Can your Family Afford to Die?

Can your Family Afford to Die?

Can your Family Afford to Die is not a question many people ask.  And in a lot of cases the answer will be that they can’t afford to pay for a funeral, and they will have to suffer the indignity of a paupers funeral.  Or impose a significant and perhaps badly timed burden on relatives.

We have two suggestions after you read this important report>

Is the Funeral Payment scheme fit for purpose?

– As Funeral Poverty hits a record £118 million1, a new report sheds light on the emotional and financial distress families suffer when looking to the welfare state for support with funeral payment

  • Almost  half of 69,000 applications for a Funeral Payment (FP) rejected2
  • So-called “pauper’s funerals” (Public Health Funerals) expected to rise as it becomes “too expensive for poor people to die”
  • Funeral Payment applicants forced into debt by committing to funeral cost of £1,000s prior to finding out if they will receive state support

A new Cost of Dying Special Report into Social Fund Funeral Payments from Sun Life Direct and the University of Bath  reveals that the Funeral Payment scheme, intended to contribute to the cost of funerals for the most vulnerable in society, is failing to meet mounting demand. As the cost of funerals increases and economic austerity continues, the report warns that a burgeoning older population is likely to bring ever-increasing pressure on an already stretched system.

69,000 applications were made for a Funeral Payment last year; moreover, almost half were rejected, leaving large numbers of vulnerable people having to consider alternatives such as a Public Health Funeral or, so-called, “pauper’s funerals”. Even for those successful in their application, the typical sum awarded of £1,217 falls far short of today’s average cost of £3,091 for a funeral3, leaving many with significant outstanding debt to pay.

The study paints a picture of an outdated support system at odds with the reality of modern day funerals. For example, the research indicates that the process through which family members are currently assessed is unclear and relies too heavily on traditional notions of the ‘nuclear family’, not taking into account the quality of relationships and the inclination to pay towards the deceased’s funeral. As such, survey respondents were often left feeling confused, frustrated and a sense of social shame when applying for assistance. Furthermore, the process was also felt to exacerbate claimants’ ill health, over half of whom were seeking help for depression, anxiety and insomnia.

Within an international context, the study suggests that the UK is in a weak position to address the provision of state support for those who cannot afford a funeral.  An emphasis on individualism that regards death as a private event, a reliance on a free market economy to regulate funeral costs and a political narrative of welfare dependency rather than entitlement make for a perfect storm of disadvantage to confront the underlying issues.

Dr Kate Woodthorpe, a lecturer in Sociology at the University of Bath and author of the report, comments: “Quite simply, it is becoming too expensive for poor people to die. Thousands of the most vulnerable in society are being let down by a system of state support that lacks coherence and is so unclear that some applicants have to resort to alternative means to organise a funeral. One participant in the study decided to undertake a DIY funeral, buying her mother’s coffin from the internet and picking up the body from the hospital in her car. She subsequently sold the car to generate cash to pay for the funeral costs.”
The UK’s ageing demographic is also set to worsen the problem of state support for funerals. Last year alone, the number of applications rejected for a Funeral Payment increased by 6.9 per cent, and this is likely to jump again as the death rate is forecast to rise by 17 per cent each year for the next 15 years4. With rising concerns about pensioner poverty and the cost of social care, having sufficient resources on hand to pay for a funeral is set to become an issue for a growing number of people.
Simon Cox, head of life planning at Sun Life Direct, says: “We have to ask ourselves whether the current infrastructure for end of life support is fit for purpose. Something must be done, and quickly. A good starting point would be to address the issue of timing. More often than not the claimant will need to commit to funeral payment prior to confirmation whether they will receive support. Bereaved people must know what they will receive before they agree to taking on debts, otherwise we will see the most vulnerable caught in a spiral of debt and distress.”

That’s the end of the Report Press release.

Our suggestions so your family can afford to die:

1) It is possible to buy a prepaid funeral plan for someone else. Or by a family group all chipping in.

2) It is also possible to buy a prepaid funeral plan which can be used by another family member if necessary.  This is a subtler way of helping an elderly relative.



1. Sun Life Direct Cost of Dying Report* 2012
2. Annual Report by the Secretary of State for Work and Pensions on the Social Fund 2010/2011
3. Sun Life Direct Cost of Dying Report* 2011
4. National Audit Office (2008) The potential cost savings of greater use of home- and hospice- based end of life care in England, prepared by RAND (Cambridge: RAND).