If there’s one thing that can put an unexpected dent in the household budget, it’s paying for a funeral. A new study by Finder shows that the average cost of a funeral in Australia ranged from $6,131 (Canberra) to $7,764 in Perth. Of course those who can afford it and deem it necessary pay $20,000 and more for a formal send-off.
Finder’s Money Expert Bessie Hassan says one in five Australians don’t have enough money set aside to cover a $500 setback.
“So if an unexpected death of a family member does arise it could cause significant financial stress.”
Finder analysed Funeral Planner’s survey of some 2,000 adults, which showed that 60% of Australians either haven’t thought about their funeral costs or are expecting relatives to foot the bill. The other 40% have probably gone the whole hog and pre-paid for their funeral, and/or the cost is covered under a life insurance policy.
Invocare, a listed company, owns major funeral businesses in Australia including Simplicity Funerals, Guardian Funerals and White Lady Funerals. Invocare’s 2015 annual report shows it has $422 million in funds under management, derived from pre-paid funeral contracts.
Trends are emerging that show a growing number of Australians are seeking out practical and affordable funeral offerings. Invocare found that more clients were choosing direct ‘committals’ without requiring a traditional funeral service. The other popular choice was to combine a church service with a committal service at a cemetery or crematorium.
There is growing demand too for “Green Funerals” which shun embalming and use biodegradable coffins or shrouds. This seemingly morbid topic reminded me of the darkly comic TV drama, Six Feet Under (2001-2005). SFU explored the dysfunctional lives of a family of undertakers. Every episode would start (spoiler alert) with someone dying (the essential plot element, in that it supplied the necessary corpse). After a season or two, the writers got better at building suspense so the by-now predictable death would still come as a shock, as the person who would soon pop his clogs succumbed to unlikely events including a lightning strike.
I’ve been to a few unconventional funerals/memorial services in recent years. There were a few where the body was cremated in a private family service then the ashes scattered later in a more public forum. A couple of memorial services have been held in locations loved by the dearly departed. So no coffin or wreaths, not even an urn with ashes. People whose loved one had gone to meet their maker spoke passionately and fondly of them. On one or two of these occasions, God never got a mention, nor did Buddha or Allah.
This trend may have something to do with the 30% of Australian who profess to be irreligious. In the 2016 Census (6.93 million people) described themselves as having “no religion”.
My old Scots Dad was fond of saying (apropos of dying) “Och, just roll me up in a carpet and put me oot with the rubbish.” You probably have friends who say similar things, often bracketed with “if I get dementia just put me out of my misery.”
In practice this rarely happens. When the time came (1991), there was a wee church service and a piper played Over the Sea to Skye. Dad’s ashes were inserted into a memorial wall at the local crematorium, next to “Winnie” who died in 1966.
Don’t ask me what it cost because (typical family experience), everyone is so distressed at the passing that they surrender to the blandishments of the dark-suited undertaker.
The plot thickens
The argument against burial is increasingly to do with the finite supply of burial plots. Local governments are understandably reluctant to offer land to be locked up for perpetuity. Burial plot prices have increased dramatically in the past five years, as a result of pre-paid contracts. In Sydney a plot can cost between $4,000 and $52,000.
Nevertheless, She Who Has a Plan wants to be buried and has a burial site in mind. As always, she is more organised than me. I have a will but there is no fine print about what happens to my mortal remains. Whenever cremation is mentioned, I mentally replay that scene in the Coen Brothers cult movie, The Big Lebowski. John Goodman’s character Walter Lobchak, accompanied by The Dude (Jeff Bridges), climbs to a windy clifftop, ready to distribute his friend Donny’s ashes.
(video contains expletives)
More than 50% of Australians who die are cremated, with more people choosing direct cremation. This means you pay only for the body to be disposed of: there is no service and nobody in attendance when the mortal remains are set alight. Later, the family may hold a memorial service, usually in a place that held significance for the departed.
In Australia, a direct cremation starts at $1,500, though most pay around $2,900. That’s considerably cheaper than a burial organised by a funeral director. Just so you know I did some homework on this, it is legal to scatter ashes at sea or on land (with provisos). If you scatter ashes on private land you need the permission of a landowner. Ashes scattered at sea must be dispersed beyond the three-mile (4.82 kms) limit. If you are scattering in a state forest or national park, you need permission.
Some of the information in this essay was gleaned from this website which has a searchable tool on its website where you can shop around for the cheapest funeral option (if that is what you want).
A thorough investigation last year by Choice magazine left few coffin lids closed. This article by Allison Potter is available online
Choice answers the most obvious question; do you have to engage a funeral director? Choice could not find a law that says you have to, although you will find advice to the contrary. Laws differ from one jurisdiction to another, but it’s best to disbelieve those who say it is legal to bury Aunt Bridget near her favourite peach tree. In theory, a DIY back yard planting is possible, but only if the private land is larger than 5ha and the local Council agrees. In any event, burying a body changes the zoning to cemetery. Your neighbours may not be impressed.
This is an ex-parrot
Monty Python’s euphemism-laden sketch aside, Six Feet Under remains the benchmark for kick the bucket humour. From the opening episode to the ‘we’ll all go together when we go’ finale six series’ later, SFU set out to test the boundaries of many taboos. It is full of dark one-liners about the different ways individuals manage grief.
One fine example (from a list compiled by www.pastemagazine.com) comes from episode one. Ruth, matriarch of the Fisher family, flings Christmas dinner to the floor on hearing the news of her husband’s abrupt demise.
She tells her son Nate: “There’s been an accident. The new hearse is totalled. Your father is dead. Your father is dead, and my pot roast is ruined.”
You will note that, despite the show’s title, Ruth does not employ any of Wikipedia’s 128 euphemisms for death (obscure ones include Ride the Pale Horse, Tango Uniform, Hand in One’s Dinner Pail, Wear a Pine Overcoat and Assume Room Temperature).