Who Pays for a Funeral? Understanding Costs and Assistance

Funerals can be expensive, and one of the first questions families ask is who is responsible for paying.

Who Pays?

- The deceased’s estate: Funeral costs are usually paid from any money or assets left behind.

- Family members: If the estate cannot cover costs, the responsibility may fall to the family.

- Pre-paid plans: If the deceased arranged a plan in advance, costs may already be covered.

Assistance in New Zealand

Work and Income NZ offers a Funeral Grant to help families with costs, especially if the deceased had limited assets. Funeral directors can also offer payment plans if needed.

Cost-Saving Options

- Choose a simple coffin or urn.

- Opt for cremation instead of burial.

- Hold a smaller service at home or in a community space.

Being open about costs with the funeral director from the start helps avoid financial stress at a difficult time.