper compared to a traditional funeral service. You can visit Funeral Consumers to know more about these societies and find a suitable one. It works as a parent organization for all the local services, and you find funeral help.
12. United Tissue Network
It is a charity organization that will facilitate the body donation and covers all the costs associated with the transportation. You will get copies of the cremation and death certificate, and they will return the cremated remains within four to six weeks.
13. Create a GoFundMe Page
You would be surprised how much money you can raise with a GFM page. People are compassionate and willing to give. Make sure your story is compelling, and don’t forget tasteful pictures.
14. Consumer Advocate Organizations
You can get a free membership to the Funeral policy once you buy a Consumer Advocate policy. It is a charity organization that helps family members to save money on funerals. Moreover, their representatives will help you to arrange funerals. You can save around $1,800 on traditional funerals or $600 on cremation.
15. Covid- 19 Funeral Assistance
FEMA started offering financial support for Covid 19 funerals on 20 January 2020. It assists with the burden of funeral costs during this ongoing pandemic. You might get funeral assistance for up to $9,000. However, you will have to meet the following eligibility criteria.
- You are a qualified non-citizen, non-citizen national, or U.S. citizen.
- The death is due to Covid-19.
- When death occurred in the US, including in the district of Columbia and US territories.
- If the deceased passed on or after 20 January 2020.
- The applicant is accountable for funeral expenses.
If you qualify, you can get funeral assistance for cremation, funeral services, interment, casket, clergy, burial costs, death certificate, local government ordinance costs, transportation, and other expenses.
Documents you Need to Get Help with Funeral Costs
You must provide a few documents to receive help with funeral costs. Here are a few documents you will have to keep ready while looking for support for funerals.
- Death certificate
- A document that proves the benefits
- Documentation from an authority that shows the cause of death during a disaster
- Proof for funeral costs, including receipts from the service provider
- A document that proves the funeral cost has not been paid for by any other resource
Death is unpredictable, and it can cause both material and emotional loss. However, you cannot grieve and make the last journey memorable when you struggle to manage funeral costs. We all deserve an unforgettable and respectful farewell, and we can achieve this with careful planning regardless of financial difficulties.
Know the available support systems and the unique requirements of each. You will find funeral help from different sources, including local religious institutions, governments, and charity organizations. Find the right one based on your condition and make the funeral reverential.
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