Social Fund Funeral Payments

Jim Shannon Excerpts

Wednesday 14th September 2016 Westminster Hall

[Jim Shannon (Strangford) (DUP)]

It is a pleasure to speak in this debate, Sir David. I congratulate my hon. Friend the Member for Belfast East (Gavin Robinson) on setting the scene so movingly and thoughtfully. His speech was easy for us all to follow and appreciate and, more importantly, for the Minister to respond to. The funeral payment scheme that is currently in place is complex and certainly does not adequately cover the associated costs of a funeral. I am also pleased to see the Minister in her place and congratulate her on her elevation to the position she now holds. I understand that in the past the Minister has had a similar debate in Westminster Hall on this subject. I think I came along to support her and added a contribution at some point—which was uncharacteristic—and I very much look forward to her response.

I have had a number of cases in my office regarding funeral payments. One of the main problems is that people have to commit to the funeral without knowing whether their claim will be upheld. I have had people in my office who have had to take out payday loans—I would not recommend it—believing that the funeral will be paid for, only to be refused or given an amount of money well under what was needed to carry out the actual funeral. They are then left with truly massive bills and debts, because they believed they were eligible and wanted to respect the memory of their loved ones. The scheme was set up to prevent families from having to allow their loved ones to go through a pauper’s funeral service, which is not a nice thing for a loved one.

I also commend what the hon. Member for North Down (Lady Hermon) referred to. In many cases when people come to my office I say, “Were they members of the services or any of the army regimental associations? Because there is help available through the Royal British Legion and the army associations as well.” In some cases they can step in, but not always.

I was a councillor for 26 years and can well remember the odd time when a note was brought to the council saying that someone was to be given a pauper’s funeral in that section of the graveyard. It is unbelievably sad to sit in a chamber when a name comes up and to think, “There must be some family or someone who knows them.” All of a sudden, they are in the paupers’ section. It is a very cheap funeral, but it is unbelievably sad that there is no one to claim the body and, worst still, that no one can afford to claim it.

My office regularly fills in forms, as lots of people come along for help and assistance. They are asked who their next of kin is, and there may be three or four children. Who is on benefits? If three are and one is not, that means they will not get any help. The person who passed away may have four children or two children, whatever the case may be, and then somebody will come along and say they are estranged from their mum and have not spoken to her for many years, but they have to prove that. It is a very complex system. This is not something that any compassionate person would like to see.

In my opinion, unless there is reform of the scheme, as my hon. Friend the Member for Belfast East has referred to, we will see many more people put into the unmarked sections of council graveyards, as it used to be in days gone by. There will be even more people getting themselves into massive debt using extortionate lenders, and then the desperation takes over. I am not being dramatic in saying this. The cost to councils and health trusts of paupers’ funerals in Northern Ireland has risen by almost 50% between 2010 and 2015. More than £180,000 has been spent in Northern Ireland since 2008 on funerals for people who die alone or without relatives able or willing to pay. Health trusts and councils have carried out about 90 funerals since 2008, and in 2013-14—the most recent period with the most complete statistics—around £32,600 was spent. The figure is about 46% more than the £22,200 recorded in 2008-09. However, spending fell a wee bit, to £25,500, in 2014-15.

Across the UK, the cost to councils of paupers’ funerals has risen, as the Minister will know, by almost 30% to £1.7 million in the past four years, whereas the number of funerals has also risen by 11%. It shows the dire situation that people are in that they would allow a loved one’s body to remain unclaimed for two weeks in a morgue and then allow them to be cremated or buried in the paupers’ section. My hon. Friend referred to the £700 of state help available, but a no-frills funeral today costs £3,700.

I will conclude with these comments. A quick browse online on the likes of Macmillan Cancer Support, CLIC Sargent or other websites makes it very clear that people cannot rely on a grant to help them with the cost of a funeral. CLIC Sargent’s website says:

“We can’t give full details and exclusions here, so please don’t take it for granted that you will get everything listed above”,

and refers to “necessary” or “reasonable” costs. It also states:

“Many people find that the Funeral Payment doesn’t cover all the costs”—

that is very clear—and that it

“can also be reduced by the value of some of your child’s estate…It is important to remember that if you do receive a funeral payment, it may not cover all the funeral costs.”

That is aimed at grieving parents. Surely there is a better way that we can handle this. Therefore, I support a simplified approach, as my hon. Friend and colleague said. I also believe that the amount available must be uplifted to recognise the changing times we live in.