The impact of funeral poverty can be financial, in the form of unmanageable debt, but it can also be emotional in the form of the distress, shame and the perceived stigma of not being able to provide a ‘decent send-off’ for someone we love.
Valerie, 49 from Bow in East London experienced funeral poverty following the death of her father. She said:
“When I didn’t know how I was going to pay for the funeral I was tearing my hair out. It was all I could think about. I couldn’t even start saying bye to dad.”
The cost of funerals has risen more than 90% in a decade. The average price for a cremation now stands at £3,214 and £4,136 for a burial. Prices are increasing at four times the rate of inflation and have risen above inflation for the past 35 years.
These costs are placing an unbearable burden on the already stretched finances of bereaved families, many of whom are getting into serious, unmanageable debt when they lose someone they love. In 2013 the most expensive transaction on credit cards was “Funeral Services”, with an average cost of £1,114. The situation is worse still for people who can’t access more affordable forms of credit and have to turn to high-interest lenders to cover funeral costs.
When we’re grieving we don’t act like savvy consumers.
This is a big problem in an industry where there are such huge differences in what funeral directors charge for the same goods and services. And to make matters worse, it’s difficult to find clear, comparable information about what funerals really cost.
Our online research found that 96% of funeral directors didn’t have prices on their websites. The National Association of Funeral Directors' own research shows that 85% of those who've purchased a funeral in the past five years want prices on sites.
Funerals are getting much more expensive at the same time as support from the government is drying up. The Social Fund Funeral Payment is available to people on qualifying benefits when there is no money from the family or the estate of the deceased. It used to cover the cost of a basic funeral. It now only covers around 37% of the overall bill.
Making a claim can be a complex process and can leave people confused and frustrated at a very stressful and disorientating time.