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The following article is from the SAVES newsletter, The
VE Bulletin, Vol 15 No 3, Nov 98
What happens when someone dies?
We were fortunate to have Vanessa Hume as our guest speaker at our July
General Meeting. Vanessa, founder and former Managing Director of White
Lady Funerals, spoke on the above topic. Set out below is a handout prepared
by Eric and Val Gargett summarising the essential features and approved
by Vanessa for distribution after her talk.
This information is provided as a guide only. Cost figures are rough
estimates.
Is an undertaker essential? No - but DIY is usually too difficult,
due to lack of facilities for storage of the body, and because the supply
of coffins is restricted within the industry.
Must undertakers be qualified or registered? No - anyone can
operate a funeral business, but the premises must be council-approved and
meet the requirements of the State health authorities.
What does a funeral cost and what does that include? Can one dispense
with specific services? What is the minimum? Costs vary considerably.
A very basic non-attended cremation can be negotiated with most funeral
directors, some charging only $1,500. A moderate figure for a "total cost"
funeral, covering everything except press notices and flowers, would be
about $3,500. There is no upper limit: it depends on what is required.
If you are quoted a "service fee", ask exactly what this covers. Some funeral
homes have an all-in fee that covers mortuary use, transport of the deceased
in normal working hours, obtaining documentation, and all other arrangements.
Others will quote a service fee and then charge a separate fee for transportation,
and yet another for mortuary facilities. Ask for an itemised total cost.
You may dispense with items you prefer to handle yourself, or which you
do not require, such as flowers, press notices, a service, or memorial
book. If it is to be a non-attended funeral there are no minister's or
celebrant's fees to pay.
What are the options for coffins? What materials are legal? A
plastic-lined container is obligatory. In S.A. a pyrocapsule of cardboard
and chip board is legally allowed for cremation, but no funeral director
in S.A. uses them any more. The very basic coffin is a "flat top" - plain
and simple, polished veneer, which need not have handles. A wide range
of wooden coffins is available. They vary greatly in quality and cost and
you may face considerable sales pressure to take an expensive model. If
you are thinking of making your own coffin, you should be aware that it
is unlikely that an undertaker would be prepared to use it, in case it
proved inadequate.
Where can you be buried - at sea? - on private land? In S.A.
you can be buried on private land only if it is more than 50 miles outside
the metropolitan area, and subject to local Council approval. You can be
buried at sea more than 20 km off-shore, but it is a complicated and expensive
process. (In S.A., it is off the coast of Robe).
Who controls cemeteries? Cemeteries may be privately owned, or
managed by a local authority. Most are for general use, but some have areas
for different faiths.
What are the facilities for prepayment? A funeral director can
arrange this for you, or you can enquire of an insurance or trustee company.
You will be expected to pay the full cost of your chosen funeral at present
prices, either up-front, or by instalments, and you will receive the chosen
funeral in due course without extra payment, however much prices have risen
in the meantime. (The extra cost is covered by the interest the company
has earned on your payment).
What happens if there is no one to meet the cost of your funeral?
Centrelink is responsible for what was formerly called a pauper burial.
But there is a strict family means test and the next of kin will normally
be expected to pay. There is much useful information in the free Centrelink
publication "What to do when someone dies", with details of payments that
may be made on behalf of Social Security to help with costs.
What about cremation? What does it cost? What happens to the ashes
- are there restrictions on disposal? A cremation is slightly cheaper
than a burial. The cremation fee is about $450-$550, half the cost of a
grave, but a $30 permit and extra doctors' certificates are required. Cremation
can be private, in the presence of family, or after a full service. The
ashes are returned and may be scattered almost anywhere the family chooses,
but not over a reservoir. Alternatively they can be memorialised, which
is very costly; or they can be interred in an existing family grave, usually
at less cost than a traditional burial.
What if death is unexpected? Unexpected death means a coronial
enquiry, (not necessarily a coronial inquest) and the police contract funeral
director takes the body to the State Mortuary for the autopsy. It is then
released to the funeral director chosen by the family, who need not be
the one who transferred the body from the place of death.
What if I am an organ donor? An organ must usually be taken within
about two hours of death, so it is essential to know the exact time of
death and to tell the attending doctor and anyone who is taking charge
of the body. The information can be engraved on a Medic Alert emblem as
well as being marked on your driver's licence. But even though the driver's
licence is endorsed, the next of kin must sign consent forms unless the
deceased had listed with the Donor Registry.
Do most people make prior arrangements and discuss their wishes with
the family? Most people do not tell the family what they want. This
is particularly embarrassing when the relatives have to decide between
burial and cremation. Those who care most are very vulnerable at this time
and you can help by talking it over with them in good time. When talking
within the family let them know your preference for burial or cremation;
for a public, (notice in the paper), or private funeral; the type of service,
if any, and - if you desire a service - whether it is to be conducted by
a minister of religion or a celebrant. While you may wish to depart this
life with the least ceremony, remember that a funeral service is for the
comfort and grieving of those needing to say goodbye.
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