They’re on Targets!

By Andrew Hickson, independent funeral director in St Neots, Cambridgeshire, first published on his blog http://stneotsfuneraldirector.blogspot.com on 22nd June.

I sat with a client earlier this week, arranging his wife’s funeral. We built up a rapport during our short time together, and as part of making the arrangements I gave the gentleman an estimate of the funeral expenses, as always. He was pleasantly surprised, I’m pleased to say.

I asked him if he minded telling me why he had chosen Kingfisher Independent Funeral Services as his Funeral Directors. He liked the fact that we were completely independent. He liked the fact that we weren’t part of a chain. He liked that fact that we didn’t trade under the name of an old business in the town.

But most of all, and this surprised even me, he liked the fact that we weren’t on targets. He couldn’t understand how a Funeral Director could be “on targets” – so I told him. You remember when we talked about a coffin? I suggested the cheapest in the range because it’s for cremation? You remember when we mentioned Service Sheets? You said you weren’t keen, so I left it at that?

A couple of years ago, I applied for a job as a manager with one of my local competitors. The job description had the word “target” in it, and I knew straight away that the job was not for me. I didn’t even go to the interview.

This is what distinguishes the small Independent Funeral Directors from the Corporate ones, and word is evidently getting out. Of course, the Corporates like to call it ‘Added Value’ to their clients, but in reality, it is ‘Added Income’ to their Directors.

They incentivise their managers with targets, so of course these managers have to ensure their staff are pushing services which may be unnecessary or extravagant.

It saddens me that clients have experiences where they feel they are forced to spend more than they need to, and that a funeral is seen simply as a commercial transaction rather than the emotional journey of which it should be part. Yes, I’m in business, so of course there is a commercial element to what I do, but I certainly don’t believe in upselling at any time, and I was very proud to receive a testimonial recently which stated “There was absolutely no pressure to go for expensive options. In fact [Andrew] recommended some of the least expensive!”

A couple of days ago, a comment was left on the blog, agreeing that services shouldn’t be ‘pushed’ but that they should be offered so that clients are aware of them. I agree whole-heartedly with this: it’s the same as letting every client know, for example, that there are alternatives to religious ceremonies or standard coffins available.

The difference between offering and pushing is clear. Put me on targets and I’ll probably cross the line between them. That’s why I’m so happy being independent.

Down to Earth: Recruiting Volunteer Mentors

Any Londoners interested in this excellent initiative?

Down to Earth, Quaker Social Action’s exciting new funeral support project, is now recruiting volunteers to be trained as mentors for the east London area. Mentors will gently support bereaved people on a low income as they deal with the funeral planning process. They will enable and empower individuals to deliver an affordable but meaningful funeral without experiencing financial crisis.

If you are interested in a challenging but rewarding volunteering opportunity that can make a real difference to someone at a time of need please read the following briefing and contact Russell Ogston on email: russellogston@qsa.org.uk or telephone 020 8983 5055 for a volunteer application pack.

 

Tell them fully and tell them clearly

Regular readers of this blog will know of Teresa Evans and her campaigning work. If you don’t know Teresa, have a look at her website.

I’ve always admired Teresa. She is an ordinary person possessed of extraordinary singlemindedness, tenacity and passion. She is also very nice.

Teresa campaigns for better, fuller, clearer information for the newly bereaved. Had she known what she knows now, she would have done things differently when her son Boyd was killed in a car accident.

Teresa has dogged various ministry officials with probing questions and demands for years – often fruitlessly. Now she has just chalked up a great victory. Working with her local MP she won, last night, an adjournment debate in the House of Commons.

One part of this debate in particular interested me. I had always supposed that beneficiaries of a Social Fund funeral payment had no exclusive rights to a grave – that the grave they were given was a pauper’s grave, and anyone else could be buried on top. It turns out this is not the case at all. The Social Fund can be called on to pay for exclusive rights, it’s just that no one has ever been made aware of this. Teresa has secured a pledge that, in future, all applicants will be told.

Another conspicuous feature of this debate is the courtesy accorded to Teresa. A great many in the funeral industry regard her as vexatious and tiresome. It is good to see her accorded respect and gratitude.

Here are some extracts from the debate. The bold is mine.

Iain Stewart (Milton Keynes South) (Con): I sought this debate following a direct request from a constituent of mine, Ms Teresa Evans, who contends that she was not given good advice following the tragic death of her 20-year-old son, Boyd Evans. I have raised the issues with the Minister via correspondence and written parliamentary questions, but they have not been dealt with to my constituent’s satisfaction, which is why I wish to raise them on the Floor of the House.

I should say at the outset that my constituent is not seeking personal recompense for her situation, but rather wishing to prevent similar problems being encountered by others. Newly bereaved people can be responsible and in control only when they are afforded sound information to make well-informed decisions.

Let me start by providing the background to the case. Teresa Evans’s son, Boyd, was killed as a result of passenger injuries sustained in a car crash in Staffordshire-some distance from his home in Milton Keynes-in 2006. Quite apart from having to deal with the emotional trauma of losing her son, my constituent also had to deal on her own with the practicalities of the funeral arrangements. She is a lady of very modest means. She had no money when she lost her son, so applied for a funeral payment and overdrew at the bank to provide a funeral. In her own words:

“It wasn’t a lavish funeral but a dignified one. In terms of distance and the cost per mile allowed from the social fund payment, I could not claim a total refund for the fee to return my son back to Milton Keynes from where he died in Staffordshire. The inescapable charge was £220, but despite an appeal to the DWP I was only paid £170. This left a shortfall of £50”.

However, she later found out that despite her son undergoing a post-mortem, she was within her legal rights to collect her son in her own vehicle and would have done so had she been aware of this at the time.

My constituent was also informed by the undertakers that the cheapest coffin available cost £680. Subsequently, she found that she could have bought the same coffin online for considerably less or buried her son in a shroud, which she had the legal right to do. In addition, had someone told her that she could still claim a funeral payment without using an undertaker, she would have done this, especially because she claims that the undertaker misled her with false information resulting in her not being able to return her son to his home to lie in wait for his burial. She would have done all these things had she been aware of her legal rights. This has led to her creating a campaign for the rights of newly bereaved people to be made known to them in sudden and unexpected circumstances.

Four years after her son was buried, my constituent discovered that no one had informed her that she could have recovered the fees for the burial rights to her son’s grave within three months of the funeral. If the system had worked properly, she would have received an additional £304 for the burial rights. Consequently, she was forced to surrender her life insurance policies to buy the burial rights, and she feels aggrieved that no one is held accountable for this action. She believes that the Department for Work and Pensions is overly reliant on the funeral industry to provide guidance to the relatives of a person who has died, specifically on what fees can be recovered. She claims to have evidence that proves that undertakers point applicants of a funeral payment to Jobcentre Plus for guidance. In addition, she claims that the National Association of Funeral Directors had no knowledge of the most technical information in existence-the DWP booklet SB16, which the Minister has stated is the most comprehensive guide. That this piece of literature is known only to some professionals would suggest that the bereaved may often not be aware of the full extent of their rights.

My constituent has also commented to me that a bereavement charity, the Alice Barker Trust, identified the same problem a long time ago. She is calling for much clearer guidance to be made available on the options open to relatives, particularly given that they will be in a highly emotional state. As the literature for the applicant may only be understood by those with technical knowledge, it needs to be written in plain language more readily intelligible to anyone. At present, the DWP relies upon undertakers to explain the rules to eligible claimants, resulting in the sort of problems experienced by my constituent. This generates unnecessary mystery and dependency, when we should be promoting education, self-help and self-reliance. A very simple and no-cost solution would be to amend the available literature in both print and online formats, making obvious what fees can be paid by the DWP in relation to the funeral, costs for opening the grave and burial rights for a fixed number of years.

I have already raised Teresa Evans’s case and her request for action with the Minister, but she has been dissatisfied with the response and with what she claims to be a lack of urgency in addressing the situation. She has therefore asked me to pose the following questions to the Minister. First, can he state, from records for the last financial year, how many claimants received payments for burials and what proportion of that number also received payments for what are technically known as burial rights, so they did not use what are known as pauper graves? Secondly, will the Minister consult the Alice Barker Trust to revise the wording of the advice that the DWP produces for printed, internet and other information? Thirdly, does the Minister agree that had the wording suggested by the charity been used before Boyd Evans was killed in 2006, his mother would have received her full entitlement to a funeral payment and would not have had to cash in her life insurance policies to cover the burial rights to her son’s grave? Fourthly, when it comes to the big society and developing strong communities, does the Minister agree that it is essential to empower all claimants in order to help them act independently and responsibly?

Nothing can bring Boyd Evans back, but his mother is hoping that her experience will result in the Department for Work and Pensions learning lessons, so that others do not encounter unnecessary emotional turmoil and financial hardship.

The Minister of State, Department for Work and Pensions (Steve Webb): In response to this debate being called, I have looked at my hon. Friend’s constituent’s website. As he well knows, her tragic circumstances and the death of her son five years ago led her to campaign on these issues. She has her own website, which I have looked at today. I pay tribute to her for the way in which she has sought to turn her tragic circumstances into something more positive, so that others do not have the same difficult experiences that she did in dealing, as I understand it, not just with funeral grants and the DWP, but with a range of other public bodies and organisations. The way Ms Evans has pursued the issues over the following years is enormously to her credit. I hope that I can offer my hon. Friend some reassurance this evening that that campaigning has led to changes, and that the situation that someone who has been bereaved now encounters is a good deal better than it was five years ago. Clearly there is always room for improvement-we will continue to look at that-but we have made changes even this month in response to the points that his constituent has raised with us, which I will set out more in due course.

… … …

We, the DWP, will pay in full the costs of a cremation or burial, including the purchase of a grave with exclusive burial rights. That is a point to which I will return, because I know that it was important in Ms Evans’s son’s case, and it is something that might not have occurred to any of us unless we were faced with that situation. I can well imagine that it must have been very difficult to discover some time after she had buried her son that she did not have exclusive burial rights. I fully accept that we must ensure that that situation does not arise again.

… … …

The information and guidance that goes to relatives is at the heart of the issues that my hon. Friend has raised. In Ms Evans’s case, the information that came to her from the funeral director was incomplete, for whatever reason, and led to her making choices that, had she been fully informed, she would have made differently. I have made some inquiries into where the right information should come from, and the key is the fact that, on becoming bereaved, the family or its representatives will register the death. That is the point at which we aim to ensure that people get the relevant information. We will not have to rely on funeral directors to provide it. Indeed, there might not be a funeral director involved. The Government as a whole want to ensure that the information gets through to people at the point at which they register the death.

This is already being rolled out more or less nationwide, and we will continue to develop this “tell us once” service. The idea is to allow customers to report a birth or a death to multiple central and local government departments, agencies and services just once.

My hon. Friend raised the issue of forms and paperwork. I can tell him that this month, in response to some of the points that his constituent raised with us, we have made a number of changes to the claim form for the funeral grant. Let me briefly run through them, as she would be interested to know what those changes are.

There are two documents. The first is a note sheet that accompanies the funeral payment application, and we have made three changes to it. On page 6 of the form, we have added a bullet point that says people can send “evidence of the costs incurred if the funeral arrangements were made without using a funeral director“.

That is one of Ms Evans’s points – that people do not always realise that they do not have to use one and do not always realise that they can get their costs reimbursed if they have not used one. We have made it explicit that evidence of costs can be provided if a funeral director has not been used.

The third change we made to the explanatory notes is in the bullet point list of what can be included in the funeral payment. The second bullet point refers to “the cost of opening a new grave and burial costs”, and we have now added “including any exclusive right of burial fee“.

… … …

Ms Evans faced a very difficult and tragic situation five years ago, which was not helped by her dealings with the Department for Work and Pensions or other Government bodies. I pay tribute to her for taking the issues forward in such a constructive way, and I hope I have reassured my hon. Friend that we have listened and responded.

Read the entire debate here. Watch the debate here.

 

Exclusive! Dover undertaker achieves UK first.

I was going to blog today about the public meeting at Redditch town hall to debate the contentious matter of whether or not the crem should be used to heat a nearby swimming pool. I wanted to give you a blow-by-blow account. But in the event it was a non-event. There were perhaps thirty people there. We listened to cogent presentations. We heard how the council has received messages of support from all over the world and even been approved by 90 per cent of Daily Mail readers. A ‘Christian’ stood up to protest, but he wasn’t a representative Christian, he was an oddball. And that was that, really. The peaceable, pragmatic and eminently sensible citizenry of this lovely Worcestershire market town were unanimously in agreement. A most satisfactory anticlimax.

Instead, let me tell you about something else.

Paul Sullivan recently set up on his own in Dover. Always a brave thing to do, open for business with all the established undertakers glaring at you — or worse, chuckling. Business is notoriously slow to begin with (“Forty in the first year would be nice,” they all say) but Paul has bucked that by offering a low cost funeral, keeping his prices transparent and generally being an exceedingly nice fellow.

He has now achieved a UK first. Using his website you can price your funeral before you even go to see him. You can spend time doing it, think about the sums, change your mind and try again. You simply go down the list checking the items you want, and it adds it all up as you go — a bit like being in a taxi only more alarming.

I think it’s brilliant. And I can think of reasons why other funeral directors wouldn’t dream of having one of these on theirs (if they’ve got one)(a website, that is).

Have a play with it. Find it here.

What do you think?

Bad gets worse

Once in a while you read something which doesn’t just confirm your instinct, it informs it. That happened to me bigtime today. Blogger Viridis Lumen has a post on this very sad story. The undertaker at the heart of this heartless event was our old friend Dignity plc, the company spawned by the vile, scandal-ridden Service Corporation International.  And this is what Viridis Lumen has to tell us about plc’s:

Under corporate governance law, including after New Labour’s botched reforms in the middle of the last decade, PLC’s have one sole objective – to maximise the financial return for their shareholders. Any deviation from this by their Officers potentially breaks the law.

In his book and film, “The Corporation”, Joel  Bakan explores the legal fiction, common to most of the western world, that allows PLC’s to claim the same legal status as human beings – a PLC is an artificial or legal personality. This ludicrous state of affairs provides all manner of protection for the entity, including being able to claim the right to privacy in its dealings. It also shelters the actual real humans who own shares and benefit from its profits and dividends from any adverse legal and financial consequences from its actions. If it does not pay its suppliers, they are personally buy cialis taiwan immune from its liabilities. If it commits ecocide or manslaughter as a result of bad practices and is sued, they are not financially accountable if it cannot pay its damages. If its officers, driven relentlessly to maximise financial returns for their shareholders, break the law in doing so, it is they who face prosecution, not the often faceless shareholders whom they serve.

Here’s the big insight (my bold):

Consequently, Bakan characterises the Corporate Personality as essentially psychopathic in its essence – it operates in a totally egocentric, self-interested fashion without conscience or regard for the impact of its actions on individuals, communities, other species or the environment. Beyond those it needs to satisfy its insatiable demand for profits, it has no care for its staff and discards them as soon as they are surplus to requirements.

Though a plc may have working for it people who are altruistic, the same values can never be embodied by a plc: “as corporate entities, such benevolent behaviours would be quite inimical to their purpose.”

There’s a good story confirming just this over at the MyLastSong blog.

I’m sure there’s a case to be put in favour of plc’s. I hope someone will supply it.

Find the excellent Viridis Lumen here.

Coffins on the shopping channel

Newcastle undertaker Carl Marlow has, by his own accounts, been quiet for the last five years — busy building his business. For his fellow undertakers this was too good to last. Carl has never been one to take the view that the best way to achieve change is to work within the industry, and this is only one of a thousand reasons why the industry hates him. He’s a free radical and a bloody good servant to those he looks after. When it comes to offering choice he goes the extra mile: “You don’t have to have a hearse, you know. That’s two hundred quid you can put behind the bar afterwards.” I love Carl.

Now he wants to offer advice to cost-conscious, self-reliant funeral consumers and sell them coffins at affordable prices.  He says, in that disarming, conciliatory way he has: “I think funerals are a con. Too many people in an emotional frame of mind are paying too much money and there’s no need for it to be so expensive. It feels like a bit of a closed shop, and I’m trying to open it up a bit. We’re hopefully going to be putting coffins on shopping channels like QVC. We’re putting an application in and seeing if they come back to us. We’re not trying to be controversial. We’re trying to make coffins more of an everyday purchase and demystify the whole funeral process.”

Few people have done as much for the cause of death in the community as Carl. He likes to photograph his coffins, not in hushed and dignified surroundings, but in everyday contexts. He tells me he has raised eyebrows and smiles recently, carting coffins around the city, posing them against graffiti-covered walls and the like.

Having spent a happy half- hour on the phone to Carl I just had to tell you about it. The name of the new business is the Coffin Company. It launches any day. I’ll be sure to tell you when it does.

A job with QSA?

If you live in London you may be interested in this job. If you don’t, you’ll still be interested in what Quaker Social Action is doing. In its own words:

Quaker Social Action exists to resource, enable and equip people living on a low income in east London.

We work to tackle social exclusion, seeing poverty as not just material but also social.

We put people at the centre of what we do, striving to find practical and creative solutions to the problems which affect people living on a low income.

QSA recently started a new project, Down to Earth:

Very few people leave clear instructions or financial provision for their own funeral.  Down to Earth is developing support for people during this difficult time. We want to help order tadalafil online bereaved people to plan a funeral that honours and celebrates the life of the person who has died, but which will not have a negative effect on their own financial future.

We also agree with the Natural Death Centre, that “a preparation for dying is a preparation for living”.  We therefore want to find creative ways of helping people think about and discuss death before they have to.

We are now recruiting for a Down to Earth development worker.

The post will be a full-time, permanent position, based at Quaker Social Action at 17 Old Ford Road, Bethnal Green.

The post will be advertised in the Guardian on the 15th December 2010 and an application form is downloadable from our website:

http://www.quakersocialaction.com/index.php?p=15


Pot, kettle…

Here is a hubristic report from the Co-operative College in Manchester on a fact-finding mission from South Africa. The mission came hard on the heels of helpful research by our own, dear Co-op into the ‘exorbitant’ cost of funerals in South African townships.

A much needed reduction in expensive funeral costs could be on the cards for residents in South African townships following a visit to the UK by a team from South Africa. After a week studying co-operative funeral provision in the UK, they are planning to set up co-operatives in Johannesburg to provide an affordable alternative to existing undertakers.

Said Stirling Smith, International Programmes Manager at the Co-operative College (SA): “it was great that our South African visitors could see for themselves how a co-operative business can be commercially successful and ethical. I must also thank Funeralcare for the arrangements. Nothing was too much trouble for them and they were very generous with their time and resources.”

Good luck to them. A funeral in Soweto costs the better part of a year’s wages.

Over here, in the light of the recent Ipsos MORI price comparison survey, we find that there’s still plenty of room for an ‘affordable alternative’.

Read the Co-op announcement here. Who do they think they are kidding?

Quakers get down to earth

A couple of months ago I was contacted by Quaker Social Action and invited to a planning group whose remit was the support of people in London on low incomes needing to arrange a funeral. I wasn’t able to go, to my ire. Sue Gill and John Fox* were speaking. I’ve never met them.

The project is now up an running. It’ll be good to hear reports of how it’s doing.

Here’s the press release:

Down to Earth is an innovative new project which supports people on low incomes during one of the most difficult time of their lives: planning a funeral. Down to Earth gently navigates recently bereaved people through the funeral process and empowers them to arrange a meaningful, yet affordable .    Down to Earth can offer direct support from a team of trained volunteer funeral mentors. We can also offer advice and information over the phone, or through providing a free funeral resource pack, a simple and practical guide to creating a meaningful, but affordable send off. The mentors will support recently bereaved service users throughout the funeral process as needed. Service users will be allocated a mentor and can access and re-access the service at any point throughout the funeral process and beyond. A mentor will offer support with all aspects of arranging a funeral, providing unbiased, practical guidance so people can make the best possible decisions at this extremely difficult time.   

From Monday November 29th 2010, QSA will accept referrals from anyone who may come into contact with recently bereaved people on low incomes e.g. bereavement services, GPs, older people’s services, hospices, community centres and faith and community organisations. We can also accept self-referrals or referrals from friends or family members.

To find out more or apply to be a volunteer mentor: Contact Shaun Powell, 020 8983 5056, shaunpowell@qsa.org.uk or go to www.quakersocialaction.com/downtoearth

* Sue Gill and John Fox wrote the acclaimed Dead Good Funerals Book

funeralcomparison.co.uk

A reader has written to me to draw my attention to funeralcomparison.co.uk. Is it, he asks, a scam?

I’d not come across it before. If you go to the site you’ll find that it enables you to, in their words, “find the exact funeral requirements you require in-line with your budget. You can search from over 3500 independent funeral companies and you receive an estimated cost and what you services you would typically receive within 60 seconds through our site.

In your time of need it is the single location for you to easily find everything you need with regards to the funeral arrangements. Funeral comparison gives you the user the power to decide what you want, without having to ask the awkward questions like how much will it cost, we will break down the list of services you require and then you can choose the funeral director that best fits your needs.”

Well, it’s not the most literate website I’ve ever read, that’s for sure. What else?

“We deal with all Independent Funeral companies* in the UK as we feel the quality commitment empathy and care that comes from independent funeral companies is greater, and best for you in your time of need.”

I wonder what that little asterisk after Funeral companies means. It doesn’t seem to go anywhere.

I spent some time playing with the search box and came across all manner of Funeral companies that aren’t independent as we know it. Go to Bury St Edmunds, for example, and you’ll be directed to Fulcher and F Clutterham and Son. They are both branches of Dignity.

How is funeralcomparison making its money, you wonder? “We work closely with independent Funeral Directors and charge a small finders fee for the services we provide via our website.”

Enough. I’m out of patience.

Anyone got anything nice to say about it?