- Bank Accounts and Other Legal Matters
- Financial Support
- The Funeral Service
- What Do I Do When A Loved One Dies?
We will send you a brochure that provides guidance for your family when emotions are running high. It allows you to make a record of all personal details required by the Registrar of Births, Deaths and Marriages, including valuable information such as contacts for your accountant, bank details, investments, clubs and the details of your prepaid funeral plan.
You can choose to pay for your prepaid funeral in one payment or by instalments. Hills Family Funerals accepts all usual forms of payment and can discuss the terms of payment with you at our first meeting.
The Bendigo Funeral Bond qualifies for both income and assets test exemptions for means-tested pensions and benefits paid by Centrelink and the Department of Veterans’ Affairs.
At the time of redemption of the bond the interest gained from the Australian Friendly Society is paid to Hills Family Funerals. This amount covers the increase in the funeral cost.
No, your Bendigo Funeral Bond through Hills Family Funerals will not incur capital gains tax or other tax liabilities.
By discussing the details of your preferences with Hills Family Funerals, you can ensure that sufficient funds are set aside for your requirements. The total cost of a funeral service will depend on the individual aspects that are chosen as a part of the service, whether burial or cremation is preferred, and so on. Hills Family Funerals will give you a written quote before you finalise your prepaid funeral.
Hills Family Funerals prepaid funeral contracts are provided through the Australian Friendly Society, which is associated with Bendigo Bank. The Bendigo Funeral Bond contract allows you to provide for the cost of your funeral.
Various government departments and organisations offer bereavement payments for Australian residents. The main source is Centrelink and the following are some of the areas you can expect assistance with:
Married Pensioner: Surviving partners receive a further 14 weeks of their spouses pension, usually paid in a lump sum.
Single Pensioner: The estate receives one full pension payment after the persons death.
Carer’s Pension: Entitled to a further 14 weeks pension following the death and this is paid in fortnightly payments. If the Deceased was single/widowed/divorced there may be an additional lump sum payment.
Sole Parent Pension: Entitled to a further 14 weeks pension following the death and this is paid in a lump sum.
Widow’s Allowance: If the surviving wife is over 50 and she has no recent experience in the workforce, she may be entitled to regular payments.
Please note that entitlements can change without notice. Where possible, Hills Family Funerals will seek to obtain individual information for clients, but in financial matters the Privacy Act can prevent us from making these inquiries. Depending on the history of the Deceased and the State in Australia they were in when they died, additional allowances may be payable through other institutions, including the Department of Veterans Affairs, trade unions, some private health funds, insurance companies and the Transport Accident Commission (VIC). If you are an immediate family member of a homicide victim there are other organisations you can call, such as Victim Support Service.
Centrelink has bereavement payments available to help ease the adjustment to changed financial circumstances after the death of your partner, child or person you were caring for. The following link will give you information on eligibility for bereavement payment, payment rates and other benefits while receiving the bereavement payment. To find out about the bereavement payment you may click on the link below.
Veterans Affairs has funeral benefits and bereavement payments under the VEA and MRCA. To find out about these benefits and payments you may click on the link below.
Superannuation benefits, including any insurance component, are generally released upon death regardless of the age of the member. In most cases you will need a copy of the Death Certificate, a copy of the Will and Grant of Probate or Letters of Administration. For superannuation funds held elsewhere you will need to contact the Trustee and/or Administrator of the superannuation fund for details about their death benefit notification requirements
You will need to continue paying your loan and interest will still accrue on the account until the loan is finalised. If you are unable to meet your regular loan repayments, you will need to contact your bank and discuss the options available.
If the Deceased person had a credit card, you’ll need to cancel any existing direct debits attached to the card. If the deceased was the primary cardholder, the card needs to be cancelled, which will cancel any secondary cardholders cards automatically. Secondary cardholders may then apply for their own card, subject to the banks normal lending criteria.
Banks are unable to remove the name of a customer from a joint account. Where the account can be operated jointly by either party independently, the surviving party has access to the funds. These funds can be transferred into a new account and the joint account closed. Where two or more signatures are required to operate the account, some different restrictions apply. Your bank can explain these in more detail.
An Executor, Executrix, Trustee, Administrator, Legal Representative or Next of Kin can apply for Probate. This person will need to contact the Supreme Court in the state in which the Deceased’s assets are held to initiate the process. You should seek advice from Centrelink, the Public Trustee or your Solicitor.
Probate is the legal process of proving a Will, appointing an Executor, and settling an Estate. It’s more widely understood as the legal process whereby a Deceased person’s Estate is administered and distributed.
A Power of Attorney is no longer valid once the donor has passed away. If you were appointed as an attorney by the Deceased, you can no longer rely on the Power of Attorney to access bank accounts or conduct any other transactions on behalf of the Deceased.
The Executor administers the Will. They are charged with locating the Will and following the Will’s instructions for funeral requirements, collecting all assets, finalising outstanding liabilities and distributing the assets in accordance with the Deceased person’s instructions.
The decision of what advice and support you require is one that only you can make. Things that you should take into consideration are the size of the Estate, as well as the variety of the assets including real estate and investments, the number of beneficiaries, their location and whether you anticipate any disputes to arise through the process.
If there is no Will, the Next of Kin will need to act on behalf of the Estate or an Administrator will need to be appointed by the Supreme Court in the State or Territory where the assets are being held.
Each state and territory has a government register for births, deaths and marriages. Your funeral director will lodge an application on your behalf for a copy of the Death Certificate.
Banks will generally not release funds from the Deceased customer’s accounts(s) to pay for these additional expenses.
Once the Executor/s or Next of Kin (where no Will exists) have provided an original funeral tax invoice or tax receipt the bank is able to release funds from the Deceased customer’s account to assist with paying the cost of the funeral. If there are not sufficient funds available in the account(s) of the Deceased to pay the funeral bill, the bank will make a partial payment with what money is available.
Probate or Letter of Administration
Disposal of Body Certificate
(Newspaper clippings are not acceptable)
You need to notify the bank either in person or in writing. You will need to provide Proof of Death.
The most commonly asked questions regarding deceased bank accounts are listed below. Please note that this is general information only, you can contact your bank for information more specific to your circumstances:
Westpac Bank Deceased Estates Team – 1300 130 240
ANZ Bank Deceased Estates Team – 1800 237 170
Commonwealth Bank Deceased Estate Hotline – 1800 686 153
St George Bank Estates Management – 02 9767 1164
In most states, the Department of Births, Deaths and Marriages takes up to 21 days to issue a death certificate.
Hills Family Funerals can help you source finance for funeral services from an approved finance provider when we meet with you.
Hills Family Funerals also offers a government regulated pre-paid funeral plan, where you can arrange and purchase your funeral in advance and at today’s prices. Please click here for more information.
Hills Family Funerals accepts all usual forms of payment including credit cards and direct bank deposits. We will ask for a deposit to cover our direct outgoings with the balance due within 21 days of the service.
Families are understandably concerned about the cost of a funeral while they are already dealing with the grief and practical issues after the loss of a loved one.
The total cost of a funeral service depends on the individual aspects that are chosen as a part of the service, whether your loved one will be buried or cremated and if they had a prepaid funeral plan before they died. Please feel free to call and discuss the details that you would like to have included.
Our Code of Ethics requires that at the time of the Funeral Arrangement we give a written quotation of all funeral charges and disbursements.
Your loved one may be clothed as the family desires, including jewellery however anything remaining with the body will be unrecoverable. Personal items, jewellery, or clothing the family want to save must be removed before cremation. It is recommended that jewellery be removed after death. Once a coffin has entered the crematorium grounds the coffin cannot be opened.
If you would like donations to be made to your loved one’s preferred charity, we can arrange and collect these in their name. We can provide instructions on our website for family and friends to make a donation, as well as assist with a discreet donations box and relevant details on the charity at the service.
Whilst not compulsory, newspaper advertisements continue to be an important way of advising friends and family of a persons death and their funeral details. Newspaper advertisements are however getting more expensive, and we suggest that you consider placing a smaller advertisement in the newspaper that directs readers to an online funeral notice and obituary on our website. Directions to the notice can also be made via social media such as email and facebook. We would be pleased to discuss this during our Arrangement Meeting.
We can help you organise flowers you would like to include. The choice of display, simple or elaborate, is down to personal choice. You may like to consider your loved one’s favourite flower when making your choice.
We can assist and guide you in your choice of floral display with a wide variety available at our Arrangement Meeting.
We can also provide directions on our website for family and friends who wish to send flowers for the service. If you would prefer, we can collect and manage donations to your loved one’s preferred charity in their name instead of sending flowers. Our website has a section where these contributions can be made
Hills Family Funerals offers a tailored after funeral function service, providing a place for reflection with friends and family after the service.
We can offer the exclusive use of our elegantly furnished function centre, conveniently positioned adjacent to our chapel in Rouse Hill. We have a range of catering options, which have been selected for their quality and variety. Please click here for more information on the Hills Family Chapel and Function Centre. Alternatively, we can arrange for catering to be supplied at your home or at a location of your choice.
You may like to nominate four or six people to act as pall-bearers carrying the coffin. It is usually a great honour for many people to be asked to pay this last respect and act as a pall-bearer. While traditionally men were chosen for this role, there is no protocol that precludes women from being asked to be pall-bearers.
The person reading the eulogy is usually someone who personally knew your loved one. They may never have prepared a eulogy before and may also not be familiar with public speaking. Alternatively, the eulogy can be prepared by the family and delivered by the person officiating. Guidelines on writing a eulogy can be found here.
As it’s impossible to predict what emotions close family and friends will feel on the day, having someone on hand who can step in and calmly take over a reading or Eulogy at the last moment, if a speaker feels overwhelmed, is a good idea.
We can offer a wide choice of coffins or caskets ranging from budget options to fully imported Italian and US styles. Many are on display at our funeral home at Castle Hill.
Another choice is the environmentally friendly LifeArt coffin, which is an Australian concept. These are available in a selection of styles that can be further personalised to reflect the spirit of the individual.
Whether or not you would like children to attend the funeral service is a personal choice and ultimately will be up to parents or guardians.
It is often helpful for children to attend the funeral service, as they need to say goodbye in the same way as adults.
We have well researched literature regarding children and mourning. Please ask for a copy at the Funeral Arrangement.
A funeral is more than a way to say goodbye, it’s an opportunity to celebrate the life of someone special. A funeral can be as unique as the individual being honoured and reflect any aspect of a person’s life and personality. Richard and Deborah have spent over 25 years helping families plan varied styles of service or celebration and can discuss with you ideas for creating a unique, personalised funeral.
With a specific choice of music (recordings or musicians), readings and even the venue, there are several areas where personal touches can be included. Hobbies or pastimes can be incorporated as well.
Hills Family Funerals is able to produce a DVD that can be played during or after the service to pay tribute to your loved one by remembering important aspects of their life, highlighting their personal story, interests and hobbies.
Ideally, the person conducting the funeral service should be someone comfortable with public speaking and who can handle the occasion sensitively. This can be a clergy member, a celebrant, a member of family, or a friend. It is not vital for the chosen person to have experience, although it can be helpful.
Some families choose to hold a viewing, enabling family and friends an opportunity to say their last goodbye, while others prefer a closed coffin that is farewelled at the funeral. Religious or cultural beliefs may dictate whether a viewing of the body is to be held. It is a matter of choice, although you may wish to consult with family members before making a decision.
Funerals fill an important role for those mourning the loss of a loved one. By providing surviving family members and friends a caring, supportive environment in which to share thoughts and feelings about the death, funerals are the first step in the healing process.
Giving family, friends and associates an opportunity to say goodbye can help significantly following the death of someone close. Often, stories and anecdotes are shared and sometimes even discovered this way. A public funeral can give a meaning and moment to positive memories which will otherwise be lost.
However, you may wish for privacy as you grieve. We understand and respect the choice of holding a private celebration, if that is your wish.
If you do not wish to have a service, we can still assist you with all the practical arrangements.
You may choose to hold the funeral service at your loved one’s place of worship, or another location that holds special significance to them. Alternatively, Hills Family Funerals is able to offer our own historic chapel and function centre at Rouse Hill. We can also help you organise a funeral service at a range of venues throughout Sydney.
The decision of burial or cremation is based on your understanding of your loved one’s wishes. In our experience, around 80% of funerals are cremations and 20% burials. We are able to assist you with whatever option you choose.
Each cremation is individually supervised, making sure all the ashes, including the coffin, are returned to you. A Hills Family Funeral Arranger is able to answer any further questions you may have regarding burials or cremation.
When you contact us we will arrange an appointment at your house or our funeral home at a time to suit you.
Whether your loved one dies at home, in a nursing home, or in hospital, Hills Family Funerals is available to advise you on what to do next. Our experienced team are available 24 hours a day, seven days a week to guide you through the process of bidding farewell.
When you contact us our primary consideration is for the immediate care of the deceased. We will then arrange an appointment at your house or our funeral home to commence the planning of the funeral service.
When Richard or our staff meet with you to arrange the funeral, they will take the time to guide you through the details of the service and will organise and co-ordinate your needs. We strive to make the service as personal as we can and for that we need your imput. Our experience tells us that there are many aspects to consider. To get you started we have created an overview of the options available so that you can get the most out of your Arrangement Meeting.