Support for bereaved people in poverty needs reforming, urge charities
Together for Short Lives, as a member of the Funeral Poverty Alliance, has written to the Minister of State in the Department of Work and Pensions, Baroness Altman asking her to meet with us to discuss reforming the Social Fund Funeral Payment (SFFP) and look at the wider problem of funeral poverty.
The cost of funerals has now risen above inflation for the past 35 years, with a cumulative increase of 300% in the last 20 years. This compares to a 150% increase in the Consumer Price increase and a 150% increase for median earnings. The high cost of funerals means the growth 'funeral poverty', with many on low-incomes finding it increasingly hard to pay for funerals.
In the letter to Baroness Altmann we suggested how the Funeral Payment could work better for bereaved people on low incomes. When the Payment began it was intended to cover the overall cost of a simple funeral, but over the last 12 years the value of grants awarded has been dramatically eroded in real terms. This leaves a financial shortfall, pushing bereaved people on low incomes into unmanageable debt which they often have no means of paying off.
The average award in 2014-2015 was £1,375, which covers around a third of the cost of a basic funeral. During the same period nearly half of all applications were turned down. Although in 2014-15 32,000 payments were awarded worth about £44 million, the amount spent on the Funeral Payment has only increased around £2 million since 1988.
We made the following recommendations to Baroness Altmann:
- Policymakers in England, Wales and Northern Ireland to follow the lead of the Scottish Government and conduct a cross-departmental inquiry into the underlying interrelated issues that are causing funeral inflation including; pressures on local authorities, the use of burial space and the privatisation of crematoria and burial grounds.
- A full and fundamental review of the SFFP as part of a wider review of financial support for those facing bereavement.
- A review of the SFFP response times. Currently the DWP has a target of 16 working days to process applications (currently achieving an average of over 17 days) but for client of Down to Earth, applications currently take around 30 days to process.
- A review of the SFFP application process whereby a receipt can be sent upon application – frequent “lost” applications cause particular pain.
- A review of the SFFP application process whereby applicants are given eligibility checks as to the likelihood of payment. This would save pain to the bereaved and significant time and money saving to the DWP.
- Policy makers in England, Wales and Northern Ireland to take account of the experience in Scotland where the removal of a necessity for additional medical certificates for cremation has resulted in the differential between burial and cremation costs being reduced.
- Wider funeral industry participation in the Fair Funerals pledge asking funeral directors to provide clear, comparable prices so people know what they’re buying. It also asks them to make their most affordable funeral visible to the public.
We hope Baroness Altmann will respond to our letter and explore what can be done to make life better for bereaved people on low incomes trying to arrange a funeral.
Here is a full list of Funeral Poverty Alliance members which was sent to Baroness Altmann alongside our letter:
Age UK East London
Age UK Kensington and Chelsea
Association of Bereavement Service Coorindators
Association of Palliative Care Social Workers
Bereavement Care Services
Child Funeral Charity
Child Poverty Action Group
Childhood Bereavement Network
Christians Against Poverty UK
Church Action on Poverty
Church of Scotland
Citizen's Advice Scotland
Cruse Bereavement Care
Faith in Community Scotland
Improving Outcomes in Money Advice
London Churches Social Action
London Community Credit Union
National Bereavement Alliance
National Council of Palliative Care
North London Credit Union
Presbyterian Church of Wales
Quakers in Britain
Quaker Social Action
Royal London Group
Scottish Bereavement Hub
Scottish Council for Palliative Care
St Helens CAB
St Joseph's Hospice
Together for Short LivesTogther Creating Communities
Tower Hamlets Interfaith Forum
University of Bath
University of York