Costs and Grants
The funeral account is made up of two charges, the funeral directors costs (these costs vary greatly and depend on individual choices made by each family), and disbursements (fees paid out to third parties).
The funeral directors costs include:
- Coffin selected
- Removal of the deceased from the place of death to our Preparation Room
- Removal of the deceased to the family residence or Funeral Home
- Transportation requirements for the public Removal to Church and the Funeral
- Funeral Directors professional fees for the co-ordination and arrangement of all aspects of the Funeral
- Grave Purchase
- Grave opening
- Cremation Fees
- Newspaper Announcements, or a sample two-line list element or a sample two-line list element
- Organist's fee
- Soloist's fee
- Church offering
We ask that disbursements are paid to us at the time of arranging the funeral and the balance within 45 days of the funeral taking place. There are always exceptions and if you are not in a position to meet these terms please let us know as soon as possible so other arrangements can be made.
Should a funeral account go to probate/ solicitor any available funds in Banking Financial Institutions can by law be paid to the funeral Undertaker on presentation of the invoice to that institution.
The Bereavement Grant
From the 1st of January 2014 The Bereavement Grant has been abolished by the current government. This grant has been of great help to family’s and the decision to abolish it is sure to make an already difficult situation that much harder.
The Widowed or Surviving Civil Partner Grant
The Widowed or Surviving Civil Partner Grant is a once-off payment to widows, widowers or surviving civil partners with dependent children. The grant application form can be downloaded form our download section HERE.
Supplementary Welfare Allowance (SWA) scheme
The person responsible for the funeral account may be eligible for assistance through the Supplementary Welfare Allowance (SWA) scheme. The person applying for this grant must be in receipt of a social welfare payment.This is means tested and you can apply to your local Community Welfare Officer at your local Health Centre.
Payment for six weeks after death
Some social welfare payments can continue after someone dies. When someone who was getting such a social welfare payment dies their spouse, civil partner or cohabitant may get six weeks of the payment after the death, provided the Department of Social Protection has been notified. The six-week payment is normally paid in a lump sum by cheque.
Death of a spouse, civil partner or co-habitant
If your spouse, civil partner or cohabitant dies while getting any of the social welfare payments listed overleaf and the amount included a payment in respect of you, then the same rate of payment is continued for six weeks after the death. This is also the case if you were getting a payment that included a payment for your late spouse, civil partner or cohabitant.
If you are getting any of the payments listed below and your deceased spouse, civil partner or cohabitant was also getting one of these payments, his/her payment continues for six weeks after the death in addition to your payment. You may then continue to receive your own payment or you may qualify for a widow, widowers or surviving civil partner’s payment.
- State Pension (Contributory, Non-Contributory or Transition)
- Pre-Retirement Allowance
- Jobseeker's Benefit or Allowance
- Supplementary Allowance
- Illness Benefit
- Disability Allowance
- Blind Pension
- Incapacity Supplement
- Farm Assist
- Occupational Injury Benefit
- One-Parent Family Payment
- Carer's Allowance
- Carer's Benefit
Carer's Allowance and Carer's Benefit
Payment of Carer’s Benefit or Carer’s Allowance (full or half-rate) continues to be made for six weeks after the death of the person you were caring for. If your spouse, civil partner or cohabitant dies while getting a carer’s payment for caring for you, and you are getting one of the payments listed above, you will continue to get your payment plus the Carer’s Benefit or Carer’s Allowance (full or half-rate) for six weeks after the date of death. If you are getting a carer’s payment for caring for a spouse, civil partner or cohabitant who was getting one of the payments listed above when he or she died, you can continue to get the listed payment as well as your carer’s payment for six weeks after the date of death. If you are getting a carer’s payment for caring for someone who is not a spouse, civil partner or cohabitant and that person dies, you will continue to get the Carer’s Benefit or Carer’s Allowance (full or half-rate) payment for a period of six weeks after the date of death.
Death of a child dependant
If you are getting an Increase for a Qualified Child on your social welfare payment, the payment of the Increase continues for six weeks after the death of the child.
One-Parent Family Payment
If you are receiving the One-Parent Family Payment and your only child dies, then the payment, together with the Increase for a Qualified Child, is payable for six weeks after the death.
Ways to save
It costs money to spend in a hurry. For that reason, thinking about your disposition, planning and communicating make for money-saving.
Don't leave your survivors scrambling to make funeral plans during a time of shock, loss and grief, take the time to plan in advance and think carefully about the type of funeral you would like. You can do this by talking to your family members about instructions on your funeral or you can make formal arrangements with your Funeral Director, where you could possibly save even more money (see pre-pay). Remember leaving your funeral wishes in a will may not be feasible as your will is often read out after the funeral has been carried out.
Shop around, ask a few funeral homes to provide a quote on the type of funeral you would like. Ask questions and be particular about the type of service and the type of coffin, floral tribute, the venue and the service you would like. Ask the funeral director for a written quote
3. Only buy what you need.
If you are shopping for a funeral at the time of death take a friend with you, someone who will help you be sure you buy only what you want. Don’t buy more than you intended out of guilt. People often think that how much they spend is a demonstration of how much they love someone. Don’t buy more because of fears of being “different” or “cheap” or worries about “What people will think?” Enjoy making your own traditions. A unique and personalized memorial observance is what others will remember. Don’t feel obligated to put on a big “show” when the deceased has been prominent during his or her lifetime.
4. Discount for prompt payment
Many Funeral Directors will offer a discount if the funeral account is settled in full within a limited amount of days. If this service is not offered, please ask.
5. Direct burial or cremation
This is where your loved one is taken directly from the place of repose, be it a funeral home or the deceased's own home, to the place of burial or cremation. This can still include a graveside service, a memorial, or any other rituals you feel are important to the survivors. Remember, you decide what’s considered traditional for your family, not a stranger.
Some Funeral Directors will offer a pre-pay service. This means that if you live for another 15 to 20 years, you have payed for your funeral at today's prices. Funeral costs are broken into two areas: Your Funeral Directors costs and Disbursements. Disbursements are fees that the Funeral Director pays on your behalf eg. Church fees, musicians, flowers etc. And cannot be guaranteed for the future. Your Funeral Directors costs will be frozen at todays prices, so please ask what these include.
7. Be creative
Buy plain bound notebooks and decorate them into remembrance books. Create a free Web site dedicated to your loved one. Write a commemorative poem or story. Compose a piece of music. Solicit favorite phrases about your loved one from friends and combine them into a remembrance collage. All this will inevitably save money on expensive newspaper memorials and notices.