What are Disbursements?
What are Disbursements?
These are payments to third parties (e.g. Grave purchase, grave opening, cremation charges, churches, newspaper notices, flowers, organist, soloist, catering) which are included as part of the agreed funeral arrangements and which the Funeral Director pays on behalf of the client family.
It is important to distinguish between these two types of charges. Both are costs covered or paid out by the Funeral Director according to your specific instructions and on your behalf. However, disbursements are charges payable to third parties for agreed services and usually require immediate settlement by the Funeral Director. The disbursement element often makes up a significant proportion of the overall cost of a funeral. Cost of grave purchase is a case in point, one that represents, unfortunately, an ever increasing cost element in a funeral.
Both AIB and Bank of Ireland allow immediate access to the deceased funds to help to pay for these costs