Charities That Help With Funeral Costs
Funeral expenses have become increasingly difficult to manage as overall costs continue to rise. For many middle- and low-income families, paying several thousand dollars on short notice can feel impossible. In fact, the average funeral can cost anywhere between $3,000 and $7,000, creating an immediate financial burden when a loved one passes away.
Why Funeral Assistance Is Needed
In many cases, families are required to make payments within just hours of a death. Without savings or access to quick funds, this can cause additional stress during an already emotional time. Fortunately, there are several charities, nonprofit organizations, and government programs that offer financial help with funeral costs.
State, Federal, and Social Security Support
One option is to check whether your state or federal burial assistance programs provide aid. The amount of support often depends on your location and household income.
Families may also qualify for Social Security benefits:
-
A one-time payment of $255 may be given to the spouse or children of the deceased.
-
Survivor benefits can also be claimed by certain family members, including:
-
A surviving spouse (age 60 or older)
-
Dependent parents (62 or older)
-
A divorced spouse (if the marriage lasted 10+ years)
-
Unmarried children under 18
-
While these amounts may not cover all expenses, they can reduce the immediate financial strain.
Nonprofits That Help With Funeral Expenses
Several nonprofit organizations are dedicated to assisting families with funeral and burial costs:
-
Children’s Burial Assistance – helps families who have lost a child.
-
Final Farewell – provides complete funeral support to families who cannot afford expenses.
-
The TEARS Foundation – assists parents after the loss of a baby or child.
-
Funeral Consumers Alliance – connects families with low-cost options and partner charities.
-
Friends of the Elderly – offers aid for older individuals who lack financial resources.
-
FEMA Funeral Assistance – supports families when death occurs due to a natural disaster or related health condition.
Local churches, community groups, or funeral homes may also step in, sometimes covering upfront costs with flexible repayment plans.
State Programs for Special Needs
Some states have their own funeral assistance initiatives. For example, the Colorado Department of Human Services (CDHS) offers up to $2,500 to help cover final expenses for low-income, disabled, or needy residents.
Other Options for Funeral Assistance
If charitable or government aid isn’t enough, families may also consider:
-
Funeral loans, which are often processed within hours and repaid in monthly installments.
-
Community fundraisers through platforms like GoFundMe, which can quickly gather support from friends, family, and local networks.
Final Thoughts
While funeral costs can feel overwhelming, there are many charities, nonprofits, and financial assistance programs designed to help. By exploring these resources, families can reduce the burden of funeral expenses and focus on what truly matters—honoring and remembering their loved ones.