Your income and financial circumstances may change after the death of your husband, wife, partner or child.
You may be able to get financial support to help you deal with the loss of someone close to you.
You'll have to make new claims for some benefits that your husband, wife or civil partner was claiming for your family.
You may be able to get financial help after your bereavement:
- Funeral Support Payment – help towards the cost of a funeral if you're on low income and live in Scotland
- Bereavement Support Payment – if you're under State Pension age and have a husband, wife or civil partner who has died in the last 21 months. If you're eligible you for this, you can also apply for Funeral Support Payment
- Guardian's Allowance – if you're bringing up a child whose parents have died. You may be able to claim if you're bringing up a child who has one surviving parent
If you apply for one type, you'll be considered for all available bereavement benefits at the same time.
There are some time limits for when you can apply for benefits, so it's important you start checking what support you could be entitled to as soon as possible.
You'll need to make a new claim for Child Benefit if you weren't the person named as the claimant on the original claim form.
You should tell the Tax Credit Office about the death within one month if you haven't already heard from them. Phone the Tax Credit Helpline to report the death.
If you have a late miscarriage
If you lose a baby before 24 completed weeks of pregnancy, you're not entitled to maternity benefits.
The Money Advice Service website has information on what support you can get if you have a late miscarriage.
If your baby has died shortly after birth
If your baby was stillborn after 24 completed weeks of pregnancy, or dies within 4 weeks of birth, you may be able to get financial support.
If you're an employee, you may be eligible for Statutory Maternity Pay for a maximum of 39 weeks while you're off work.
You must make your claim within 28 days of your baby's death.
You can also apply for Funeral Support Payment. You must claim within 6 months of date of the funeral.
The Money Advice Service website has information on what support you can get if your baby has died shortly after birth.
Tax and pensions
If you get extra money from pensions, annuities, benefits or an inheritance, you may need to pay more tax. You may be on a lower income and need to pay less tax.
You might also be able to get extra pension payments from your husband, wife or civil partner's pension or National Insurance contributions.
Visit GOV.UK for information on your tax and pension after the death of a spouse.
Help with money and debt
You can get money advice and information from:
- your local Citizen's Advice Bureau
- the Money Advice Service
- Shelter Scotland if you're worried about your home
Money Talk Team
The Money Talk Team is a service that offers money advice to older people and families.
It helps explain how to make the most of your income and make sure you're not paying more than you need to for services like gas, electricity and internet.
It can help you find out:
- what benefits you can get
- how to save money on your bills
- what other money you may be entitled to
You can chat to the Money Talk Team by calling 0800 085 7145, or by setting up a meeting at your local Citizens Advice Bureau.
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