Financial Assistance

We understand that during the process of caring for someone who is dying, many families experience extreme financial difficulty. Rochester Cremation takes great pride in serving all who call on us in their time of need, including those with financial difficulties.

There may be resources available to help those in need, learn more about:

  • Social Security Benefits
  • Veteran Administration Benefit
  • Monroe County Funeral Assistance Program
  • “No-Cost” Cremation Options
  • Life Insurance Assignment Program
  • Payment Options
  • Additional Expenses to Consider

We work closely with many potential sources of funding.  Let us do an assessment and determine the level of help that is available.


Social Security

Currently, if the deceased was married at the time of death, a lump-sum death benefit of $255 is payable to the eligible surviving spouse from Social Security. Rochester Cremation will assist our families in starting the process of claiming benefits. For more information visit www.SSA.gov


Funeral Assistance Program

The Monroe County Funeral Assistance Program provides benefits for residents who are indigent or who have no assets to pay for their funerals. Currently, the maximum benefit is $1250. These benefits are subject to approval and an investigation by the County.
We have an established relationship with the Monroe County Funeral Assistance Program and will take care of the application and paperwork effectively and efficiently on the family’s behalf.


“No Cost” Cremation

It is our policy to provide assistance to families in need of financial help. Accordingly, Rochester Cremation offers the first and only “No Cost” Cremation in our community.
Rochester Cremation will provide our simple cremation services at “No-Cost” for any family who:

  • Qualifies and receives the maximum benefit from the Monroe County Funeral Assistance Program
  • For any Veteran who dies in a Veteran Administration Medical Center.

Once the initial call is made to Rochester Cremation, we will provide:

  • Transportation of the body from place of death (Monroe County)
  • Arrangements and preparation of the required documents and authorizations
  • Alternative container for cremation
  • Transportation of the body to the crematory
  • Return of cremains to Rochester Cremation in a temporary urn
  • Online obituary
  • Interment of cremains in a National Cemetery (for Veterans)

Life Insurance Assignment Program

Needing to use the proceeds from a life insurance policy to pay funeral expenses can become a challenge, as most funeral homes require payment for their services in advance. Our life insurance assignment program will alleviate using a credit card or other forms of borrowing while the claim is being processed.

For a small fee (that is paid to the assignment company) Rochester Cremation will confirm that the policy is assignable, valid and enforceable, what the death benefit amount is, and process the claim for benefits on behalf of the beneficiary(s).
Rochester Cremation usually receives payment within 3 days of the initial request. When families choose this service and there are enough funds available, there will be no additional funds due from the family. Should there be an overage of funds available, they are paid directly to the beneficiary(s)—Rochester Cremation is only paid the amount of our services.

  • If families choose this service, no personal monies are due at the time of services.

Payment Options

Payment for our services is expected prior to services being rendered, unless prior arrangements have been made.
We have established a payment policy that serves all families fairly. With flexible payment options, you can choose an arrangement that best fits your family’s resources.

  • Cash, Check
  • MasterCard, Visa, American Express or Discover
  • Life Insurance Assignments
  • Monroe County Funeral Assistance Program
  • Veteran’s Administration Benefits
  • Pre-Funded Trusts

Rochester Cremation is a Registered Funeral Firm as required by New York State. In New York State, Funeral Firms are not permitted to own or operate their own crematory; therefore we are required to use third-party crematory operators. For more information, please visit our Cremation Costs page.