Broaching the funeral subject
We are often asked how to broach the subject of funeral planning, either by children of ageing parents or concerned elderly individuals wanting to make their choices clear to their family.
We advise researching your options when you can make rational and informed decisions. Families with clear instructions are noticeably more relaxed. They are able to concentrate their time and energies on creating an event that is more personal.
Whatever your approach, perhaps an inclusive family conference or casually dropping the topic into a conversation – be prepared for the response and what course of action (if any) to take next.
A family plot?
You may need to investigate if there is a family burial plot; the location (in New Zealand or overseas), the condition and whether there is room for more family members to be interred, either full burial or as ashes. Find out who in the family has their name on the Deeds to the plot, as they will be the person who can authorise any subsequent interments.
Contact the cemetery with any information you may have and they will provide you with a report and advice. Many cemeteries in New Zealand have comprehensive on-line databases you can search, sometimes with images of headstones and plaques.
Choosing a funeral company
Most funeral companies have a website, outlining the company’s philosophy, staff profiles, their facilities and services they offer. Contact a local funeral company for an obligation-free discussion and estimate of your options.
How to pay for it?
Evaluate the benefits of pre-payment, funeral insurance or setting money aside in a separate bank account. Consumer NZ investigated pre-payment funeral plans and funeral insurance in May 2024. This report makes comparisons and highlights the benefits and disadvantages of the plans on offer.
One benefit of a pre-paid funeral plan is the funds (limit of $10,000) are exempt from asset testing requirements for a long-term residential care subsidy.
Most banks in New Zealand have a policy to pay the funeral account direct to the funeral company from the deceased’s bank account if there are sufficient funds. Check if your bank has this policy.
Planning your funeral
Start with our Easy Peasy Funeral Plan. If it seems initially daunting, perhaps begin with the things you definitely don’t want, which will help to shape the things you do.
The most significant decision is either cremation (and what will happen to your ashes) or burial (natural or conventional) and at which cemetery.
Consult with family and friends, those most likely to be responsible for your arrangements on your behalf (probably the Executors nominated in your Will).
It would be really useful to have your registration details recorded so your Executor can easily register your death with Births, Deaths and Marriages.
For more useful links and information – click here.
Extracurricular activities
And while you are in ‘making plans’ mode, have a think about the following:
Advance Care Planning
An Advance Care Plan encourages you to consider and best manage your future health and end-of-life cares. Have a look at Healthify
Enduring Powers of Attorney
EPOA’s give someone you trust, the legal responsibility to make decisions on your behalf should you become incapacitated. One relates to your health and welfare decisions the other to your money and property.
These powers cease after death and are assumed by the appointed Executor of your Will.
Will
Your Will instructs what you want done with your; property, money, possessions (and debts) when you die. Ensure your Will is legally valid.