Quebec bereavement assistance

Quebec Retirement Funeral Assistance Program
One of the main resources for bereaved families in Quebec is the Funeral Assistance Program offered by Retraite Québec. This program provides financial assistance to cover funeral costs and death-related expenses, under certain conditions.
Eligibility criteria
- The deceased had to be a contributor to the Quebec Pension Plan (QPP).
- The service is offered to the loved ones of the deceased, usually the immediate family.
Amount granted
The maximum amount is $2,500, although this figure may vary depending on contributions made to the QPP.
Steps
To apply for this assistance, you must complete the form available on the Retraite Québec website and provide the required documents, including a death certificate.
Our advisors can answer your questions and even take charge of your requests.
Social assistance for low-income earners
If the deceased or his or her immediate family was in a precarious financial situation, the Quebec government may offer assistance through the Social Assistance Program. This benefit is intended to cover basic funeral expenses.
Who can benefit?
- Low-income families.
- People without sufficient assets to cover funeral expenses.
Amount and coverage
Assistance varies according to the family’s needs and financial situation. It may include transportation, cremation or burial costs.
How to apply
Contact your local employment center (CLE) or the Ministère du Travail, de l’Emploi et de la Solidarité sociale to obtain specific information and start the application process.
Our advisors can answer your questions and even take charge of your requests.
Private and group insurance
Many people take out life insurance policies, which may include benefits to cover funeral expenses. If the deceased had private or group insurance, relatives can request payment of the benefits provided.
Steps :
- Check the deceased’s life insurance policies.
- Contact your insurer to find out how to proceed.
- Submit the necessary documents, such as the death certificate and bank details.
Help from community associations and organizations
Some associations and community organizations offer financial or logistical support to bereaved families, especially in cases where financial resources are limited.
For example:
- Churches or places of worship can sometimes help organize a low-cost funeral.
- Organizations like the Fonds de solidarité funéraire offer services tailored to families in need.
Death tax credits
The federal and provincial governments offer tax credits that can reduce the expenses associated with death, such as :
- Credit for funeral expenses, cemeteries and monuments.
- Credit for medical expenses and palliative care.
How can you benefit?
Include eligible expenses on your income tax return. An accountant or tax specialist can guide you to maximize tax benefits.

Practical tips to ease the financial burden
Compare prices
Funeral service costs vary widely. Take the time to ask for several quotes.
Prioritize your spending
Identify essential services and avoid unnecessary costs if your budget is tight.
Consult an advisor
Funeral consultants can guide you through the options available to meet your financial means.
Conclusion
Coping with a death is a difficult time, but there are resources available to support you. Whether it’s government assistance, private insurance or local associations, it’s essential to know your rights and the options available to you. Take the time to get informed and seek the appropriate help to get through this ordeal with peace of mind.
To find out more, contact your advisor or visit the Retraite Québec website.
