New Jersey · Camden County
What to do when someone dies in Camden County, New Jersey
Camden County is home to about 533,988 people. Everything below applies county-wide.
If you cannot afford burial or cremation in Camden County, call the Camden County Board of Social Services first, before signing anything with a funeral home. If the person was a veteran, free burial benefits may cover even more.
Funeral and Burial Expense Payment (Work First New Jersey rules)
Camden County Board of Social Services
When they answer, say: "I need to apply for burial assistance for a family member." It is okay if you do not have documents ready. They will tell you what to bring.
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Step 1 of 5 · If money is tight
Camden County burial assistance
Do not sign anything with a funeral home before you call. In many counties, signing first disqualifies the family.
Camden County program
Read this before you call
The family or funeral home must notify the county agency before the services take place, or the claim may be denied unless there is good cause.
Funeral and Burial Expense Payment (Work First New Jersey rules)
Camden County Board of Social Services
101 Woodcrest Road, Suite 161, Cherry Hill, NJ 08003 (opens in Google Maps)
Official program pageWho qualifies
The county social services agency may pay toward funeral and burial costs for a person who was receiving Work First NJ cash assistance, SSI or Medicaid at death, or who had applied and could be found eligible. The payment is not automatic. It adds to the resources of the deceased and the family.
Time matters here: The funeral director files the claim within 30 days after the burial or cremation.
What it pays, what you pay
Up to $3,056 for funeral services and up to $714 for cemetery costs for a person age 2 or older, or the amount charged if less (state rule as of 2024).
| Assets | The value of any prepaid funeral contract reduces the allowance dollar for dollar. Contributions from family and others up to $1,570 for an adult are not counted, and amounts above that reduce the county payment. |
|---|---|
| Residency | For SSI recipients, the county where the person last lived is responsible. |
What it covers
Funeral services and cemetery costs are paid separately. Cremation is allowed: an urn is charged to the funeral allowance, and crematory charges and burial of the urn are charged to the cemetery allowance.
How to apply
Call the Camden County Board of Social Services at 856-225-8800 before arranging the funeral and ask about a funeral and burial claim. The funeral director files a petition (Form WFNJ-11M) and the cemetery or crematory files Form WFNJ-11C.
Typical timeline: The state rule says the agency pays within 30 calendar days after the amount is decided.
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Step 2 of 5 · If they served
Was the person a veteran?
This can replace the county program
You may be able to skip the county program entirely. Veterans can receive a free gravesite, headstone, and perpetual care at a national or state veterans cemetery, plus a VA burial allowance of up to $2,000 for service-connected deaths.
Veteran burial help in Camden CountyFrom our free tools
Housing costs weighing on the family too?
Check what housing assistance the household may qualify for, including Section 8 vouchers, in a few minutes. Free, no signup.
Check housing help at CheckMyVoucher.com4
Step 4 of 5 · The paperwork
Death certificates in New Jersey
Where copies come from
Certified copies come from the New Jersey Department of Health, Office of Vital Statistics and Registry (official site). The first certified copy costs $25 and includes the search, then each additional copy ordered at the same time is only $2. Order all the copies you need in one go and you will save a great deal. Online orders go through VitalChek and take 6 to 8 weeks, so if you need copies sooner ask your local registrar in the municipality where the death occurred. You must prove your relationship to the person who died and show acceptable ID. Mail payments go to Treasurer, State of New Jersey, by check or money order, never cash.
Order about 10 certified copies. Banks, insurers, Social Security, vehicles, and property will each want one.
Know your rights
Every funeral home must follow these rules
Federal law (the FTC Funeral Rule) protects you. Do not let anyone tell you otherwise.
- They must give you prices over the phone. Refusing is a federal violation. Call two or three homes; prices for identical services can differ by thousands on the same street.
- Embalming is rarely required by law. If someone claims it is legally required, ask them to show you the law. Direct cremation and immediate burial never need it.
- You can decline anything in a package. You have the right to an itemized price list and to buy only what you choose.
- You can buy a casket anywhere. The funeral home must accept it without charging a handling fee.
Full rules: the FTC Funeral Rule. If a funeral home breaks them, you can report it to the FTC.
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Step 5 of 5 · If you need more
Beyond the county, more help
Where families find the rest
- Dial 211 for local charities, churches, and county funds with money available right now.
- Ask local churches directly. Many congregations have benevolence funds for funerals even for non-members.
- Ask the funeral home about a payment plan or a simpler package. Direct cremation is usually the lowest-cost professional option, and prices vary widely between providers in the same city.
- Considering a fundraiser? Read crowdfunding a funeral: what works.
- And take care of you. Grief is not a checklist. If you are struggling, call or text 988 (free, 24/7) to talk to someone, and most hospices offer free grief support groups to the whole community, no connection to their patients required.
Right now
The first 48 hours
Nothing else on this page matters until these are done. Everything not on this list can wait, and most of it should.
- 1Get the pronouncement. Hospital or hospice handles it; at home, call 911.
- 2Ask one person to help. Making calls should not all be on you.
- 3Look for written wishes or prepaid arrangements before agreeing to anything.
- 4Money tight? Call the county FIRST. Signing with a funeral home first can disqualify you.
- 5Secure the home, pets, vehicles, and any dependents.
- 6Start one folder for every paper you receive. You will need it constantly.
- 7Banks and insurance can wait. That is week one, not today.
Questions families ask
Straight answers
Who pays for a funeral in Camden County if the family has no money?
Camden County's assistance program (Funeral and Burial Expense Payment (Work First New Jersey rules)) can cover a basic burial or cremation for families who qualify. Call 856-225-8800 before signing anything with a funeral home.
Does Social Security pay anything when someone dies?
Yes. An eligible surviving spouse or child can claim a one-time $255 lump-sum death payment by calling 1-800-772-1213, and monthly survivor benefits are often available too.
What if the person who died in Camden County was a veteran?
Veterans may qualify for free burial in a national or state veterans cemetery plus a VA burial allowance, which can matter more than any county program. See our Camden County veteran page for details.
How many death certificates do I need?
Most families need about 10 certified copies for banks, insurance, and property. In New Jersey, order through the funeral home or the state vital records office.
How much does a funeral usually cost?
A traditional funeral with burial commonly runs $7,000 to $12,000. Direct cremation is usually the lowest-cost professional option, often $700 to $2,000, and prices vary widely between providers in the same area, so it pays to call two or three. Every funeral home must give you prices over the phone under the FTC Funeral Rule.
I have power of attorney. Can I still use it?
No, and this surprises almost everyone: a power of attorney ends the moment the person dies. After death, authority passes to the executor named in the will, or to a court-appointed administrator when there is no will. Funeral decisions belong to the next of kin in the order set by state law, usually spouse first, then adult children, then parents, then siblings.
Nobody had power of attorney. Is that a problem?
For after-death decisions, no. Power of attorney only matters while someone is alive. The next of kin can make funeral decisions right away, and the estate is handled through the will or, without one, through the state's simple next-of-kin rules. See our guide on what happens when there is no will.
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Step 3 of 5 · Money owed to you
The Social Security $255 payment
Who can claim it
A surviving spouse who was living with the person who died, or a spouse or child eligible for benefits on the deceased person's record.
Call Social Security at 1-800-772-1213 or visit a local office. You must apply within 2 years of the death. The funeral home often reports the death to SSA, but the survivor must apply for the payment.
Full guide: the $255 death payment, explained