Cost Sharing Funeral Services (CSFS) is a community-driven, non-profit initiative established to ease the financial burden associated with funeral expenses. By pooling resources from members, we ensure no family feels overwhelmed during a time of loss. This service represents an ongoing act of charity (Sadaqah Jariyah), fostering unity and compassion within our community.

Scope of Services

CSFS provides financial support only, up to $7,000, to assist with funeral expenses.
CSFS does not handle or cover services such as body pickup, washing, burial, or land acquisition.
The entire $7,000 is given to the deceased’s family to assist with funeral-related costs.

Memebership Details

Eligibility

Membership is open to all Muslims aged 18 and above residing in Canada legally.
Each member must register individually to be eligible for services, even if they are part of the same household.

How to Apply

Please download the registration and pre-authorization forms from here. After signing the forms, please submit to OMA or email to csfs@omacanada.com  

Membership Fee

The membership fee is $1.00 per person.

** Bank Account Pre-Authorization **

Members must pre-authorize their bank accounts at the time of registration to facilitate future contributions for funeral expenses.
For every pre-authorized withdrawal, a small administrative fee (e.g., $0.50) will be charged to cover operational costs.

Activation Period

Membership becomes active after 90 (ninety) days from the application receipt. During this waiting period, members are not eligible for financial support.

Financial Coverage and Cost-Sharing Model

Collection Process Upon Death

When a member passes away, $7,000 is collected from all members and given directly to the deceased member’s family as financial support.
In addition to the collected amount, a small administrative fee will be applied to cover operational costs, ensuring the sustainability of the program.

Administrative Costs

Administrative costs, such as website maintenance, claim processing, and communication, are covered by the small fee collected during each withdrawal. These costs do not reduce the $7,000 financial support provided to the family.

Additional Guidelines

Volunteer and Confidentiality Policy

Volunteers assisting with financial coordination must adhere to strict confidentiality regarding members’ information.
Details about the deceased or the family’s financial assistance are not to be disclosed without prior consent.

Limitations on Coverage

CSFS does not provide services related to:

  • Transportation of the deceased
  • Funeral rituals such as body washing or burial arrangements
  • Land purchase or grave acquisition
  • In Extraordinary Circumstances, in cases of mass casualties, pandemics, or natural disasters where multiple members pass away simultaneously, CSFS may limit the support provided. Partial assistance will be determined based on member consensus.

Claims Process

How to Claim

To access financial support, the deceased member’s family must submit a completed claim form along with required documents, including:

  • A copy of the death certificate
  • Proof of funeral-related expenses (e.g., invoices for funeral services)
  • Ensure the claim aligns with CSFS terms and conditions

Terms and Conditions

  • Claims are subject to verification by the CSFS Operations Committee.
  • Incomplete claims or missing documentation will not be processed.
  • Fail to pay share of the funeral costs, OMA reserves the right to revoke the membership, and may not be eligible for the services
  • In the event of insufficient funds, the signing members shall be held responsible for all fees incurred by the bank
  • Each and every member is responsible for informing OMA if there are any changes in address, contact numbers, bank information, or any change of family member status
  • OMA functions with Canadian currency. All prices and calculations presented on this website are in Canadian dollars.
  • OMA has the right to change the terms and conditions at any time. All members will be notified about the changes.

Core Principles

At CSFS, we believe in supporting one another through life’s most challenging moments. By pooling resources and working together, we aim to ensure that every member’s family receives the full $7,000 support they deserve without the added stress of financial strain.

Payment Calculator

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