Gallagher Funeral Services

A Family Owned Business

Chapels in Leeds and Harrogate

Help With Funeral Service Costs

There are many ways in which you can receive help with funeral costs, which is why we provide all our clients with details of who can help.


We also find our low prices are a great help to those on low incomes, receiving benefits or anyone who might otherwise face taking on long term debt to fund the funeral of a loved one.


Below you will find different options for funding the funeral for your loved one, and remember, you can always contact us for advice and support at our funeral home in Headingley.

Budget Loan

This is an interest-free loan from the Department of Work & Pensions that covers important expenses and from May 2012 these now include funeral costs.


Even if you are eligible for a Social Fund payment a Budgeting loan will ensure the funeral can take place sooner. This loan must be repaid, for example with any Social Fund award.


To find out more and to see if you might be eligible click here

Credit Unions

If you have saved with a credit union for more than 2 years you may be able to get a low interest loan.


If the person who has died saved with a CU then you may find that modest life insurance cover was part of their service. This sum will really help towards the costs of the funeral.

Friends and Family

When a loved one dies you'll find that many people ask you how they can help. It's too easy to brush these offers aside but remember, they really do want to support you. Why not suggest they make a contribution towards the funeral costs instead of buying a wreath or bouquet?


We are very happy to take multiple payments against a funeral account so a little note telling people how to give their donation either to you or to the funeral director makes it easy for everyone.


We will keep you up to date with the total collected and you can even nominate a charity to receive any money that's left over.

Social Fund Claim

This is a payment from the Department of Work & Pensions that covers crematorium fees, doctors' fees and £700 towards all the other costs such as funeral director and minister. You will be expected to cover the shortfall between this sum and the actual costs of the services you have requested from a funeral director.


Where a claim is to be made we will issue an invoice immediately to enable your claim to proceed .


To be eligible to make a claim you must be able to answer "Yes" to these questions:


Was the deceased usually resident in the UK at the time of their death?


Are you are your partner getting any of the following benefits?

• Income Support

• Income-based Jobseeker's Allowance

• Employment and Support Allowance (income-related)

• Pension Credit

• Housing Benefit

• Council Tax Benefit

• Working Tax Credit where a disability or severe disability element is included in the award

• Child Tax Credit at a rate higher than the family element


For full details about eligibility and how to claim please visit the Department of Work and Pensions website by clicking here

Social Fund

Widows /Widowers Bereavement Payment

These bereavement payments and widowed parent’s allowance are all based on your spouse or civil partner’s national insurance (NI) contributions.


By your spouse or civil partner we mean the person you were legally married to, or were in a civil partnership with, at the time of their death.


You can download the bereavement claim form in PDF format. The form comes with notes that will help you fill it in. Once you have completed the form please send or take it to your local Jobcentre Plus office.



Social Fund Claim Form

Budgeting Loan Application Form

Bereavements Benefits Claim Form