Social funeral: funeral costs covered by the social welfare office

A dignified burial despite financial hardship: Find out when the social welfare office will pay the funeral costs and how to apply for a social funeral.

The most important things at a glance

  • A social funeral is financed by the social welfare office.
  • Relatives must prove that they cannot bear the costs.
  • The burial is simple but dignified.
  • A row grave or anonymous grave is usually used.
  • An application must be submitted to the social welfare office at an early stage.
  • The social welfare office only covers necessary funeral costs.
  • Individual additional services must be financed privately.
  • An objection is possible if the application is rejected.

What is a social funeral?

A social funeral is a funeral financed by the social welfare office for deceased people whose relatives cannot bear the costs. It ensures that everyone receives a dignified burial — regardless of their financial situation.

Features of social funeral:

  • Financed by the Social Welfare Office in accordance with Section 74 SGB XII
  • Application required if relatives are financially inadequate
  • Simple but dignified funeral design
  • Choosing a simple casket or an urn
  • Burial usually in a row grave or anonymous grave field

Why does social welfare exist?

  • Protection against unreasonable financial burdens on relatives
  • Ensuring a dignified farewell
  • Support for survivors in difficult financial situations

Who can apply for social security?

The reimbursement of social welfare costs by the social welfare office is subject to certain conditions. Not every relative can automatically apply for social security.

Requirements for reimbursement:

  • The person subject to a funeral is financially overwhelmed:
    • There is not enough income or wealth to cover funeral expenses.
    • There must be no reasonable means of financing (e.g. through inheritance or other dependents).
  • No other payers available:
    • No existing funeral provision or death benefit insurance for the deceased.
    • No financial support from third parties (e.g. foundations or aid funds).

Who is subject to a funeral?

The funeral obligation is regulated by law and differs from state to state. As a rule, the following persons are required:

  1. Spouses or registered partners
  2. kids
  3. parents
  4. siblings
  5. grandparents or grandchildren

Important: The funeral obligation does not automatically mean an obligation to pay. Dependents can apply for social security if they are financially unable to bear the costs.

How do I apply for social security and which documents are required?

The application for a social funeral is submitted to the competent social welfare office in the deceased's last place of residence. For the application to be successful, certain evidence must be provided. Memovida supports you every step of the way to ensure smooth editing.

Check eligibility

  • Are you subject to a funeral?
  • Are you financially unable to bear the costs?

Gathering the required documents

From the deceased:

  • death certificate
  • Registration certificate of last place of residence
  • Evidence of existing financial resources (e.g. account balance, insurance)

From the claimant (funeral agent):

  • ID card or passport
  • income statements (payslips, pension statement, social assistance notice)
  • Evidence of financial circumstances (e.g. account statements, rental agreement)

Submit an application in writing to the competent social welfare office

  • This should be done as early as possible to avoid delays.

Wait for processing time

  • The test may take a few weeks.
  • If necessary, you can submit additional evidence.

Received a decision from the social welfare office

  • If approved, the social welfare office will cover the reasonable costs.
  • In case of rejection, there is the possibility of an objection.

If you are missing documents, we will help you obtain and submit them. Memovida is at your side with experience and empathy — from application to funeral.

In 3 steps to your non-binding offer

You can make yourself a free offer here or simply give us a call. In any case, we will provide you with a non-binding consultation, discuss any questions you may have and how you would like your funeral to proceed.

What costs does the social welfare office cover?

Social funeral ensures that a dignified burial is possible even if the relatives are unable to do so financially. However, the social welfare office only covers the appropriate and necessary Expenses necessary for a simple but dignified burial. Memovida ensures that social funeral services are carried out professionally and respectfully within the framework of the costs covered.

Which services are covered?

The social welfare office reviews each case individually, but in principle the following costs are reimbursed:

  • Undertaker services: Provision of a simple coffin or urn, basic hygienic care for the deceased, transfer to the cemetery or crematorium
  • Burial costs: Fees for grave use (usually in a row grave or anonymous grave field), small-scale funeral service, easy opening and closing of the grave
  • Management fees: issuance of death certificate, cemetery administration costs, necessary formalities

Which costs are not covered?

Not all wishes can be fulfilled as part of a social funeral. The Social Welfare Office does not provide any additional or individual benefits, including:

  • Special coffin or urn models with complex workmanship
  • floral ornaments or special funeral decorations
  • Printing of mourning cards or newspaper advertisements
  • Tombs or elaborate grave design
  • Sea burials or alternative forms of burialif they are more expensive than a simple burial or cremation

In special cases, it may be possible for the social welfare office to approve additional benefits. This depends on the individual assessment.

What does “appropriate and necessary” mean?

When covering costs, the social welfare office is guided by what is generally considered simple but dignified. This means that no luxurious or above-average funerals are financed. However, it is ensured that the deceased is buried respectfully.

The process of a social funeral: A dignified farewell despite payment of costs

A social funeral follows a clear process, which ensures that the deceased is buried in a respectful setting. Although the Funeral expenses being taken over by the social welfare office, this does not mean that the farewell is careless or unworthy. Memovida ensures that the social funeral is carried out with the same care and dignity as any other funeral.

How does a social funeral work?

1. Application and approval by the social welfare office

After the application for reimbursement of costs has been submitted, the social welfare office checks the applicant's financial situation. As soon as the permit is granted, the funeral can be organized.

2. Transfer and preparation of the deceased

The deceased is treated by a funeral home such as Memovida picked up and hygienically maintained. The accommodation is in a simple coffin or, in the case of cremations, in a simple urn.

3. Choice of form of burial

In most cases, there is a Burial in a row grave or a Cremation with urn burial instead of. Anonymous burial may also be an option, provided that it is included in the benefits provided.

4. The funeral service

A social funeral often includes a simple funeral service or a silent burial. The extent of the celebration depends on the benefits approved by the social welfare office. In some cases, relatives can privately finance additional benefits (such as floral arrangements or an individual ceremony).

5. Burial in a cemetery

The burial takes place in a row grave or an anonymous grave field. The exact location and type of grave depends on the regulations of the respective cemetery.

6. Grave care and memorial facilities

After burial, the grave is often maintained by the cemetery administration. An individual grave design or a tombstone are not included in the scope of services, but can be added later on request and at your own expense.

Dignified burial despite simple design

Even if a social funeral is limited to the essentials, this does not mean that the deceased is passed without respect. Memovida ensures respectful implementation and accompanies relatives through this process with empathy.

We are always available to advise you and help you arrange a farewell that meets your individual wishes as far as possible.

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Avoid common mistakes and problems when submitting applications

Applying for social security can be a challenge, particularly for relatives who are in an emotionally stressful situation. However, errors in the application process can result in delays or even refusal to cover the costs.

Typical mistakes and how to avoid them

Submit incomplete documents

  • Missing documents are one of the most common reasons for delays or refusals.
  • solution: Check a complete list of required documents in advance and submit everything in good time. Memovida helps you obtain missing documents.

Provide incorrect or unclear information

  • Conflicting or unclear information about the applicant's financial circumstances may lead to inquiries or refusals.
  • solution: All information should be honest and comprehensible. If there are any uncertainties, we will advise you on the correct wording.

Submit an application too late

  • A social funeral should be applied for as soon as possible, as social welfare offices do not guarantee unlimited retroactive reimbursement of costs.
  • solution: Ideally, file the application immediately after death. If a retroactive application is necessary, we will assist you with the reasons.

Not enough proof that reimbursement of costs is necessary

  • The social welfare office checks whether the applicant is financially unable to pay the funeral costs himself. Lack of proof of income and wealth may result in rejection.
  • solution: Complete all income and financial statements. If there are any uncertainties, we will advise you on which evidence is required.

Don't question rejection

  • A rejected application does not necessarily mean that costs cannot be covered. Missing documents or formal errors are often the cause.
  • solution: An appeal can be filed against a rejected application.

What to do if the application is rejected

If the social welfare office refuses to pay the costs, there are several options:

  • File an appealif the refusal is based on formal errors or lack of evidence.
  • Explore alternative financing options (e.g. installment payments, social funds or church support).
  • Take advantage of adviceto find a solution.

Alternative financing options if application is rejected

Not every application for a social funeral is approved by the social welfare office. A refusal can have various reasons, for example if the social welfare office believes that the applicant can bear the costs himself or if documents are missing. In such cases, there are still various ways to ensure the funeral is financed.

1. File an appeal against the rejection

If the application for social security has been rejected, it should first be examined whether a Appeal against the decision makes sense. The rejection is often due to missing or incomplete documents.

What is to be done

  • Review the rejection notice carefully and understand the reasons given
  • Submit missing documents or provide more detailed reasons for the financial emergency
  • Observe deadlines for filing an appeal (as a rule one month after notification of the notice)

2. Support from foundations and social funds

There are various foundations and social funds that provide financial aid for a funeral in special cases. These funds are often intended for people in financial need or for exceptional cases of hardship.

Possible points of contact:

  • Diakonia and Charity: Support people in need in emergencies
  • Municipal or ecclesiastical social funds: Offer financial aid in many municipalities
  • Associations and aid organizations: Some organizations help with donations for funeral expenses

3. Payment in installments or financing by the funeral home

If no social funeral is approved and there are no further funding opportunities, many undertakers offer a Payment in installments on.

Benefits of paying in installments:

  • Flexible monthly amounts adjusted to the financial situation
  • Possibility to arrange a dignified funeral without immediate payment
  • No heavy financial burdens all at once

4. Minimize costs: choose cheap forms of burial

If a social funeral is not approved, it may be useful to consider a form of burial that is as cost-effective as possible.

Affordable alternatives to traditional burial:

  • Anonymous cremation: A simple cremation with burial without an individual grave
  • community graves: Cost-effective alternative with care from the cemetery administration
  • Natural burials: Often cheaper than classic burials

As an experienced funeral home, Memovida advises you on the most cost-effective options to ensure a dignified burial.

Frequently asked questions

What costs does the social welfare office cover for a funeral?

The social welfare office covers the necessary and reasonable costs for a simple but dignified burial, including funeral benefits, cemetery fees and basic funeral service.

Who pays funeral expenses when there is no money?

If the relatives subject to funeral are financially unable to bear the costs, the social welfare office can cover the costs in accordance with Section 74 SGB XII.

Who is entitled to funeral benefits?

Persons who are subject to funeral expenses and can prove that they cannot bear the costs from their own resources are entitled to reimbursement by the social welfare office.

Which social welfare office is responsible in the event of death?

The social welfare office at the deceased's last place of residence is responsible; if anything is unclear, the city or municipal administration can provide information.

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