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3. Applying for assistance

Where is the Needs Assessment Unit Office located in Grand Cayman?


The NAU office is located at 55 South Church Street, 1st Floor Aqua Mall, George Town. Click here to see the location on a map.




How can I obtain an Application Form?


You may download the NAU Application Form from nau.gov.ky or collect a printed form from the NAU Office (see “Where is the Needs Assessment Unit Office?).




How do I apply to NAU for financial assistance?


  1. Determine whether you may qualify to receive financial assistance from the NAU. Click here to complete your online self-assessment.
  2. Complete the application form and gather all supporting documents. Click here for the application form and a list of required documents.
  3. Submit the completed application form and all required documents.




When will NAU be in my district?


District visits are usually done on a Friday. Visit nau.gov.ky/nauky/district-days for the district visits schedule.




What are the opening hours for the NAU?


The NAU Offices in Grand Cayman and Cayman Brac are open Monday – Thursday from 8:30 am to 4:00 pm. The NAU offices are closed on Fridays to facilitate district visits and service clients who cannot visit the offices.




How can I contact the Needs Assessment Unit?


You can contact the NAU via email at NAUInfo@gov.ky or via telephone at 946-0024 (Grand Cayman Office) or 948-8758 (Cayman Brac Office).




Where is the Needs Assessment Unit Office located in Cayman Brac?


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If I am self-employed, how should I provide proof of income?


For the NAU to adequately assess the application and determine the eligibility of a business/company owner, you will need to submit the following additional documents:

  • Trade and Business License
  • Register of Directors and Officers
  • Bank Statements
  • Financial Statements
  • Pay Slips if you pay yourself a salary

Note: You make also be required to provide copies of contracts and other documents as deemed necessary during the assessment of your application.




Am I required to disclose how much money I have in savings?


Yes, applicants are required to disclose any available cash and savings for the entire household. This can be done by submitting bank statements showing activity in the last 6 to 12 months. See “Are recipients of temporary financial assistance allowed to have savings?”. Note: The NAU may conduct bank checks if deemed necessary.




If employed, what are the acceptable proof of income that can be submitted to the NAU?


All members of your household should provide evidence/proof of all income received in the form of:

  • Salary/wages – Most recent pay slips and/or job letters indicating earnings for the last four weeks before applying to the NAU.
  • Rental Income – Copy of the signed lease agreement with the tenant as well as a copy of the tenant's identification.
  • Maintenance – Copy of court order or a signed letter from the person providing the maintenance funds with a copy of their identification.
  • Other income (pension, social security, veterans or seamen’s ex-gratia payments) – proof of receipt.
  • Business income – Self-employed people, should provide proof of income earned from their business.




How can I help a family member/friend who is unable to complete and sign the Application Form?


For proof of Caymanian status, we can accept any one of the following:

  • Current Cayman Islands Voter registration card
  • An Acknowledgment Letter from WORC or former Immigration Department
  • Caymanian Status Certificate
  • Stamp in a valid passport indicating the Caymanian status
  • Applicant’s Birth certificate and applicant’s parent’s birth certificate that indicates that they [the parent] was born in the Cayman Islands. If both parents were born outside of the Cayman Islands, then the applicant must provide a copy of the Caymanian parent’s Caymanian Status Certificate dated prior to the applicant’s birth.




How long does it usually take for the NAU to provide a response after the assessment?


On average, it will take the NAU about 5 to 15 working days to respond after completing the interview and financial assessment.




What happens after I submit my application?


After your application is submitted, it is assessed by a Needs Assessment Officer. The assessment process includes an interview (telephone or in-person) and a financial assessment to determine eligibility for assistance. If someone (elderly or disabled) cannot visit the NAU office or participate in a telephone assessment, arrangements will be made for the evaluation to be done at the person's home.




What is the purpose of the Release of Information (ROI) form?


All applicants and related parties must sign the ROI form before applications can be assessed and financial assistance issued.

The signed ROI form gives NAU permission to:

  • request and share relevant information with the people and entities listed on the form and
  • advocate freely for required services on behalf of the applicant.




How can I submit my application and supporting documents?


Completed applications and supporting documents may be submitted via email to NAUInfo@gov.ky or in-person to the NAU office (see “Where is the Needs Assessment Unit Office?).




What documents do I need to provide when applying for financial assistance from NAU?


You are required to submit documents to assist the NAU with proving your identity and citizenship, along with proof of income and expenses and bank statements for every person within your household. More details are available on the APPLICATION FORM and in the ELIGIBILITY SELF-ASSESSMENT & GUIDE




If I own a company, what documents do I need to provide?


For the NAU to adequately assess the application and determine the eligibility of a business/company owner, you will need to submit the following additional documents:

  • Trade and Business License
  • Register of Directors and Officers
  • Bank Statements
  • Financial Statements
  • Pay Slips if you pay yourself a salary

Note: You make also be required to provide copies of contracts and other documents as deemed necessary during the assessment of your application.




What is proof of expenses?


To prove expenses, you must supply the most recent bills available (i.e. those for the current month).

  1. Copies of all official bills/ invoices for the current month should be provided for all monthly expenses. Example: Utility bills, post-paid phone bill, credit card statement, preschool invoice
  2. Mortgage – a copy of bank statement/mortgage profile from bank
  3. Rent – a copy of the lease agreement. If residing with others, then a signed letter of contribution indicating you live there and what your contribution is, if any, should be submitted along with a copy of that person's identification.
  4. Letter of employment along with a copy of identification for caretakers/helpers/nannies.
  5. Maintenance – Copy of court order or signed letter with identification of person receiving maintenance.

Note:

  • it is not necessary to submit bills for transportation (gas, bus fare, etc.), propane, laundry, pre-paid telephone (top-up)
  • Receipts are only acceptable for money transfers but not acceptable for any other monthly expense.




Will I receive a notification of whether my application for financial assistance has been approved or denied?


Yes. Your assigned Officer will contact you within 15 days of your assessment interview.




I have been denied a service that I applied for. How do I appeal that decision?


We are committed to providing equitable support based on individual needs. If you believe that we have not assessed your needs appropriately, or if we have not correctly applied the qualification criteria, then please submit a letter to the NAU in person or send an email to your assigned Officer and copy NAUInfo@gov.ky to submit a request for reconsideration. Please be mindful that we are not able to change the eligibility criteria on which clients are assessed as these are matters of policy.




How do I find out who my assigned Officer is?


Contact the NAU by telephone at 946-0024 or email your query to NAUInfo@gov.ky




If my family member is unable to make decisions and act on their own behalf, can I assist?


Family members may assist an applicant and should seek to obtain a Power of Attorney / Legal Guardianship if necessary.




I am following up on a family member or friend's application; what do I do?


We regret that we are not able to discuss anybody's case with a third party unless the applicant has consented to us disclosing information on the Release of Information form or unless the enquiry is directed to us from someone who has a Power of Attorney for the applicant’s affairs. If you have the Power of Attorney or Legal Guardianship for an applicant, please provide this to the NAU along with your ID.




I need to follow up on my application. What should I do?


If 15 working days have passed and you have not heard from your assigned Officer or received an email notification or text message, we suggest that you contact us as follows:

  • Call the NAU on (345) 946-0024
  • Send a follow-up email to your assigned Officer, and copy NAUInfo@gov.ky




What does “household” mean?


The term “household” means a person living alone, or a group of people, who need not necessarily be related, residing at the same address and with common housekeeping. i.e. sharing at least one meal a day or sharing a living room.

Note: For the purposes of eligibility criteria, a hired live-in helper or caregiver is not considered part of the household, so their income and savings are not to be included.




How do I find out when my services expire?


To find out when your services expire, contact us as follows:

  • Call the NAU on +1 (345)946-0024
  • Send a follow-up email to your assigned Officer, and copy NAUInfo@gov.ky




When will I need to be reassessed?


You will need to be reassessed if there are changes to your financial circumstances, the make-up of your household or if your financial assessment has expired.




What is a “needs assessment” or “financial assessment”?


A “needs assessment” or “financial assessment” is a process that examines all sources of a person's income and their expenses, as well as those of others in the person's household, to determine the financial needs of the person and their household.




What does “elderly” mean? Who is considered elderly?


A person who is 60 years old and over.




If I get a job, do I need to advise the NAU?


Yes. If your circumstances change, such as if you get a job, people move into or out of your household, or you get married or have a baby, you need to inform the NAU of the change, as it may affect the benefits to which you are entitled. We may ask you to provide additional documentation to provide evidence of the change.




How long is the financial assessment valid for?


Assessments are valid for the following periods:




Am I eligible for an extension of services if I fall in the single able-bodied individual category, and my services are expired?


A single able-bodied individual is eligible for three months assistance.




What do I need to do when my financial assistance is expired?


To request an extension to your financial assistance, complete and submit a new Application Form to the NAU along with current income/expense documents; Note, you do not need to resubmit your identification documents. If you do not have an assigned Officer, you should submit the application in person to the NAU or via email to NAUInfo@gov.ky




How do I submit a complaint?


To submit a complaint, you may complete and submit a Complaint Form online, or in-person to the NAUor send an email to NAUCompliance@gov.ky




Do I need to register with WORC Jobs Cayman?


To be assessed for support by the NAU, all unemployed members of your household between the ages of 18 and 60 need to provide proof of registration with the National Workforce Development Agency, unless they suffer from a medical condition that does not allow them to work.




Am I able to make an anonymous report of fraud to the NAU?


Yes, you can report fraud to the NAU or the RCIPS anonymously.




What should I do if I am aware of fraud?


If someone fails to report an applicable change of circumstances or supplies the NAU with false or misleading information, then they are committing the offence of fraud. A person who accepts support to which they are not entitled harms others who really are in need of support and harms the community as a whole. If you are aware of fraud, you may report the suspicion via email to NAUCompliance@gov.ky, telephone at (345) 946-0024, or submit a letter to the NAU Office.




How do I cancel an application for assistance?


To cancel an application for assistance, you may visit the Office to submit a letter or send an email to your assigned Officer and cc NAUInfo@gov.ky




Do I need to advise the NAU if my situation changes? Someone no longer resides in my household, I get a job, or I get married or have a baby?


Yes. If your circumstances change, such as if you get a job, people move into or out of your household, or you get married or have a baby, you need to inform the NAU of the change, as it may affect the benefits to which you are entitled. We may ask you to provide additional documentation to provide evidence of the change.




How do I submit a Freedom of Information (FOI) request?


To submit an FOI request, you may submit your request in a letter and submit it to the NAU office or send your request via email to NAUFOI@gov.ky




What documents will I need to submit as a landlord?


If your property is registered in an individual's name, you will need to provide a:

  • Signed Lease Agreement
  • Photo ID with signature
  • Land register




How will I know if a tenant / a prospective tenant is approved for rental assistance through the NAU?


If an applicant is approved for rental assistance, a Unit representative will make contact with the landlord / prospective landlord, who will be advised of the approval period and the monthly amount approved for payment.




When should a tenant who is applying for rental assistance from NAU reapply for assistance?


An applicant receiving rental assistance from NAU should reapply for assistance one month before the service expiration.




When the approved period expires, who is responsible for paying the rent?


The tenant is responsible for paying their rent once the period on the NAU Rental Agreement expires.




Will the NAU make payment for the duration of the tenant’s lease agreement?


The NAU will make payment for an approved period which will be clearly printed on the NAU Agreement for Rental Payment.




Where can I obtain a landlord Direct Deposit Form?


CLICK HERE to download a copy.




How will I know how long the payment for rent assistance is approved?


An NAU Agreement for Rental Payment will be prepared, which outlines the period the NAU will provide assistance with rental payment and to whom payments will be made.




How do I receive payment via direct deposit?


A landlord direct deposit form should be completed and submitted with a copy of a current bank statement showing the name of the account holder and the account number only.




My landlord has not been paid as yet. How do I find out what the status of the rent payment is?


To follow up on the status of rental payment, please send an email to your assigned Officer and cc NAUInfo@gov.ky




I am a landlord; when and how will I get paid?


Once the NAU Rental Agreement is signed by both the Tenant and Landlord, there is twenty-one (21) business days waiting period for the first payment. Landlords can opt to receive payment by cheque, which will be sent via registered mail or be paid via direct deposit.




What does the lease agreement need to include?


The Landlord/Tenant lease agreement should include:

  • The physical address of the rental unit,
  • Configuration of property (number of bedrooms/bathrooms/self-contained unit/room within the house)
  • whether accommodation is shared
  • name and contact number of landlord/property owner
  • monthly rent cost
  • whether utilities are included or not included
  • the names of the people who will be residing at the property
  • whether a deposit is required and the deposit amount




What documents are required if the property is managed by a property manager?


If the property is managed by a Property Manager, in addition to the above, you will need to provide:

  • Signed Lease Agreement
  • Photo ID with signature
  • Land register
  • Property Management Agreement
  • Company Documents
  • ID for authorized signatories




What documents are required if the property is registered in the name of a company?


If your property is registered in the name of a company, you will need to provide:

  • Signed Lease Agreement
  • Photo ID with signature
  • Land register
  • Trade & Business License
  • Register of Directors/Officers/Beneficial Owners
  • Authorized Signatory List (if available)
  • Photo ID with signature for authorized signatory(ies)




How will I know if my food card has been topped up?


Check online – see the back of the food card with instructions. You may also check with the Customer Service Representative at the supermarket to confirm that funds are on your card before you begin to shop.




How often will my food card be topped up?


Food cards are topped up bi-weekly on Fridays.




How do I appeal a denial of service for indigent medical insurance?


To appeal a denial of service for indigent medical insurance, submit a letter requesting reconsideration to your assigned Officer and cc NAUInfo@gov.ky. Once received, this will be forwarded to the approving body for reconsideration.




Can I apply for an extension of indigent medical insurance coverage?


To request an extension of indigent medical insurance coverage, you may advise the Unit in person or send an email to notify your assigned Officer and cc NAUInfo@gov.ky.




Where do I get a CINICO card from?


CINICO cards are obtained directly from CINICO. Please visit the CINICO website to download the card application form.




How do I apply for indigent medical insurance through CINICO?


Complete the Application Form and submit the required documents. Provide a copy of your health insurance card, schedule of benefits, a letter confirming services available/exhausted if this is applicable.




How do I get assistance with medical insurance coverage?


Caymanians / Dependants of Caymanians who have been deemed indigent or uninsurable, personal insurance plan has been exhausted, who have a medical need and are unable to afford medical treatment may be eligible for Indigent Medical Insurance coverage from CINICO.




My personal insurance is exhausted. Can I apply for indigent medical insurance?


Caymanians / Dependants of Caymanians who have been deemed indigent or uninsurable, personal insurance plan has been exhausted, who have a medical need and are unable to afford medical treatment may be eligible for Indigent Medical Insurance coverage from CINICO.




Who is eligible for indigent medical insurance?


Caymanians / Dependants of Caymanians who have been deemed indigent or uninsurable, personal insurance plan has been exhausted, who have a medical need and are unable to afford medical treatment may be eligible for Indigent Medical Insurance coverage from CINICO.




What do I do if my ID is not working with my food card?


Try another government-issued ID. If none of your IDs works, contact the NAU to advise your assigned Officer or email NAUInfo@gov.ky




If I lose my food card or if my food card is stolen, what should I do?


If your food card is lost or stolen, notify the NAU in person or via email by emailing your assigned Officer or NAUInfo@gov.ky




If the funeral package my family selected costs CI$5,000. Can the NAU assist with the cost?


No. The funeral homes provide a package for clients of the NAU. It is priced at CI CI$3,500 and this is the only package for which the NAU is able to provide support.




Do I need to provide a quote from the funeral home?


Yes, the funeral home of your choice (Bodden's or Churchill's) will provide a quote for the indigent burial package.





4. Seafarers Benefits

How do I apply for Seamen's Grant?


To apply for Seamen's Grant, Seafarers may register through the Cayman Islands Seafarers’ Association.




Who is eligible for the Seamen’s grant?


The grant of CI$950 monthly is available to Caymanian seamen or the surviving spouse of a seaman who spent at least three consecutive years at sea prior to 1985, are receiving a monthly income of less than CI$3,000 and have reached the age of 60.




What is the monthly stipend for Seamen’s Grant?


The Seamen’s grant is CI$950 per month.




Who should I notify if a Seaman has passed away?


Contact the NAU via email at SeamenGrantApplication@gov.ky or by phone at (345) 244-7229.




Who should I email my inquiry regarding Seamen’s grants to?


People with enquiries should contact the NAU via email at SeamenGrantApplication@gov.ky or by phone at (345) 244-7229.




Is the NAU responsible for processing the Seamen’s Grant Applications?


Yes, the NAU is responsible for processing the Seamen’s Grant Applications.




Where do I submit the application for Seamen’s Grant?


Completed applications should be submitted to the Cayman Islands Seafarer’s Association located at 11 Victory Avenue, Prospect, George Town, Cayman Islands.




Where can I obtain the Seamen’s Grant Application Form?


The Application Form may be obtained from the Cayman Islands Seafarers Association, their website at www.caymanseafarers.ky or the NAU website at nau.gov.ky





2. Do I qualify?

Who qualifies for financial assistance?


To receive financial assistance from the NAU:

  • The applicant must be Caymanian, a dependant of a Caymanian or have Caymanian dependents, and

  • the combined household (all persons living in the home) monthly net income (i.e. not including amounts for pension and health) of CI $3,000 or less; and

  • the applicant must have less than CI$3,000 in available funds to meet their basic needs if under 60 years old, or less than CI$8,000 if 60 or over, and

  • the applicant must have been physically resident in the Cayman Islands for at least 8 months of the previous 12 months.

Note that where there is a disabled (mental or physical) dependant in the household, even if the household income is greater than CI$3,000 per month, financial assistance can be provided if the NAU determines, through the financial assessment, that the expenses associated with the disabled person's needs directly result in the inability to afford basic needs.




Is assistance available for households with a disabled person/s?


Where there is a disabled dependant in the household, and it is determined by the NAU through the financial assessment that the expenses associated with a disabled person's needs directly result in the inability to afford basic needs, financial assistance can be provided.




Do I need to be physically present in the Cayman Islands for a period of time before applying to the NAU for financial assistance?


Yes. Applicants must have been present in the Cayman Islands for at least 8 months of the previous 12 months when applying for financial assistance from the NAU. If you were out of the country for more than four months in the last year, you do not qualify for financial assistance.




Who is eligible for long term Financial Assistance?


A person who qualifies for financial assistance (see answer to “Who qualifies for financial assistance?”) and is aged 60 and older or has a mental or physical disability.




Are recipients of temporary financial assistance allowed to have savings?


Yes, a person can have savings of up to $3,000 (combined for the household) if under 60 years of age and up to $8,000 (combined for the household) if over 60 years of age.




Am I eligible to apply for financial assistance if I am unable to work?


See answer to “Who qualifies for financial assistance?”, the length of time that you are eligible for assistance will be determined based on the assistance you qualify for.




If I qualify for maintenance, do I need to file for maintenance before applying for financial assistance from NAU?


Yes. A person who qualifies for maintenance but is not receiving maintenance must first apply for Child and/or Spouse Maintenance through the Courts before applying to the NAU for financial assistance.

Maintenance is applicable if you are unmarried, and the father of your child is not paying maintenance, or if you are married. Your husband is not supporting you and/or your children. For further details on how to apply, please refer to the Judicial Administration’s website.





1. How We Can Help

What assistance is available?


The NAU provides financial assistance to people who find themselves unable to fund their basic needs, such as shelter, food, and clothing. Based on the circumstances, financial assistance can be on a long term or short term basis.

The NAU can assist with a variety of living expenses, such as:

  • Rent payments and/or utility bills (light, water, propane)

  • Food and/or clothing

  • Medical costs: such as health insurance, medical equipment and supplies, dental, optical, or assistance with medical travel.

  • Child Education: School lunches, uniforms and shoes, school supplies, summer camp, exam fees, preschool costs and afterschool childcare.

  • Living costs for those that are unable to support themselves due to advanced age or disability.

  • Burial assistance




How much financial assistance can I get?


The amount of financial assistance you can get is determined by the type of assistance your circumstances. If you qualify for support, please use the eligibility tool on our website to see if you are eligible and review the "How we help" section to see the available amounts. Those aged 60 and over or with a mental or physical disability may qualify for up to CI$950 per month.




Can I apply to the NAU for assistance with placement in the Pines Retirement Home?


Yes. For assistance with placement in the Pines Retirement Home, the applicant must complete and submit the NAU Application Form, all required documents and a completed PINES Application Form.

Click here for the Pines Retirement Home application form.

The Pines application form is available on The Pines Retirement Home website.




Will the NAU pay all my bills?


See “What assistance is available?”, the assistance for qualifying persons may be in any of the following forms:

  • Food vouchers
  • Rent payment
  • Utility payment
  • Payment for school fees (preschool), uniforms, lunches, afterschool programme and summer camp registration
  • Payment for medical costs and medical travel
  • Subsistence stipend

Before providing financial assistance, the NAU will conduct an assessment to determine if a person qualifies for financial assistance from the NAU (see answer to “Who qualifies for financial assistance?”), the type of assistance that can be provided and the amount (see answer to “How much financial assistance can I get?”).




What does the NAU consider an emergency situation?


Emergency situations include natural disasters, domestic violence, fire, homelessness.




I am about to become homeless; what do I need to do to request assistance?


Unfortunately, we are unable to provide immediate assistance without first assessing the individual needs of the applicant. It’s important to get your application process underway as soon as possible. Complete the Application Form and submit it as soon as you can, with all the required documents. Locate an apartment and provide a lease agreement. In the interim, please try to identify family or friends you may be able to stay with if necessary.




Can I receive instant assistance with food?


If you are in need of immediate assistance with food, you can contact the local food pantries:

  • Operation Joy Food Bank – First Assembly of God – www.firstassembly.ky
  • Cayman Food Bank – (345) 926-6111

Note: The NAU financial assistance process required you to complete the application process and be assessed, so it is very important to get your application process underway as soon as possible if you are likely to need assistance for more than a few weeks.




What is the allowance for medical equipment and supplies?


Eligible clients who require medical equipment and/or supplies that are not provided through their health insurance coverage will qualify for a maximum of CI$1,000 within a fiscal year. An invoice is to be provided.




What is the allowance for optical?


If the health insurance coverage does not meet the medical expenses, eligible clients will qualify for CI$300 in a two-year period. An invoice is to be provided




What is the allowance for dental?


If the health insurance coverage does not meet the medical expenses, eligible clients will qualify for dentures up to CI$500 in a 12 month period and up to CI$1,500 within a 12 month period for braces not covered by insurance but are medically required. An invoice is to be provided.




Is medical travel allowance available for travel to Grand Cayman for medical attention?


Eligible clients travelling between the sister islands will qualify for CI$150 per travel between islands but no more than twice in a twelve-month period.




What is the allowance for medical travel?


If the health insurance coverage does not meet the medical expenses, eligible clients will qualify for CI$400 per travel overseas but no more than twice in a twelve-month period. Medical travel itinerary is to be provided.




Does the NAU approve or provide indigent medical insurance coverage?


The NAU does not approve indigent medical insurance coverage. The NAU conducts the financial assessment to determine whether the applicant is indigent and submits the application to the approving body that makes the decision.




What is the allowance for preschool assistance?


The maximum allowed for preschool assistance is set at CI$450 per month.




What is the clothing allowance per person?


Eligible clients will qualify for a maximum of CI$250 per person and a maximum of CI$750 per household within a fiscal year.




What are the amounts for food assistance?


  • 1 person CI$75 per week CI$150 bi-weekly CI$300 monthly
  • 2 people CI$90 per week CI$180 bi-weekly CI$360 monthly
  • 3 people CI$100 per week CI$200 bi-weekly CI$400 monthly
  • 4 people CI$110 per week CI$220 bi-weekly CI$440 monthly
  • 5 people CI$120 per week CI$240 bi-weekly CI$480 monthly
  • 6 people CI$130 per week CI$260 bi-weekly CI$520 monthly

All amounts are in CI$. Families of more than six (6) people are provided with an additional CI$5 per person per week.




Does the NAU provide burial assistance?


Yes, the NAU provides assistance with burial and vault, where an applicant qualifies.

Assistance may be approved up to a maximum of CI$3,500 for the indigent funeral package and/or a maximum of up to CI$1,200 for the vault.




Does the NAU provide assistance with Exam Fees?


Eligible clients will qualify for exam fees for public school. An invoice from the school is to be provided.




What is the Afterschool allowance?


Eligible clients will qualify for up to CI$200 per child per month towards afterschool care payments at a maximum of CI$600 per family. An invoice is to be provided.




What is the Summer Camp allowance?


Eligible clients will qualify for a maximum of CI$600 per child and a maximum of CI$1,500 per household. An invoice is to be provided.




Am I able to apply for burial assistance on behalf of my deceased loved one?


Yes, a family member or other related party may apply for burial assistance if necessary on behalf of a deceased loved one.