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Life is unpredictable, and it's essential to be prepared for all eventualities, including the end of your own life. Failing to plan ahead can have devastating consequences for you and your loved ones.
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Find out about death benefits and eligible social or financial assistance
After the death of a loved one, in certain cases, beneficiaries may be entitled to death benefits, financial aid or social assistance to help with funeral expenses or to compensate for the loss of the deceased's income.
However, many people are not aware of these aids and often miss out on what they're entitled to.
That's why it's important to find out about the various types of assistance available and take the necessary steps to obtain them.
How to obtain financial assistance
Obtaining financial assistance or a death grant can be an obstacle course for people in difficulty. The administrative procedures are often complex, requiring the provision of numerous documents and supporting evidence.
It is therefore important to find out in advance about the different types of aid available, and be prepared to provide the information needed to facilitate the application process.
The search for social or financial aid is generally underestimated. Eligibility criteria may vary considerably from one program to another. Knowing where to look for a death grant and how to fill in the application forms correctly can be complicated.
Complex eligibility criteria for social benefits
Death grants and financial aid often have demanding eligibility criteria that can be difficult for beneficiaries to understand and meet. These criteria can vary according to the type of assistance and the organization. For example, some benefits may depend on age, family situation, financial resources, illness or disability, which can make it difficult to find a death grant.
Waiting times for grants
Welfare benefits can be paid out relatively quickly, but incomplete or incorrect applications can lead to further delays. It is essential to gather all the necessary information in advance and follow the application instructions precisely. Obtaining social and financial aid can take time, due to the number of applications and the processing required to assess eligibility. Delays can vary depending on the organization and type of aid, but it's important to be organized and patient to maximize your chances of getting the help you need.
The advantages of assistance in finding social and financial aid
Postumo is a service designed to help bereaved families identify social or financial assistance to which they may be entitled. By identifying existing assistance, our service can help relieve families of certain expenses, enabling them to better cope with this difficult period.
Financial assistance
Social death benefits are available
The most common aids are :
Allocation de solidarité spécifique (Death benefit)
The Allocation de Solidarité Spécifique is a death benefit for people who have exhausted their unemployment benefit entitlements.
To be eligible, you must be at least 62 years old (or 60 for people who have worked in certain sectors) and have worked for at least 5 years in the last 10 years and have exhausted their entitlement to unemployment benefits. Household income must not exceed a certain ceiling.
It is important to note that some grants may be subject to specific conditions, and that eligibility requirements may vary according to each grant and may be modified in line with current regulations.
Solidarity allowance for the elderly (Aspa)
This monthly benefit is granted to retired individuals with low incomes and living in France.
65 (or earlier if you meet certain conditions). This assistance is also subject to a residency condition. It is paid by your pension fund (Carsat, MSA, etc.). The amount depends on your family situation (whether you are living with your partner or not).
If you receive Aspa, you must inform your pension fund of any changes in your income, family situation or place of residence.
Finally, this assistance is recoverable from the estate.
Widow's allowance
To qualify for this death grant, you must be under 55, widowed and have a low income. The applicant must also have made sufficient contributions to the old-age insurance scheme to qualify.
Orphan's allowance, annuity, capital sum or pension
This benefit, which may be known by various names, is intended for children who have lost a parent, and the conditions for obtaining it depend mainly on the child's age and the professional status of the deceased parent(s).
Financial assistance in the event of death
Assistance is available in the event of death,
The most common aids are :
Financial assistance for burial
To be eligible for this assistance, you must be able to justify low income and not have taken out funeral insurance. Assistance is means-tested and depends on the number of dependants.
Personalized housing assistance (APL)
This assistance is designed to help low-income families pay their rent. To be eligible, you must be a tenant or flatmate of a subsidized property, and your income must be below a ceiling set each year.
Assistance with funeral expenses:
This is an aid designed to help families cover funeral expenses. To be eligible, you must be a beneficiary of social security or other health insurance. The family's resources must not exceed a certain ceiling, which depends on the number of people in the household. Applications must be made within 6 months of the death.
Moving allowance
This assistance is designed to help low-income families finance the cost of moving house. To be eligible, you must have at least 3 dependent children, and your income must be below a ceiling set each year.
Financial assistance linked to the deceased's contributions
Assistance is available in the event of death,
The most common aids are :
Life insurance
This assistance is designed to help the beneficiaries designated by the deceased receive a sum of money in the event of death. To be eligible, you must have taken out life insurance and designated beneficiaries.
Death benefit
This assistance is designed to help the deceased's next of kin meet the expenses associated with the death. To be eligible, you must be a member of the deceased's family or a beneficiary, and the deceased must have made sufficient contributions to the social security system to qualify.
How can our company help bereaved families?
Our company is there to help those entitled to a death benefit to identify the social or financial assistance to which they may be entitled, and to support them in all the necessary steps to obtain it.
We can help claimants fill in forms, gather the necessary documents and track the progress of their case.
The advantages of our service :
Postumo detects whether the beneficiary or spouse is eligible for death benefits, social assistance or financial aid, following a change in situation when a loved one dies.
Depending on the spouse's situation following the death of a loved one, we can identify regional, state or local assistance. This assistance may be social (home help, for example) or financial.
Postumo takes no commission on your rights and benefits
The services available in our offer
In addition to identifying eligible death benefits, social assistance and financial aid, we offer other services to support loved ones during this difficult period.
Frequently asked questions :
After the death of a relative in France, beneficiaries can benefit from various rights and financial assistance to help them through this difficult period. One of the most important forms of assistance is death benefit paid by the French Social Security system. This financial aid is designed to support the deceased's heirs by providing them with financial assistance to cover death-related expenses, such as funeral costs. The lump-sum death benefit is therefore an invaluable source of financial support for bereaved families, enabling them to meet funeral expenses.
In addition, beneficiaries are also entitled to otherspecific financial assistance depending on their situation. For example, it is possible to benefit from a financial assistance to cover expenses related to palliative care or hospitalization of the deceased. This assistance is designed to ease the financial burden of providing care in such circumstances.
It should be noted that the rights and financial assistance after the death of a parent can vary depending on current regulations and specific social protection schemes. It is therefore advisable to contact the relevant organizations, such as Social Security, to find out about the procedures to be followed and the assistance to which beneficiaries may be entitled in their particular situation.
After the death of a parent in France, the beneficiaries can benefit from various forms of financial aid to support them:
- Death benefit Social Security can pay a lump-sum death benefit to the deceased's heirs to cover death-related expenses such as funeral costs.
- Financial assistance for palliative care and hospitalization Financial assistance for palliative care or hospitalization of the deceased may be available to beneficiaries.
We recommend that you contact the relevant organizations for information on your rights and the steps you need to take to benefit from these specific forms of assistance. Postumo can also help you find out about all the assistance for which you may be eligible. Don't hesitate to talk to us about how we can support you.
The social assistance that can be claimed back after the death of a parent depends on the situation of the deceased.
For example, if the deceased was a beneficiary of housing assistance or the Allocation Personnalisée d'Autonomie (APA), these aids can be recovered after his or her death.
The death benefit is paid to the beneficiaries of the deceased.
Those eligible for financial assistance include the deceased's children, spouse or civil union partner, and ascendants.
In the absence of these people, the lump-sum death benefit can be paid to the people who paid the funeral expenses.
Repayment of social assistance after the death of a parent also depends on the situation of the deceased.
If the deceased was receiving the Allocation de Solidarité aux Personnes gées (ASPA) or the Allocation Adulte Handicapé (AAH), these grants are not recoverable after death.
However, if the deceased benefited from social assistance for accommodation or child welfare, this assistance may be recovered from the deceased's estate.
Reimbursement of funeral expenses
It is possible to obtain reimbursement of funeral expenses in France. However, this depends on various factors such as the financial situation of the deceased, the nature of the funeral, the place of residence, etc.
In general, French social security does not cover funeral expenses, but there is some assistance available for people in precarious situations. Families may also receive financial assistance from the département to cover part of the costs.
Funeral insurance policies are also an option to help cover costs. Reimbursement conditions vary according to the terms of the contract.
We recommend that you contact your local social security office, town hall or department for more information on the various financial aid options available for funeral expenses.
