End of Life Planning Makes a Difficult Situation Much Easier

Posted by Colin Moore

One of the toughest challenges anyone can face in their lifetime is losing a loved one and then having to guess what kind of funeral and memorial service they would have wanted, also to try to locate important documents and find the answers to key questions.  But it does not have to be this way, by documenting our preferences and important details in advance of need, families can be spared making the difficult decisions of what to do next and avoid all of this uncertainty.

End of Life Planning is about thinking, discussing, planning and documenting the final event in our lives before it actually happens.  It should be a big part and a necessary part of any estate or financial planning service.  We cannot control how we die, but we can control how our finances will be managed, how our estate will be distributed, the sort of funeral we would like and what arrangements or messages we would like to leave behind for our families.

The worst time to plan a funeral is when someone has died.  You only have an average of twenty-four to seventy-two hours to make all the arrangements, while also dealing with the emotional impact of the loss of a loved one.  So, making difficult decisions which cannot be undone when you are overcome with grief is not the best time.

Making an End of Life Plan allows you to make extremely important decisions through a calm and clear thought-out process. In other words, it is much more likely that you will make more rational and logical decisions. This helps to ensure your funeral wishes and other family matters can be arranged in a more meaningful way, and the way you would have wanted.

Most people don’t know how to begin planning for life’s ending.  But for everyone who has made a Will they have already taken a step in the right direction towards pre-planning their future  wishes.  The problem is, this form of planning alone fails to address their family’s immediate concerns between the time of death and and in the crucial days thereafter leading up to the funeral when major financial decisions have to be made.   

The key to effective end-of-life planning is not to race through filling out legal documents but to take the time to understand the full scope of what is involved in putting our entire affairs in order and to seek out solid information on each topical area.  Then we can fully embrace the whole process.

Although an End of Life Plan will not completely alleviate the emotional and financial pressures people will face, it will certainly help them reduce or eliminate many of the most stressful decisions, pressures, and expenses, and ultimately help ease the pain of a very difficult situation.

Colin Moore is founder of The Funeral Consultancy and regularly provides courses and seminars on Caring for The Bereaved and End of Life Planning.

ED’S NOTE: We are huge admirers of Colin here at the GFG. Goodness knows how much money his work has cost him (we know how it feels, Colin!). He is motivated entirely by a desire to be useful and helpful. Do check out his website. He has been tenacious and he has persevered. At long last his work is gaining official recognition in Leicestershire and, what’s more, financial backing from Big Society coffers. Colin, we salute you.  

The view below the radar

An article in the Times dated 15 July, based on an interview with Mike McCollum, ceo of Dignity plc, offers one or two (no more) features of interest.

His definition of an undertaker?

“We’re event organisers,” says McCollum. “We arrange a family event for you on very short notice, which you wish you didn’t have to arrange.”

He adds:

“And, on the day of the funeral, we’re the master of ceremonies. The funeral director makes sure everything goes exactly to plan, to the second, and hopefully makes sure everybody, in an unfamiliar situation, knows where to sit and where to go.”

He doesn’t say if he regards this model as eternal, nor whether he is aware of trends towards empowered mourners who take a different view of the brief of a funeral event planner.

Concerning the travails of his reassuringly inept rivals, ‘Co-operative’ Funeralcare, he is defensive of the hub model and reckons “it’s time people accepted some home truths”.

“The definition of a mortuary is a place where dead people are kept. When people die and they can be in different conditions. You need specialist refrigeration, specialist conditions. You’d expect them to be clinical, to use stainless steel equipment, to be easy to clean. They’re not necessarily going to be nice places to be.”

Hmn.

By way of assuring Times readers who are also Dignity shareholders, the article points out that Dignity’s market capitalisation has risen from £180m to £446m and the share price from 230p to 810p. The writer does not detect the present injurious effect of underfunded funeral plans. Nor does he point out Dignity’s Achilles heel, its high prices, vulnerable, in an increasingly price-conscious market, to consumer scrutiny. Nor does he question Dignity’s policy of brand omerta, a remarkable stance for an outfit in the event-planning business.

Would you buy shares in Dignity?

Source (paywalled)

I have seen the future and it doesn’t work

The ability to transmute base metal into gold is a very neat trick. So neat, in fact that, as the record shows, it has never, for all the perspiration of the world’s best brains since the dawn of time, been accomplished.

The reverse is very much easier, and this is the specialism of today’s alchemists – or capitalists, as they have rebranded themselves. Turning hard-earned wages into shit is the specialism of the financial services industry. A forked-tongued charmer wheedles good money from decent folk, pours it into a financial product and hey presto! Shit!

Today’s Telegraph has this advice to investors in Dignity by stocks and shares pundit Questor. Sell.

Sell? Why? Questor cites another pundit, Franc Gregor of Charles Stanley:

“We continue to be concerned about pre-arranged funerals and whether these are truly assets in the form of future potential funerals to be performed, or liabilities in the sense that funding may not match the sums needed to perform these funerals at suitable profitability.”

Yes, Dignity’s pre-need plans are beginning to look decidedly sub-prime, a bad bet on nobbut a bubble. Bad cess to them and may they rot, etc. Doubtless, at Dignity HQ, the hushed talk is all about cost savings, the new term for shit service.

We hope this will act as a warning to all those who might be tempted, on a reckless impulse, to buy something too good to be true. We hope that Age UK, registered charity, will think again about offering this potentially shoddy product to the trusting  public.

Should my views lack balance, ye are hereby to declare it.

Telegraph piece here.

 

Age UK Funeral Plans

4 King Edwards Court

King Edwards Square

Sutton Coldfield,

West Midlands B73 6AP

Dignity Funerals Ltd,

4 King Edwards Court,

King Edward Square,

Sutton Coldfield,

West Midlands, B73 6AP

They want my reply. What should I say?

Good morning,

I have been admiring your website and would like to enquire about the possibility of having Staysure Prepaid funeral plans listed on your website.

Staysure.co.uk established in 2004, achieved 8th position in the recently published Sunday Times Fastrack 100 list.

Staysure has teamed up with Dignity to offer the Guaranteed Funeral Plan to offer a practical and sensible way to take care of rising funeral costs and arrangements.   Because the Guaranteed Funeral Plan is provided by Dignity, the UK’s foremost provider of funeral plans, you can be sure that you will receive unrivalled service and excellent value for money. More than 750,000 people in the UK have buy cialis johor bahru already taken the decision to pre-arrange their funeral, and it is reassuring to know that 415,000 of them have chosen Dignity.

I wondered if you would be interested in joining the affiliate programme and making additional revenue.

The affiliate program is free to join and there is no monthly fee. The scheme offers a high commission of £15 per valid lead and this will be dependent on the number of sales achieved. Obviously the more sales, the higher the commission our partners will earn.

Please view our website for more details http://www.staysure.co.uk/affiliates .

I look forward to your reply.

Claire MacIntyre
Online Marketing Manager
Staysure.co.uk Ltd.

Endgame

Interesting, isn’t it, how myopically self-absorbed people become when glancing forward to their demise. “Stick me in a binbag and put me out with the rubbish,” they say, men mostly. It’s right up there now in the top ten death clichés alongside “He’s gone to a better place,” “It’s only a shell,” and “She will be missed” – that passive verb really bugs me. (Do people really say to the parents of a dead child “You can always have another one”?)

Ask people who want to be bagged and binned if that would be good enough for their closest family members and the tune changes bigtime. But it doesn’t change the way they feel about themselves. “Nope, stick me in a binbag,” they conclude with ne’er a thought for the feelings of those charged with the bagging and binning.

Some of these people have made wills. It’s not as if they’ve completely suspended all consideration for others. And you can see why they might feel this way. It’s an existential chess move. Reaper G negates you: you negate him. Neat. Where grave thy victory?

Except that it’s not actually a plan, it’s just braggadocio. Hot air.

You could argue that we’ve become so individualistic, so narcissistic, that we have no interest in making plans for any party we shan’t be able to attend, but I think that’s wide of the mark.

The point is that this zero sum approach to corpse disposal is stupidly unhelpful. This is something you can only plan in collaboration with, and in deference to, those closest to you because, dammit, they’re the ones who are going to be lumbered with your deadweight. If ever there’s an event which requires us urgently and sensitively to give precedence to the feelings of others, this is it.

Why do our funeral plan designers not stress this? Well, it would complicate things, wouldn’t it? It would mean that people would have to talk about it, which they wouldn’t, the plan would never get written, nor (here’s the point) the accompanying cheque.

Over in the US, where they’re ahead of us in funeral trends, Funeralwise.com, a funeral planning website, has just published a survey which reveals that a startling 31 per cent of Americans don’t want a funeral (a figure that rises to 37 per cent for the over 75s). Bad news for undertakers, perhaps. Far worse news for families. As Funeralwise.com co-founder Larry Anspach rightly points out: “At the very least, families need to discuss their funeral preferences. Its okay to not want a funeral, but have you considered the impact on family and friends?”

See the full results of the Funeralwise.com survey here.

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?

Lovingly Managed responds to its critics and doubters

When I wrote this post I guessed what the responses were likely to be. The funeral industry does not like to be interloped. Catherine Corless of Lovingly Managed has posted the following comment and, for fear that you might miss it, I am re-posting it here:

Well, we do seem to have ruffled a few feathers although, having said that, it was encouraging to see some positivity filtering through the fog of suspicion and cynicism. We did wonder about replying, as we don’t want to appear defensive – we’ve got nothing to be defensive about  – but in the end, in case people are reading this and getting what we consider to be the wrong impression of us and our business, we felt we would address the points you have all raised.

In response to Rupert Callender

In our funeral package ‘much’ of what we do is not, in fact, done by the funeral director – they don’t register the death, many don’t arrange the venue and catering for any post-funeral hospitality, they don’t ring relatives and friends to inform them of the death or write thank you cards for flowers and donations. (By the way, this isn’t an accusation against funeral directors, just a statement of fact.  The point is, we pick up where the funeral director’s service generally ends).  So yes, ‘some’ elements of our funeral package may be undertaken by the funeral director, or may not be, but ‘much’ is not. When my father died, the funeral director did indeed organise the flowers but I don’t recall them offering to arrange the design and printing of the Order of Service. This is why we have given people a choice in this respect, as we anticipate that flowers will be the remit of most funeral directors whereas the Order of Service is less likely to be. And if the funeral director takes care of both, then, as we state, very clearly, people can request alternative services as part of their package or just ask for them to be removed and we will reduce our price accordingly. The last thing we want to do is create additional costs for the bereaved.

Having said that, if people want additional help that isn’t available from their funeral director, but is provided by us, and they are happy to pay for that extra help, why shouldn’t it be available to them? When you set up your business in 2000, as you state on your web site, what you wanted was ‘to offer an ecological alternative to traditional funerals’. Good for you. You wanted to give people choice. So do we. And you know, somewhere back in the mists of time, when some bright spark decided to relieve people of the task of having to bury their own by offering to do it for them for a fee, I wonder if he was accused of being surplus to requirements and creating an unnecessary expense for the bereaved. After all, up to that point, people must have managed perfectly well without the services of a funeral director. But obviously people wanted this service and were prepared to pay for it because look where we are today.

I take issue with the brick-bat that we are ‘advertising’ for franchisees on our web site; I must have missed the ‘Buy A Franchise NOW!!!” banner in bold, black type on a luminous yellow background. Yes, we have a ‘Franchise opportunities’ tab on our home page which, if people are interested, they can access.  Most commercial organisations have a ‘Vacancies’ page on their web sites. We see our ‘Franchise opportunities’ page as no different to this.

You state on your web site that “we were moved to become funeral directors through our beliefs and experience of bereavement and its aftermath”.  All of us at Lovingly Managed, although our business has gone in a different direction to yours, are in our business for exactly the same reasons as you are in yours.
It is not only the next of kin that can register the death. See http://www.direct.gov.uk/en/Governmentcitizensandrights/Death/WhatToDoAfterADeath/DG_10029642
Finally, I’m pleased to hear that you like many of our other services aimed at the elderly so thank you for that.

In response to Jonathan

Below are two quotes which I’ve lifted from Rupert Callender’s web site:
“……thank you, you’re providing such a very special service to people – special because of the love you give to all you do and that love works its miracles.”

“The process of death has often paradoxically been linked with that of birth. I can see those links now. Just as you would want the best midwives and the best experience of giving birth at the start of life, so you would want the same at the end of life. The first welcomes and gently brings a child into the world, the second says goodbye and gently prepares a child for their moving on from this world. Both are acts of the greatest love.”

You may notice that the word ‘love’ crops up in both these testimonials. I guess it’s about knowing your market and giving your market what it wants. Market testing demonstrated that, from the several options presented, our target market overwhelmingly preferred the name Lovingly Managed which is why we selected it as our company name.

Thanks for your story about your son and his girlfriend. I had a really good laugh at that!

In response to Gloriamundi

1) Re. our name, see response to Jonathan.

2) Yes, we are pulling together many services that already exist, but that’s the point. We are also providing other services which don’t currently exist. The total sum of that is a one-stop-shop. At a time when people are already under pressure, they can make a single phone call and we can relieve them of as much or little of that pressure as they wish. And you may have known of situations where an FD organises the post-funeral hospitality and live music out of ‘kindness’, but how many situations? I can’t believe that it happens very often and why should it? In my experience, it’s not generally part of an FD’s core service offering and they’re not charities. They’re businesses. And what about all the people whose FDs don’t provide these services out of ‘kindness’? Are they supposed to be left swinging in the wind? Well, now they have options.

You also seem to have a very one dimensional view as to what people’s situations are when they or a family member dies which is far removed from the reality for many. You state that the services we provide “many – most – people can actually do for themselves, or their friends/family can or should.” What exactly is a dead person supposed to do for him or herself?; and regardless of the fact that many families could do what we do, many don’t want to and others really can’t, for any number of reasons, and it’s certainly not up to anyone else to say they ‘should’ do it if their preference is to pay someone else to do it.

Another thing you say is that “It’ll be a sad day when friends and family don’t offer this sort of support – I know there are people who die utterly alone, and there may be more in future – but it’s not that common, is it?”

You’re right.  The number of people dying absolutely alone is, at the moment, small but it is increasing.  However, I’m sorry to say that the ‘sad’ day of family and friends not offering this sort of support is already here and not necessarily because they don’t want to but often because they’re not able to, either because they live too far away, they’re old themselves or they may be too ill. As our population continues to age, families become increasingly dispersed and the number of people living alone continues to increase, more and more people are going to face this type of situation.

A few pertinent statistics:

Research by Dignity in Dying found that almost 25% of Welsh people live alone, the highest proportion in the UK.  recent report by WRVS, entitled Home Alone1, predicted that by 2021, the
Office of National Statistics:

Over the last 25 years the percentage of the population aged 65 and over increased from 15 per cent in 1984 to 16 per cent in 2009, an increase of 1.7 million people. By 2034, 23 per cent of the population is projected to be aged 65 and over. The fastest population increase has been in the number of those aged 85 and over, the “oldest old”. In 1984, there were around 660,000 people in the UK aged 85 and over. Since then the numbers have more than doubled reaching 1.4 million in 2009. By 2034 the number of people aged 85 and over is projected to be 2.5 times larger than in 2009, reaching 3.5 million and accounting for 5 per cent of the total population.

Older women are more likely than older men to live alone and the percentage increases with advancing age. In 2008 in Great Britain, 30 per cent of women aged 65 to 74 lived alone compared to 20 per cent of men in this age group; and for those aged 75 and over this increases to 63 per cent and 35 per cent respectively.

You make the point that ‘I think what we need are local networks of information and support, not a franchised national service.’ There are already many local networks of information and support, which are essentially franchised national services without the commercial element e.g. Age UK, Cruse, but none are offering what we are.  You also say that “The accompanying/supporting/house clearing stuff really should be done locally.” Well, it is being done locally across South Wales, by us, and if our business grows as we hope, then Lovingly Managed franchisees will be providing the service ‘locally’ across the UK.

I get the impression that your real objection to our business is the very fact that it’s a commercial business and not a charity.  Further evidence of this comes from you saying that we are “adding to the expense unnecessarily.” Unnecessary for who, exactly? Certainly not for the son/daughter living abroad who has to get back to their family and job and has no time to clear their parent’s home and get the house on the market and can’t afford to be flying back and forth. At the beginning of your comments you accuse us of making sweeping statements; I have to say the words pot, kettle and black come to mind. I mean, who are you to decide for everyone what is an unnecessary expense?

Finally, you say ‘But I’m not tutting.’  Really?  You could’ve fooled me!

In response to Death Matters

T
o be honest, I’m not sure what you were saying but I think the premise is that if people aren’t stressed out and struggling to cope then they don’t experience the correct degree of loss. Says who? If people want the experience made easier for them then that’s their choice. It’s not up to anyone else to dictate to them what help they should or shouldn’t receive in order to adhere to some arbitrary, subjective standard on what makes a bereavement ‘too easy’. Having said that, I totally disagree with your sentiment, anyway. To say that helping people deal with the practical aspects of death means their sense of loss is somehow minimised is, to my mind, offensive. It’s like saying if a woman has a baby with the aid of drugs then she doesn’t really experience the wonder of giving birth because she hasn’t suffered enough pain. As a woman who, during the course of a 39 hour labour ended up having every drug going, I can assure you that this couldn’t be further from the truth.

In response to Graveyard Bunny and Gloriamundi

How ‘delightfully’ commercially naïve of you not to realise that ‘elderly escort service’, far from being a blunder, was a totally calculated decision to drive web site traffic. After all, we are trying to raise awareness of our company and this was just one means to an end. Who’s to say that a man searching for an escort service doesn’t also have an elderly parent who he might want help with, either then or at some point in the future? And if he’s aware of our web site, he knows we exist and might just tell his friends about us.  Apparently our company has been mentioned on a forum on West Ham’s web site. Now how did that supporter find out about us, I wonder?

That’s it. If we’ve offended, apologies. It’s not personal but we weren’t about to let these comments pass without presenting our point of view.

BLOG OFF. This blog is going to take a few days’ holiday on its beloved island in da sun — so you can have a few days’ holiday from it. See you next Monday. Have a great week!

Indy undertakers on the counter-attack

Saif’s  IPSOS-Mori price comparison survey published in February 2010 was dynamite. It showed that independents are generally cheaper than two big beasts of the industry, Co-operative Funeralcare and Dignity. Had Saif got the message out to the funeral-buying public it would have hit the big beasts’ bottom line bigtime.

But the message never got out, not in a big way – an eyebrow-raising non-occurrence considering the price obsession of British funeral consumers. Saif didn’t bang the drum and blow the trumpet. A number of its members are cross about this. All that money to create a weapon of mass destruction only for it to hastily hidden under a bushel. What a waste, they said.

Is Saif dumb or did it have its tongue cut out? The story cannot be told for fear of litigation. There was a rumour swirling that one of the big beasts put pressure on Saif’s suppliers to take sides: either you ditch your indies or we’ll ditch you. I don’t think we can attach any credence to that.

The advance of the clunking conglomerates has been inexorable. They have circumvented the nobody-does-it-better claim of the independents and fought the war instead on the unpropitious battleground of financial planning, employing expert messagemakers to seduce consumers with sweet-talk about empowerment. As a result, the future now belongs to the big beasts: they’ve got the paid-up pre-need plans to prove it. It’s been a strategic masterstroke. Who wants today’s car, phone, anything tomorrow? No, we want the upgrade, next generation, as-yet-undreamt of. And yet… the funeral planners have conquered obsolescence . Hats off!

How to reverse this? By playing the big beasts at their own game? Golden Charter is fighting the good fight pluckily enough, but is beginning to look like the British army in Basra. In any case, there are far, far better ways of making provision for funeral expenses, ways which do not disempower those left behind.

No. The way forward is to get back onto the battleground of value for money, quality assurance and individuality. At a time like death people want to be looked after by a brilliant boutique business, not Funerals R Us. It ought to be easy enough.

It will need concerted action, though. Ay, there’s the rub.

So it’s really good to see a togetherness initiative come out of last week’s discussion of the new Co-op website MyLocalFuneralDirector. It was sparked by Nick Armstrong. He spotted that the Co-op had failed to buy mylocalfuneralservice.co.uk and yourlocalfuneralservice.co.uk.

“I’ll give you a guess who has just bought them. I’ll get a list of independent funeral directors on there as soon as I work out how to do it. Ill post back on here when I have a template up and running.:-) … It won’t be a quick thing as I want to get it right but it will be honest that’s for certain! If anyone has any ideas on compiling the database easily please let me know.”

His challenge was taken up by Andrew Hickson:

“Nick, here’s an idea off the top of my head. Follow it up, ignore it, change or work on it, I shan’t be offended by any of them!

It seems that there’s a fair bit of animosity and dislike of the website that is being discussed here, so, how about we, ourselves, research and compile a database? By this, I mean every reader and follower of this blog, each contributing what he or she knows.

I’d be surprised if between us we weren’t pretty well-informed of the true identities of a huge number of companies.

An immense task, and one which would require every contributor to be really focussed. But, very exciting, and think of the satisfaction when it was complete.

I’d be happy to help out wherever I could, so do let me know your thoughts!

This could be big if we all made it so … the start of a collaboration of FD’s willing to challenge the boundaries of the truth with which we all contend on a daily basis?”

Nick has responded:

“Hi Kingfisher. I’m game. Any help on content etc would be appreciated as well as any help with compiling a database. Thinking of a searchable google map with premises photos and branch info might be a good start. Bit more interactive than a list.

I’ve been doing one on my website with local churches, cemeteries etc. http://tinyurl.com/2v54rzz

I’m happy to build and host the site(s) and any info would be greatly appreciated.”

So there we are then. The go-to man is Nick: office@funeralhelp.co.uk.

Let’s make common cause!

It won’t make you dead

Gail Rubin is a writer and blogger in Albuquerque, New Mexico. I’ve just looked up Albuquerque on google maps. It’s a long way from a decent beach.

Gail has written a book, A Good Goodbye: Funeral Planning for Those Who Don’t Plan to Die, which will be published at the end of this month. She also does some outreach work for an excellent funeral planning website, Funeralwise.com. It’s full of good advice; it’s well written and intelligent.

I’ve ordered her book already, and I urge you to do the same. Here’s what Gail says about it:

“Just as talking about sex won’t make you pregnant, talking about funerals won’t make you dead – and your family will benefit from the conversation. A Good Goodbye provides the information, inspiration and tools to plan and implement creative, meaningful and memorable end-of-life rituals for people, and their pets, too.”

Joe Sehee, executive director of the Green Burial Council, says: “Gail Rubin takes on society’s last taboo in a readable, practical manner with a light touch. It’s a great read for anyone who isn’t sure about this ‘death thing’ and how to best prepare for it.”

I’m looking forward to getting my copy. You can order yours here.

When Gail was in college thirty years ago, in an enterprise which prefigured her later immersion in the logistics of mortality, she made the short spoof  (above) of gloomy old Ingmar Bergman’s Seventh Seal. It made me chuckle and I hope it has the same effect on you.