Social Fund Funeral Payments

Emma Lewell-Buck Excerpts

Wednesday 14th September 2016 Westminster Hall

[Mrs Emma Lewell-Buck (South Shields) (Lab)]

It is always a pleasure to serve under your chairmanship, Sir David. I give thanks to the hon. Member for Belfast East (Gavin Robinson) for bringing this debate to the Chamber and for his kind comments towards me.

Members will know that back in 2014, I introduced the Funeral Services Bill. This Bill called for the Government to carry out an overarching review of funeral affordability. At that time, more than 100,000 people were estimated to be suffering from funeral poverty. That means, simply, that they were unable to afford to bury their loved ones or had incurred significant debts in doing so. Since 2004, funeral costs have risen by a staggering 80%, with the average funeral generally costing just under £4,000. In this climate of rising costs, the only payments that have not increased are the Government-administered social fund funeral payments, for which, between 2014 and 2015, the Government turned down 24,000 applicants.

I am really proud that my Bill started a national conversation and gave this issue the prominence it needed. I have continued to campaign on behalf not just of those we know about who are struggling with funeral poverty, but of all those who have stayed silent, or who have stopped me in the street, written to me or sent me deeply personal messages stating that they would never want anyone to ever have to go through what they have—the stress, shame and indignity of not being able to offer their loved ones the one final goodbye they wanted. The pressure of that while trying to grieve is immensely distressing for so many people. In a country where we do not readily talk about death and dying, I have been heartened to see in the past few years a diminishing of the last great taboos of discussing dying and death.

I am not going to spend the time I have today going over how the social fund operates; I think hon. Members have done that justice already. I would like to use the short time I have to share my efforts, and those of other interested organisations since December 2014, in trying to seek some long-needed reform to the social fund payments through the introduction of an eligibility checker, as proposed in my Bill.

In late 2015, I, along with the National Association of Funeral Directors, Citizens Advice and others, attended a roundtable with the then Pensions Minister, Baroness Altmann. There was broad agreement that the introduction of an eligibility check would stem the tide of people committing to costs before they knew of any award, thus avoiding debt. At that roundtable, the Minister gave a cast-iron assurance that she would explore the eligibility-check option.

Correspondence between myself and the Minister continued. She advised me that research into the issues raised was ongoing, as were discussions with stakeholders. In April this year, I wrote to her dismayed that she had not mentioned the eligibility check in her recent correspondence. I pressed her for an update on the research and discussions with stakeholders that the Department had undertaken. I also asked for clarification that, as a wealth of research had already been conducted in this area, her Department were not simply duplicating existing work.

Two months later, I needed to remind the Minister that she had failed to respond to my letter. In that reminder, I also asked that the Government’s response to the Work and Pensions Committee report on bereavement benefits, which also asked for an eligibility check, was corrected, as the Government falsely said in their response that an eligibility checker already exists. It does not and the record has still not been corrected.

I then received a letter simply dated July 2016 from the Minister. It said that:

“we are looking to see if a checker is the best solution”,

and that I would receive an update this summer. The Minister then resigned, saying:

“Unfortunately over the past year, short-term political considerations, exacerbated by the EU referendum, have inhibited good policy-making.”

Well, no shock there.

Although I am always keen to debate these issues, I am totally fed up with the Government’s poor response and incompetence on this issue, and the way in which this Minister’s predecessors have messed me and all these other organisations around. I welcome the new Minister to her place and have read her letter to my right hon. Friend the Member for Birkenhead (Frank Field), who chairs the Work and Pensions Committee. In it, she also writes of conversations with stakeholders. I imagine that stakeholders can only say the same thing so many times without getting completely fed up.

My questions to the Minister today are really simple: what research has been done by her Department? Where on earth can any of us find it? Who are these mystery stakeholders? I want to make it very clear to all those suffering from funeral poverty that even if this Government continue to let them down, I and my colleagues never will.

Supported Housing: Benefit

Emma Lewell-Buck Excerpts

Wednesday 20th July 2016 Commons Chamber

[Mrs Emma Lewell-Buck (South Shields) (Lab)]

Just seven days ago, the new Prime Minister spoke in her inaugural speech about social justice, yet here Opposition Members are, yet again, having to speak out against yet another socially unjust policy proposal from this Government. Cutting housing benefit for the most vulnerable in our society will result in the closure of thousands of supported accommodation units. This is about people’s homes and people’s safety.

When I was a local councillor, two sheltered accommodation complexes for the elderly were earmarked for closure. For a year, I worked with elderly residents to save their homes, and I will never, ever forget the worry and fear etched on their faces, and the many concerns they had. All they could think about was where they would live, how they would afford to move and who they would have for company. When we know that Age UK is reporting that 300,000 elderly people suffer from chronic loneliness, which leads to early death, we see that the social angle this accommodation provides is beyond vital, and I remember the sheer joy and relief when we managed to stop those shelters closing.

Today I am mindful of the fact that we are talking about not just one or two shelters for the elderly closing, but hundreds and potentially thousands. I would like the Minister to tell us where on earth these people will move to if their shelter shuts. Many in constituencies such as mine will not be able to afford private accommodation. Many will have no family to go to. Thanks to this Government, there is a massive shortage of council housing, forcing these people into residential or care homes or into the health service, which is not fit for their needs or appropriate for them, particularly in the long term. That leaves only one option: homelessness. Yet this policy will see the closure of homeless hostels too, which can mean only one other choice: to go on to the streets. Surely the Government can see that if they push ahead with this change, there will be no charities and services they can push this problem on to, because cutting this money is cutting those very services.

Earlier this year, I had the huge privilege of spending time with Terry Waite CBE. Many may not know this, but this towering, kind, humble man, known for the horrific captivity he endured in Lebanon, is president of Emmaus UK, which was referred to by my hon. Friend the Member for Dulwich and West Norwood (Helen Hayes). Emmaus provides homes and work for people who have experienced homelessness, and it is due to open a site in my constituency. It provides a tried and tested, lasting route out of homelessness. It also generates £6 million per year in savings to the state, through reductions in offending and the improved use of health services. However, it has told me that if housing benefit for supported accommodation is capped nationally at LHA rates, it would lose over £3 million per year, threatening most of its communities with closure.

[Peter Aldous]

I, too, have visited an Emmaus community. Does the hon. Lady agree that Emmaus does great work? For every £1 the state puts in, Emmaus produces a social return of £11. Does she agree that it is vital that the new system we come up with acts as a catalyst for that type of inward investment?

[Mrs Lewell-Buck]

What is vital is that this proposal is scrapped, so that the Emmaus community in my constituency can be built, and all the people living in the other communities are not faced with being pushed back on the streets because their community has closed down.

Those who have experienced the horror and degradation of being homeless and on the streets could find themselves right back there if this policy goes through. This is just poor economics, and it is beyond contemptible. I am completely aghast as to why any Government would want to introduce a policy that would see our elderly, our care leavers, those with mental health and learning difficulties, our veterans and victims of domestic violence on the streets, and that would keep those who are already homeless there too. If this policy is introduced, people will be destitute.

Earlier the Secretary of State said that, despite people being in enduring limbo, it will be autumn before we have an announcement. I hope that that means the Government are slowly beginning to understand at last that regressive policies such as this, punitive benefits sanctions and the bedroom tax only create more problems for our society and will cost the Government a hell of a lot more in the long run.

Oral Answers to Questions

Emma Lewell-Buck Excerpts

Monday 9th May 2016 Commons Chamber

[Justin Tomlinson]

First, any claimant who has difficulty attending an assessment centre can request a face-to-face assessment in their own home. Secondly, with regard to how far somebody can travel in an assessment, this is not just a black-and-white issue of 20 metres; it is about whether they can do that safely, repeatedly, to an assessable standard and in a reasonable time. If a claimant is unhappy with a decision, they can ask for a mandatory reconsideration or an independent appeal.

[Mrs Emma Lewell-Buck (South Shields) (Lab)]

One of my constituents who works 16 hours a week and is a carer for a disabled relative has discovered that because of the living wage she no longer qualifies for carer’s allowance, leaving her with a substantial shortfall. Why on earth have this Government forced her and thousands of others into this desperate situation?

[Justin Tomlinson]

We as a Government spend £2.3 billion a year in supporting the invaluable work that carers do in this country. The impact of the national living wage will always be reviewed.

Funeral Poverty

Emma Lewell-Buck Excerpts

Tuesday 13th October 2015 Westminster Hall

[Paul Maynard]

My hon. Friend is right. None of us really wants to think about what we will do when the reality presents itself to us and we have a funeral to organise. Not only do we have to process the emotions that we inevitably feel, but there is an entire series of practical steps that have to be gone through that we are probably not best placed to go through at that time. We are not acting as the informed consumer that we might be if we were going down the supermarket to make a normal purchase. This cannot be the normal purchase that we might like it to be.

The experience can be overwhelming at times and many people require a degree of practical help in trying to navigate the process. For some, yes, the need to organise might be a welcome distraction from the process of grieving, but I do not think it can ever be accepted that these things will just happen of their own accord. As Marie Curie points out, there can be quite an adverse consequence for the grieving process if the result is not the right one in the end. Above all else, the cost of a funeral can be a massive shock to the budgets of families who perhaps do not start off with a significant amount of resilience in the first place.

The fact that I organised today’s debate seems to have provoked a number of insurance companies into rushing out annual reports a few weeks early. Both Royal London and SunLife had to get a move on down the printers, and Royal London’s report, which came out on 5 October, showed once again that funeral costs continue to rise. It now estimates that about one in 10 people are struggling to meet the cost of a funeral. The other provider, SunLife, in its “Cost of Dying” report, which came out even more recently—this weekend—found that the cost of a basic funeral had risen to £3,693, with a further £2,000 spent on discretionary items such as extra limousines, venue hire and catering. That is a sizeable sum, which, if not met out of the deceased’s estate, will place a substantial burden on the family if they have few savings yet need to find the money for a deposit even to start the process. No wonder research shows that credit cards and funerals are two of the items that we most commonly find together.

For those whose financial resilience is low to begin with, the phenomenon of funeral poverty almost has a sad inevitability about it. It leaves people facing a scale of debt and a suddenness that they simply cannot be expected to prepare for, so I think that it is right and proper that we look today in particular at what the Government’s tools are for trying to deal with the problem.

The main one is the social fund funeral payment, which has been in existence since 1988. It combines an uncapped commitment to “necessary” costs such as burial and cremation fees, along with a capped amount of £700 to cover such items as the coffin, the memorial and funeral directors’ fee. With an average award of £1,347, it undoubtedly makes an important contribution to the costs of a funeral for those who receive a qualifying benefit and where no other family member can meet the bill.

It should be made clear that the benefit is designed not to pay the full amount of the funeral costs, but to make a contribution. That is the policy objective. It is worth assessing whether the benefit functions as it should against that policy objective. I am sure that we could all express views on whether it should achieve other objectives, and there might well be a debate to be had on that matter, but I want to assess the benefit against that particular objective to start with.

It is worth noting that within the average figures, there is a broad discrepancy. The discrepancy between the cost of a burial versus a cremation leads to some perverse outcomes. The amount that an individual gets will depend on which they opt for and where they are in the country. There is no inherent, internal logic in the amount that an individual will get when they are faced with meeting these bills.

The capping of additional costs at £700 has been controversial for quite a while. I first got involved with this topic when the NAFD came to see me about it. I understand why it is a complex issue. Some suggest that over time the value of the £700 has been eroded. Mathematically, that cannot be argued against. Inflation means that if we were paying that £700 now, based on the amount that it started out at when capping first took place in 2003, it would be slightly over £1,000. Perhaps the best way to think about this is not to argue whether it is too high or too low, but to look at the costs that it is designed to meet.

We have a very poor understanding of where the money from the social fund funeral payment is actually going. We understand where the capped amount—the £700—goes. It does not meet all the additional costs, many of which are discretionary and at the choice of the consumer, but the Government—rightly, in my view—seek to meet all the necessary costs, which relate to the legal requirement regarding the disposal of someone’s remains. It is right and proper that the Government should meet all those costs, and they recognise that. There can be no model in which all the necessary costs are not met.

However, despite five years of trying to achieve that—without any luck—it is very hard to track through the Department for Work and Pensions where those necessary costs are going. Different local authorities charge different fees for cremation and burial. There is no consistency across the country. There are some perverse factors, such as the growth of private crematoriums driving up local authority crematorium costs as well. I have asked on a number of occasions, as other hon. Members have, for more information on what the money is going on. It makes it very difficult, I think, for both the Department and interested observers to make an accurate assessment of whether the benefit is performing adequately and reaching its policy objective. We need to understand what the cost drivers are, and it is important that the Government try to work out what more they can do to improve the data collection. I would be interested to know what steps the Minister thinks that he can take to improve the data collection to allow that analysis to take place.

There are various anecdotal reports that not every council runs its crematoria on a cost-recovery basis. If some are seeking to cross-subsidise, that ought to be at least transparent to the Government; that might help them to understand how the overall amount spent remains roughly the same at some £46 million each succeeding year, while the proportion spent on necessary costs continues to fluctuate. The Government need a better understanding of what is going on.

Many have argued that a relatively straightforward step in the right direction would be to index-link the capped payment—the £700—to inflation. When I put that to the Minister’s predecessor, Mr Webb, he replied:

“One risk of index-linking these payments is that prices would rise and recipients would be no better off”.

I have interrogated that statement from as many logical positions as I possibly can, and I still cannot make head or tail of it. I do not think it relates to the reality faced by funeral directors or consumers. Although I recognise that there is a need for much greater transparency on the part of funeral directors when it comes to offering itemised estimates without having been asked to do so, to my mind a £700 cap leads to some perverse outcomes. Increasing numbers of funeral directors carry a substantial amount of debt because they have to act as debt managers, and that leads some of the larger chains to turn people away when it becomes clear that they may require some social fund payments to pay for the funeral.

I ask the Government once again to look at index-linking—not merely as a spending commitment, but to help them better understand the cost drivers from local Government and to use whatever savings they achieve to pay for the index-linking that would allow funeral directors to cover more of their costs. That would also give the Government an opportunity to look at saying to funeral directors, “Right. We have index-linked, so now let us look at how the industry can improve its delivery of services and act in consumers’ interests to get a fair outcome.”

I ask the Government to consider balancing the need to fund necessary costs with the need to ensure that those costs are constrained on the part of local councils—there can be no blank cheques—and that additional costs are not squeezed merely to ensure the funding of necessary costs, of which we do not have a full and proper understanding. There is a danger that, as debate on and public interest in the subject grow, we may get some perverse demands for change that will not lead to any improvement in the experience of the bereaved. We need robust, coherent data to judge the right way forward, and at the moment we do not have that information. Many observers in the sector strongly believe that to be true.

We also need to look at how the benefit works. From my time on the Work and Pensions Committee, I know that it is important to be quite forensic on each individual benefit. What is its policy objective? Is it delivering that objective? How is it being managed? With some 51,000 applications for the social fund funeral payment, some 41% of which were rejected, I wonder what scope there is to improve the pre-eligibility scrutiny of those applications, because 41% is quite a large number. I suspect that many will be quite transparently not eligible at an early stage.

There have been numerous meetings about how to improve the process, but we still seem to get roughly the same number of rejections. I would welcome the Minister’s view on what more could be done to improve that. The bereaved should not be left disappointed by going through the process of arranging the funeral, only to be rejected later. That can be quite devastating, and it causes many of the financial problems that I have mentioned. In turn, it leaves the funeral directors out of pocket, and they have to chase the debt.

Will the Minister address the situation of people who are awaiting a decision on a qualifying benefit? They are trapped in two DWP holding circles: a decision on their own benefit, which will have consequences for their entitlement to the social fund funeral payment. The form is very complex. Virtually every Work and Pensions Committee report that I have been involved with asks the Department to improve the layout of the form and to subject it to the test of the behavioural insights team. No DWP form can ever not be improved, and I think that this particular form would defeat even me if I tried to fill it in.

The timeliness of decision making matters. The Department’s performance on that is quite good; its target is 16 days, and it seems to fluctuate between 17 and 18 days, so it is not that far off—I can think of many other examples of where it is nowhere near its targets. Although that represents quite good performance, the target of 16 days is actually three days longer than the average time between a death and a funeral. Timeliness of decision making is still an issue, and it might be improved by a pre-application eligibility procedure, if such a thing could be introduced.

I would welcome the opportunity for relatives to know before they commission a funeral the scale of resources that they are likely to have at their disposal. Some relatives may feel that the measure of their grief and loss can somehow be proportionate to the complexity of the funeral that they commission, and although I understand why that is the case, it would be helpful for people to have a clear understanding from funeral directors at a very early stage about what the items on the bill will cost. It would help for them to know how much will be spent on each element and which elements were required, which were discretionary and which were optional. At the moment, people are not acting as informed consumers. Affordability works both ways, because if a funeral director offers a more affordable plan to the customer, they are more likely to get their money in the end. Both parties can benefit from that, and it would alleviate the levels of debt.

One interesting element of the debate is budgeting loans. Steve Webb participated in a debate on this subject a few years ago, in which he talked about budgeting loans being a solution to much of the problem. Despite repeated efforts by the NAFD to get more information out of the Department through freedom of information requests, no one seems to have evidence of any budgeting loan being taken out for the purpose of paying for a funeral. I would be interested to know whether there is any evidence that that is actually happening, because we do not have any data on it.

I will try to wrap up rapidly, because I am running out of time. I have been struck by the calls for regulation of the industry. I recognise that it is tempting to say that there should be a much greater state role, but I do not think that we have exhausted the good will of the industry. Quaker Social Action runs its fair funerals pledge, and many funeral directors are signing up to it, particularly from the younger end of the industry—the insurgents. That disruptive influence on the industry, focusing on what the consumers actually need, can only be a good thing. I am not entirely clear that the industry needs to be castigated. I know many of my local funeral directors, and they are compassionate, caring people who want to do the best on behalf of their community. I am sure that that is true in all our constituencies.

At the heart of the matter is the fact that no one goes into the process with a clear understanding of what costs they should reasonably expect. No one knows what a cheap funeral looks like versus an expensive funeral; one is merely presented with a bill at the end. It is difficult to understand how the component parts of that bill have been assembled, and, emotionally, one is probably not in a position to interrogate it. That can make it difficult to be an informed consumer, and it suggests to me that the market is not fully formed. It is hard to regulate a market that is not acting like one, and in which consumers are not making informed decisions at the point of purchase.

I support Quaker Social Action’s call for some sort of non-governmental third-party ombudsman role. When Steve Webb discussed the matter a few years ago, he talked about “Tell us once” being a possible mechanism for achieving that, but I do not think that it has lived up to its expectations in that regard. It has done a good job of reducing some of the bureaucracy, but it is not acting as a signpost to the best advice on how to navigate this complicated process. I would welcome the Government’s looking at signposting people to groups such as Quaker Social Action, and considering whether such a group could perform an ombudsman role. Yes, that would need to be funded—advice always needs to be funded—but I suspect that sufficient savings could be made in the administration of the benefit to fund Quaker Social Action to play that role.

Many would argue for some linkage between the social fund funeral payment and a defined “simple” funeral, and that suggestion perhaps causes the greatest concern. It is very hard culturally to define what a simple funeral would look like. Quaker Social Action has been cautious not to require those funeral directors signing its fair funeral pledge to guarantee to provide a simple funeral. Instead, it says that the funeral director should clearly advertise their cheapest available funeral.

We need to be careful not to go down the route of the state defining what type of funeral it is prepared to pay for. A lot of cultural elements circle around how we decide what is appropriate for our loved one. It is difficult to try to define what that simple funeral ought to look like.

[Mrs Emma Lewell-Buck (South Shields) (Lab)]

Will the hon. Gentleman give way?

[Paul Maynard]

I am happy to, although I was just about to finish.

[Mrs Lewell-Buck]

I thank the hon. Gentleman; I appreciate that I will be speaking in a second. I have spoken to a lot of funeral directors who have said that they already offer a simple funeral. That was something that I proposed in my Bill, and the industry was split down the middle—some were for it and some were against it. I just wanted to clarify the hon. Gentleman’s point.

[Paul Maynard]

I suspect that we are closer to agreement than the hon. Lady might realise. I know what a simple funeral would look like and I know what its pricing structure would be; I just get a little nervous about tying the social fund funeral payment to that precise model. There may be cultural or religious reasons why people need optional extras.

In summary—if I have left any time for the Minister and anybody else—I would welcome a bit more information on how we can get the basic data to make the right decision about whether this benefit is delivering on its policy intent. I think it can, I hope it will and I look forward to hearing what everybody else has to say.

--- Later in debate ---

[Mrs Emma Lewell-Buck (South Shields) (Lab)]

It is a real pleasure to serve under your chairmanship, Sir David; I thank you for allowing me to sit through the debate. I congratulate the hon. Member for Blackpool North and Cleveleys (Paul Maynard) on securing the debate. Funeral debt affects a growing number of people, but the private nature of grief and the social pressure to provide a decent send-off means that those people do not always have a voice. One of the things that we should always do in this place is speak up for the voiceless so the hon. Gentleman has done those people a great service by calling this debate today.

Perhaps like other hon. Members, the issue first came to my attention through a constituent who had got into serious debt paying for their brother’s funeral. At the time, I assumed that such cases were relatively rare but, sadly, that is not the case. More than 100,000 people are living with funeral debt, while others struggle to meet the costs, end up selling their possessions, or turn to friends or family to cover the cost. These debts are significant. Royal London’s national funeral cost index shows that the average debt is £1,318.

[Catherine West (Hornsey and Wood Green) (Lab)]

Does my hon. Friend know that since 2004 there has been an 80% increase in the price of funerals, but wages and benefits have increased only fractionally in line with inflation—if not, they are struggling to keep up with inflation? The average social fund funeral payment was £1,225, which means that there is a huge gap in what is affordable. Would she congratulate Quaker Social Action on its excellent work in this regard?

[Mrs Lewell-Buck]

I would definitely like to thank Quaker Social Action, which I have done a lot of work with over the past 12 months. I am aware of some of the quite startling stats about this growing problem mentioned by my hon. Friend. I really do not think it is going to go away; it is going to get worse. Worryingly, as she said, the cost of a funeral service continues to rise well above the rate of inflation and the average debt is rising.

Losing a loved one, as most of us will sadly know, is one of the most difficult experiences we face in our lives. It shakes us and changes our world forever. In the middle of that personal turmoil, the last thing that people need is money worries. People will always feel a strong duty to do right by others when they depart, which makes it especially painful for those who are not able to provide what they see as a fitting service for their loved ones. That is why we need to have a really serious conversation about funeral affordability.

Hon. Members may be aware that in the previous Parliament I introduced a ten-minute rule Bill. The aim of my Funeral Services Bill was to approach some of the issues around funeral affordability. At the centre of the Bill was a call for the Government to carry out an overarching review of funeral affordability. When researching the issue, it quickly became clear how many factors affect the price of a funeral and how many Departments have a stake in it. Making funerals more affordable is not simple and requires co-operation between the Department for Communities and Local Government, the Department for Environment, Food and Rural Affairs, the Department for Work and Pensions, and the Ministry of Justice; only a cross-departmental approach can work. I hope that the Minister can give us a commitment that the Government will begin to look strategically at funeral poverty.

I am aware that there is not enough time to cover everything, so I will focus on one thing that should be reformed urgently: the way in which social fund payments operate. Funeral payments give people much-needed support, but the system has some major flaws. A funeral payment covers all of an applicant’s necessary costs plus up to £700 of other costs. That might sound reasonable enough, but, in fact, those other costs include things such as funeral directors’ fees and ministers’ fees—things that we can agree most applicants would consider necessary. The £700 cap was set in 2003 and has not kept pace with the rising cost of funerals, so funeral payment awards are increasingly inadequate. The average award is just over £1,300 at a time when the average funeral costs £3,700. If the cap on other costs had risen with inflation, it would stand at just under £1,000 today. As we have heard, funeral costs rise even faster than inflation. Although I appreciate the comment by the hon. Member for Blackpool North and Cleveleys that the social fund is a contribution, the reality is that if we want funeral payments to be fit for purpose, that cap needs to rise.

The other issue is the way applications are administered. At the moment, the DWP requires an invoice from the funeral organiser before it can process a claim, which means that people have to commit to a service before they know the value of the funeral payment they will receive. Inevitably, that means that some people commit to a funeral service they cannot afford and end up in severe debt. The process is completely backwards. The DWP urgently needs to look at how it can give applicants a clearer idea of the support they will receive, which will help people to make a more informed decision about the kind of service that is right for them.

[Stella Creasy (Walthamstow) (Lab/Co-op)]

I add my support for Quaker Social Action and the work it has done on the matter. My hon. Friend is making a point about the people’s ability to plan funerals. Does she agree that we have to be very sensitive to communities when the speed at which someone is buried comes into play in being able to plan and cost accordingly, and to some of the risks that creates for those communities?

--- Later in debate ---

[Mrs Lewell-Buck]

My hon. Friend is correct; this does not only affect people who have the time to plan a funeral, which is short in itself. Some communities cannot plan—full stop—so that debt will be incurred by everybody across the board.

The decisions by the DWP are far too slow. Most funeral services, as we have said, are decided very quickly after a person’s death, but the average claim can take up to three weeks to process, which means that most people only find out whether they are entitled to support long after committing to costs. My Bill, among other things, called on the DWP to introduce an eligibility check to help applicants understand whether they are likely to receive support before they make any commitments to funeral costs. I hope that the Minister can update hon. Members on social fund funeral payments, and accept what his predecessors would not—that there are serious flaws in the current system. I would like him to tell us what he will do to improve the process.

When I introduced my Bill last year, I hoped to start a national conversation about funeral affordability. The Government and the wider public have become increasingly aware of the issue. This debate is a welcome continuation of that conversation, but it is about time that some of that talk is turned into action. I hope the Minister will tell us about some of that action today.