Funerals can be expensive, and during a time of grief, finding the financial means to cover these costs can feel overwhelming. Fortunately, there are several resources available in Saskatchewan that can help alleviate some of the financial burden. This guide outlines the federal, provincial, and local support options that may assist with funeral expenses.
Federal Resources
Canada Pension Plan (CPP) Death Benefit
The Canada Pension Plan (CPP) offers a one-time death benefit of up to $2,500 for the estate of a deceased individual who contributed to the plan. This money can help cover funeral expenses.
- Eligibility: The deceased must have contributed to CPP during their working life.
- How to apply: The application can be submitted through Service Canada by the estate executor or next of kin.
Veterans Affairs Canada Funeral and Burial Program
Veterans Affairs Canada provides funeral and burial assistance to veterans whose deaths were service-related or to families that cannot afford funeral costs. The program can help cover essential funeral expenses.
- How to apply: Contact Veterans Affairs Canada for eligibility information and the application process.
Indigenous Services Canada – Non-Insured Health Benefits (NIHB)
First Nations and Inuit individuals may qualify for funeral assistance through Indigenous Services Canada’s Non-Insured Health Benefits (NIHB) program. This program covers certain funeral and burial costs, including transportation of the deceased.
- Eligibility: Available to First Nations and Inuit individuals.
- How to apply: Visit the Indigenous Services Canada website or contact your local community health services.
Provincial Resources
Saskatchewan Assistance Program (SAP) Funeral Benefits
In Saskatchewan, the Ministry of Social Services provides financial assistance for funeral costs through the Saskatchewan Assistance Program (SAP). These benefits are available for low-income individuals who are unable to afford funeral expenses.
- Eligibility: Families who qualify for SAP or are unable to cover funeral expenses may be eligible.
- What’s covered: Basic funeral services, including burial or cremation and transportation of the deceased.
- How to apply: Contact the Ministry of Social Services for more information and guidance on the application process.
Saskatchewan Employment Standards – Death Benefits
In some cases, employment contracts or union agreements in Saskatchewan may provide for death benefits, which can help cover funeral costs. It is advisable to check with the deceased’s employer or union representative.
- How to inquire: Contact the employer or the Saskatchewan Employment Standards Office.
Local and Community Resources
Local Charitable Organizations
Several charitable organizations in Saskatchewan provide financial assistance to families who are unable to afford funeral costs. Some organizations include:
- The Salvation Army: Often helps low-income families cover funeral expenses.
- Local Churches, Mosques, and Temples: These institutions may assist with funeral costs or offer reduced-cost services.
Crowdfunding and Community Support
Many families turn to crowdfunding platforms, such as GoFundMe, to raise funds for funeral expenses. This allows family, friends, and the wider community to contribute.
Funeral Homes with Payment Plans
Many funeral homes in Saskatchewan offer payment plans to help families manage the financial burden of a funeral. Contact funeral homes in your area to discuss flexible payment options.
Additional Sources of Information
If you are navigating funeral costs in Saskatchewan, these organizations and resources can offer guidance and support:
- Funeral and Cremation Services Council of Saskatchewan: This organization regulates funeral service providers in the province and offers advice on funeral planning. Visit the Funeral and Cremation Services Council for more details.
- Saskatchewan Assistance Program (SAP): Contact the Ministry of Social Services for information on provincial funeral benefits.
- Service Canada: For federal benefits, such as the CPP Death Benefit, visit Service Canada.
Table of Charitable Resources in Saskatchewan
| Charity Name | Amount Available | Who Qualifies | Contact Information |
|---|---|---|---|
| The Salvation Army – Saskatchewan Division | Varies based on need | Low-income individuals and families unable to afford funeral costs | Salvation Army Saskatchewan Phone: 1-800-725-2769 |
| St. Vincent de Paul Society – Saskatchewan | Varies based on need | Individuals or families in financial distress, including those facing funeral costs | St. Vincent de Paul Saskatchewan Phone: 306-652-7951 |
| Regina Open Door Society | Varies based on need | Refugees and low-income families in Regina needing funeral support | Regina Open Door Society Phone: 306-352-3500 |
| Saskatoon Friendship Inn | Varies based on need | Low-income individuals and families in Saskatoon needing assistance | Friendship Inn Saskatoon Phone: 306-242-5122 |
| Muslim Food Bank and Community Services Society | Varies based on need | Muslim families and individuals in financial distress | Muslim Food Bank Phone: 1-866-824-2525 |
| Catholic Family Services of Saskatoon | Varies based on need | Low-income families in Saskatoon needing funeral assistance | Catholic Family Services Phone: 306-244-7773 |
Contact the Resources Directly for Additional Information and Assistance
When planning a funeral in Saskatchewan, it’s crucial to reach out directly to the organizations and programs mentioned in this post. Each program may have specific eligibility criteria and application processes, so contacting them ensures you receive accurate and up-to-date information.
- Service Canada: For federal programs like the CPP Death Benefit, contact Service Canada directly for information and guidance on the application process.
- Saskatchewan Assistance Program (SAP): For provincial funeral benefits, reach out to the Ministry of Social Services to confirm eligibility and apply for assistance.
- Local Charitable and Religious Organizations: Many local charities, churches, mosques, and temples offer funeral assistance or reduced-cost services. Contact them directly for more information on how they can help.
Summary of Funeral Support Resources in Saskatchewan
| Resource | Amount of Money Available | Link to More Information |
|---|---|---|
| Canada Pension Plan (CPP) Death Benefit | Up to $2,500 | CPP Death Benefit |
| Veterans Affairs Canada Funeral and Burial Program | Varies based on need and service | Veterans Affairs Canada |
| Indigenous Services Canada – Non-Insured Health Benefits (NIHB) | Varies, covers transportation and burial | Indigenous Services Canada |
| Saskatchewan Assistance Program (SAP) Funeral Benefits | Covers basic funeral costs | Saskatchewan Assistance Program |
| Local Religious and Charitable Organizations | Varies based on organization | Contact local organizations directly |
| Crowdfunding (e.g., GoFundMe) | Varies based on contributions | GoFundMe |
| Funeral Homes with Payment Plans | Flexible payment options | Contact local funeral homes for details |
