How different from US
The effects of the crash have yet fully to register. Brits have always had a puritanical, penitential streak, a disposition to pare cheese, save string, make do and mend. Those who will be wiped out are to be pitied. The rest of us, I think, are strangely relieved that it’s all over, happy to get back to self-reliance and common sense. We remind ourselves that the best things in life are recession-proof. The beauties of nature outshine the thrill of the mall.
Bad news is good news for the press; our papers are making merry feeding our schadenfreude and our fear. They’ve picked up on it in the
You hadn’t noticed? It goes like this. Families on benefits are encountering delays in getting Social Fund payments for their funerals. Some funeral directors, unwilling to carry debt, are refusing to go ahead with funeral arrangements until they have been paid. It has taken nine weeks to hold a funeral for a
In point of boring fact, this situation predates the crash. It affects only 27,000 funerals a year. So the chances of a corpse pile-up in your neighbourhood are bathetically less than nil.
The hullabaloo raises interesting questions about funeral costs, though, at a time when everyone will be interested in cheaper funerals. The Social Fund will cough up around £700 towards the funeral director’s bill and around £1,000 for disbursements. In all, that’s a few hundred pounds short of the cost of a typical funeral. Need a funeral cost this much? Two factors, in particular, make funerals arguably more expensive then they ought to be.
The first is the d-word, that peculiar word we apply only to the very old and the dead: dignity. If a funeral does not feature a hearse, bearers, shop flowers atop the coffin and a be-toppered undertaker walking in front of the cortege, most people would reckon that to be shabby rather than simple. Funeral directors could offer a service that costs less than £700, but there’d be little uptake. What’s more, their pricing structures are such that they’d struggle to make a decent profit if they did.
It is interesting to see how, in the US, the huge cost of a ‘traditional’ funeral -- cosmetised, casketed body, visitation, service, whole body burial in a vault -- has spawned its polar opposite, direct cremation, whereby the body is cremated as soon after death as statutorily possible (usually 24 hours) and the ashes returned to the family. Thus Florida Direct Cremation can offer to transport the body, coffin it, do all the paperwork and cremate it for an all-in price of $395. In sinking, shrinking British pounds that works out at just £225.76. Most charge around $900 -- £500.
Direct cremation does not preclude a funeral, but it is likely to be a funeral not for a body but for its ashes. The family chooses its venue. In the
How much does cremating a body actually cost in terms of fuel and capital costs? I ought to find out; perhaps a helpful person will tell me. It’s bound to be more in the UK than it is in the US because we cremate so inefficiently. And this brings me to my second factor: because a
The
It would make more sense for bodies to be burned in a dedicated plant serving several ceremonial spaces. Given the lack of interest most people show in what happens after the curtains close, it would seem to be immaterial if a body is burned a few feet away from the ceremonial space or a few miles. Those few who do wish to see everything through and done properly could still go and do so -- as they do in the US. Sure, they would find themselves in an industrial environment, but scarcely more so than behind the scenes at a crem.
Should local authorities feel obliged to provide a ceremonial spaces? Or crematories? I can’t see why. But they’d hate to give up their crematoria because they yield good profits, which subsidise the costs of cemetery maintenance -- and, therefore, of burial. In this way, local authorities are able to compete unfairly with natural burial grounds run by the private sector. They further penalise cremation clients in order to fund unrelated projects. It’s a pity many of them don’t spend a little of that money on refurbishing their crem toilets.
Vested interests oppose change. Funerals cost more than they ought.
And the funeral directors? Are they making more than they ought? No. They must comply, both, with things as they are and with the wishes of their clients. If funerals cost more than they need, that’s not their fault. Having in mind what they do, they are entitled to a decent living.
As I go to press I can’t help thinking my argument is flawed. It is reassuring to know that my loyal readers will not hesitate to pounce.
Labels: funeral cost
7 Comments:
Having just done a 2 week stint on holocaust type cremations, I can see where the 'industrial' type ending may not hold much appeal............Needs very careful consideration.
Funeral charges are high because the punters seem to like flash cars and posh boxes - not to mention nasty flowers.....
Premises, vehicles, clothes and staff are not cheap and the insurance to keep them all safe isn't cheap either. Those who want cheaper funerals should bury their own dead and stop wittering on at service providers.
I have often thought that FD's should get money up-front and not only disbursments. After all, when you go to a solicitor, you have to pay up PDQ or they cease to be interested in your affairs. Why should body disposal be a thing that ends up as long acsess to credit at someone elses expense?
I have watched from the wayside and seen people do the 'credit' thing and ultimately refuse to pay for a funeral. What the bloody hell do you do as a Funeral Director? You can't un-bury the dead or confiscate the ashes, you'd end up being seen as a no-good-fellow. Trust is a dangerous game in these money short times.
Get the punters to pay beforehand I say!
Get the dosh up-front and if they haven't saved up enough for the funeral they think they deserve, then they have to have the funeral they can actually afford.
Bring back paupers graves and shrouds....
fair play all round.
Time for a reality check?
Getting a bit carried away there, Antler! And we remind ourselves that it is the undertakers who have brought this bad debt thing on their own heads by supposing they belong to some sort of sub-priestly caste. It is they who have have extended credit instead of treating the funeral arrangements as what they are: a business transaction.
I'm interested in your cultural (I suppose it is) reaction to the idea of a crematory.
And I hope that you recognise that I went out of my way to defend undertakerly profitability. Undertakers are not the proper targets of people wanting cheaper funerals.
Lovely to hear from you, as always!
Ah Charles, you devil, tempting us into commenting with your outrages. You know your Thomas Lynch as of pat as I do; a funeral without the body is as unthinkable as a wedding without the bride. Otherwise it is a memorial service, something very different. Crematoriums need to be radically re thought, and in completely the opposite direction to some centralized, industrial warehouse. Where are the Frank Lloyd Wrights when you need them, the Christopher Wrens? Resommation or Promession holds the key, or flaming pyres, or towers of silence.
Not enough vultures for Towers of Silence.....tho Charlie is trying to make The Funeral Directorate inc into the predatory birds...we could get cannibalism as an option.....
Punters aren't that stupid - they get what they think they ought to have - what grandad had - and that is why it is such a slow and painful excercise to reform the 'industry'. Education is a slow trickle down event.....pyres and shouting just puts 'em orf.
Promessa has seemingly lost it's promise and Resommation is possibly just a body flushed down the drains.......who knows, we need something!
We ought to ask Mr Lynch - he is a wise one. But does he do building design?
He does a mean -- what was it, golfatorium? Who the heck did I lend that book to...?!
Antler, you are clearly not aware of the successful spread of our native Buzzard!
Dear Charles, I've tried to find wise or useful comment on the bigger issues - those that roused Ru and Antler et al.
But, if I'm honest, it seems a bluster of hot air to me, perhaps having just returned from a few days away from the 'dismal trade' and its concerns.
Right now, I really do think that it's the toilets that need attention, as you so brilliantly suggest.... heating, mirrors, decent lighting that flatters, a picture or two for god's sake! ...... hard won, day to day improvements in systems and atmosphere and facilities; finding ways for candles to be allowed in more crematoria (check Cheltenham's policy!) for example.
Change in the products on offer will come - commercial enterprise and ambition says it has to.
Changes in the culture will come, I suspect, from folks being encouraged to re-own their closest deaths, and being given respect while they - and we 'professionals' - blunder about trying to re-invent our relationship with this end of life.
Wishing you wonderful, blustery times by the sea this week.
James Showers
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