WHEN Isabella Day’s partner Ford unexpectedly died in August, she was forced to navigate running a small business and a household budget alone while grieving.
The 51-year-old goldsmith, from Devon, had worked with Ford Hallam selling hand-made gold jewellery at a store in Dartmouth and through website isabelladay.co.uk for years.
Ford was also a skilled craftsman and could restore items such as swords, and he was the only non-native artist to have been adopted into Japan’s ancient decorative metalworking tradition.
He was 61 when he died due to complications arising from an auto immune disease, leaving Isabella stunned and heartbroken.
She told The Sun: “It was a massive shock when he died. We were engaged, due to be married in October but instead of planning a wedding, I had to plan a funeral.”
The pair had lived together as a blended family with Isabella’s two sons 16 and 25 and one of Ford’s sons, 22.
Ford had no life insurance or pension when he died, so the drop in income left Isabella’s finances and business under huge pressure, too.
Two of their sons are in full-time education and so aren’t able to contribute to the family budget, and this month the 25-year-old has just moved into his own flat.
“I was struggling emotionally and grieving but I was now also solely responsible for the business that I had with Ford,” Isabella said.
“You can’t just scale up a skilled craft business when someone else’s output is no longer there.”
Feeling desperate for help, Isabella went to Citizen’s Advice in September to see if there was any financial support she could access.
The organisation told her about the Bereavement Support Allowance.
The benefit gives lump sum payments of up to £3,500 after a partner has died, as well as ongoing payments up to £350 for 18 months.
Within days of applying, she received the payment.
“I was really surprised to find out about it, but the whole thing has been amazing – it was so easy to apply, I did it in about 20 minutes,” she said.
“And it was facts that you can manage while you are grieving, I didn’t need to go into the details of the death or anything traumatic.”
The Bereavement Support Allowance is not mean-tested and it’s available even if you are not married to your partner – though you will have had to have been living together.
You will need to be under state pension age and your partner’s National Insurance contributions will need to be up to date for you to qualify.
Isabella added: “I just wish I had known about it sooner. In hospital they give you a booklet when your partner dies, but there was no mention of this benefit.
“It’s a lot of money and made a significant difference to us.
“I think a lot of women could benefit from knowing about this support, especially small business owners. There needs to be greater awareness of it.”
What is the Bereavement Support Allowance?
If your partner dies when you are under State Pension age you could claim for the Bereavement Support Payment.
The benefit isn’t means-tested so it doesn’t matter what your income is, if you have any savings or if you’re working.
The benefit is available if you were married, but you can also claim if you and your partner were living together, and you look after a child which you get Child Benefit for.
If you have children under the or you’re pregnant, you can get a lump sum payment of £3,500, as well as monthly payments of £350 for up to 18 months.
If you don’t have children and are married, you can still get support. You’ll be entitled to a lump sum payment of £2,500, plus monthly payments of £100 for up to 18 months.
You’ll be asked for your National Insurance number as well as your partners as part of the application.
You usually need to make a claim within 21 months of your partner’s death – and in most situations you’ll need to claim within three months of death to get the full amount of payments.
You can apply for the Bereavement Support Payment by filling in a form from the gov website or calling the Bereavement Service helpline on 0800 151 2012.
If you need more help, you can contact Citizens Advice in England on 0800 144 8848. You can also talk online or find your nearest Citizens Advice at citizensadvice.org.uk.
Where to get support for bereavement
There is lots of help and available if you are experiencing grief after the death of a loved one.
NHS therapy and counselling services – NHS talking therapies services are for people in England aged 18 or over. You can speak to your GP about talking therapies or get in touch with the talking therapies service directly without going to your GP.
At a loss – Find bereavement services and counselling across the UK
Child Bereavement UK – Offers support if you are bereaved after losing a child. Or if you’re a child or young person who is grieving after losing someone.
The Good Grief Trust – a charity run by bereaved people, helping all those experiencing grief in the UK.
Samaritans – if you’re struggling you can call Samaritans any time on 116 123 to talk about anything.
