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  2. Mar 11, 2021 · There are many low-cost options to help pay for a funeral if you can’t afford it. 1. The deceaseds estate. If there were no prior arrangements made to pay for final expenses before the individual’s death, you might be able to use a portion (or all) of their estate to pay for the funeral.

  3. When a person or a family in Canada cannot afford funeral expenses, community and non-profit support can be crucial in helping them. These entities, from local charities to religious organizations, assist and alleviate the financial burden during a loss.

    • Employment and Social Development Canada – Claiming Death Benefit Payment
    • How to Claim WSIB Survivors’ Benefits
    • Financial Assistance For Veterans – Last Post Fund
    • National Defence and Canadian Armed Forces – Assistance For Caf Members
    • How to Claim Financial Assistance from Social Services (Toronto)
    • Alternative Sources of Financial Assistance For Funerals

    The Canada Pension Plan (CPP) provides contributors and their families with partial replacement of earnings for retirement, disability, or death. Almost everyone who works in Canada (outside of Quebec) contributes to the CPP. If you die and are a CPP contributor, the Death benefit provides a one-time payment to (or on behalf of) your estate. To qua...

    The Workplace Safety and Insurance Board (WSIB) provides wage-loss benefits, medical coverage, and support to help people return to work after a work-related injury or illness. If you are a spouse or dependent of someone who died as a result of a workplace injury or illness (and they were covered by WSIB), you can claim survivors’ benefits. WSIB pr...

    The Veterans Affairs Canada Funeral and Burial Program ensures eligible Veterans receive dignified funeral and burial services. To qualify for the Program, Veterans must meet both military service and financial criteria. To meet the military service criteria, the Veteran must have been: 1. a former member of the Canadian Forces or any predecessor N...

    Financial assistance is also available to reduce the cost of a dignified funeral and burial for members of the Regular and Reserve forces. Refer to The Guide to Benefits, Programs, and Services for CAF Members and their Families to see if you/ your loved one qualifies. You can also find out more here.

    If the deceased was a resident of Toronto and receiving assistance from Ontario Works or Ontario Disability Support Program (ODSP), or if they did not have enough money in their estate to cover funeral expenses, Toronto Employment and Social Services will help with funeral expenses. This could include paying for the body transfer for cremation, bur...

    In addition to the above Funeral Assistance Programs, there are various other ways of getting some support if you cannot afford a funeral for your loved one. For instance, you could reach out to your local community, church group, or an even larger audience with something like a GoFundMe page. In Canada, no one is ever denied the dignity of a funer...

  4. If a family can’t pay for a funeral or afford the disposition costs, their family member will likely be buried in an indigent cemetery -- a cemetery for those who can’t afford to be buried elsewhere.

    • See if You Qualify for a Military Funeral. A military funeral is very important to some people and it may be the most important part of funeral planning.
    • Check Your Eligibility for a Native American Burial. Many organizations provide burial assistance through the Bureau of Indian Affairs. For instance, the Chickasaw Nation pays up to $2,500 toward funeral expenses.
    • Fallen Police Officers or Firefighters Programs. Losing a loved one in the line of duty is tragic because his or her service helped make society a safer place.
    • Look Up Local Charities. Soliciting the help of local charities may be necessary if you don’t have the money to pay for a funeral. Research charities in your area that may be willing to help.
  5. A funeral insurance policy is a proactive funding option that will see the death benefit paid out after the death has occurred. This is usually in excess of the cost of the funeral itself because the premium is paid over time and not always allocated to specific prearrangements.

  6. In Canada, the average funeral cost can be between $10,000 and $20,000 which can be a huge expense to families, that some may not be able to afford. So, what happens if you can’t afford a funeral or need help with funeral costs? Luckily, there are options.

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