Help with Funeral Costs in Canada
Canada does not have a universal federal funeral grant, but there are several sources of financial help depending on your circumstances — including veterans benefits, workers’ compensation, and provincial assistance programs. If you'd rather have a plan built around your situation, answer a few questions and we'll put one together →
Veterans Affairs Canada
If the deceased was a wartime veteran, a Canadian Armed Forces member, or an RCMP member, Veterans Affairs Canada may pay funeral and burial costs up to a maximum benefit amount. Call 1-866-522-2122 or visit veterans.gc.ca. Apply as soon as possible after the death.
Workers’ Compensation
If the death was caused by a workplace accident or occupational disease, the provincial Workers’ Compensation Board may pay funeral expenses and provide ongoing survivor benefits. Contact the relevant provincial board promptly — WSIB in Ontario, WorkSafeBC in British Columbia, WCB in Alberta. Claims have time limits.
Provincial social assistance programs
Most provinces provide financial assistance with funeral costs for families with low income:
- Ontario: municipalities may cover basic funeral costs for people receiving Ontario Works or ODSP
- British Columbia: the Ministry of Social Development and Poverty Reduction can assist eligible low-income families
- Alberta: Alberta Supports may provide a funeral benefit to eligible individuals
- Québec: the Ministère du Travail, de l’Emploi et de la Solidarité sociale may assist in certain circumstances
Contact your provincial social services ministry or ask a funeral director — many are familiar with these programs and can help you apply.
No federal funeral grant
Canada does not have a universal federal funeral grant. The CPP Death Benefit (base $2,500, up to $5,000 for some estates — see the survivor benefits guide for details) is a general bereavement benefit paid to the estate, not specifically a funeral payment — but it can be used toward funeral costs.
Life insurance and group benefits
Check whether the deceased held a personal life insurance policy, or had group life insurance through their employer — a common workplace benefit that can pay out quickly. Contact the employer’s HR department and each insurer with the death certificate as soon as possible.
Funeral homes in most provinces are required to provide an itemised price list on request. A basic service — direct cremation or a simple funeral — is significantly less expensive than a full traditional service. Ask for the price list before committing to arrangements.
Pre-paid funeral plans
If the deceased made a pre-paid funeral arrangement, the funeral home will have the instructions and prepaid funds on file. Check personal papers and ask family members if this was ever discussed.
This guide provides general information only — not legal, financial, or benefits advice. Eligibility rules and payment amounts change regularly. Verify current details with official government sources before making decisions. Information current as of June 2026.