What are death, funeral and burial expenses
These are expenses associated with death, funeral or burial of a dependant.
Eligibility conditions for death, funeral and burial expenses
If you're applying to pay death, funeral, or burial expenses of a dependant, you must meet the following 3 eligibility conditions:
- Condition 1 – the person has recently died.
- Condition 2 – your relationship with the person met the criteria of a dependant.
- Condition 3 – the expenses you're applying for solely relate to the death, burial or funeral of your dependant.
Where the expense has already been paid by borrowing money, you still must have met these criteria for the expense that has occurred or is due to occur. You also need to meet the additional eligibility criteria for the borrowed amount.
Expenses that may be eligible
Expenses that may be eligible include:
- the death certificate fee
- professional service fees required for the funeral or burial, including venue hiring costs, celebrant or clergy fees, flowers or public advertising
- burial fees, including the coffin, casket, cemetery fees and burial plot
- cremation costs, including the urn
- interment (burial) fees for cremated ashes
- transportation of the deceased to and from the funeral service, or the city or country of burial.
Expenses that are not eligible
The following expenses are generally not eligible, as they are considered to be the result of personal decisions rather than the necessary funeral or burial expenses:
- expenses associated with a wake
- expenses for a headstone
- payment for a monument
- expenses that are not considered essential to conduct a funeral or burial, such as dove releases or entertainment
- pre-payment of your funeral expenses.
Evidence for the expense
If you're applying to pay for expenses associated with the death, funeral, or burial expenses of your dependant, you will need to provide the following:
- One of the following documents as proof of death
- copy of your dependant’s death certificate (this includes a provisional death certificate)
- copy of your dependant's coroner certificate
- letter from your dependant’s registered medical practitioner or funeral provider on their letterhead, signed and dated, stating
- that the dependant has passed away
- the date of death
- the medical practitioner's Australian Health Practitioner Regulation Agency number (for registered medical practitioners only).
- If the dependant is not your spouse or your child under 18 years old, you need to provide evidence that shows you were in an interdependency relationship or substantial financial dependency relationship.
- A quote or invoice.
Where the expense has been paid by borrowing money, additional documents are required.
Example: funeral of a dependant
Dimitri makes an application for compassionate release of super to pay for the funeral of his partner, Suzanna.
Dimitri includes a letter from Suzanna’s registered medical practitioner which says that Suzanna passed away 2 weeks ago. He also provides an invoice from a funeral company itemising the death certificate, professional fees, coffin and celebrant.
The invoice notes that the total amount was $12,000 and that $4,000 has been paid. There is a balance due and payable within the next month of $8,000.
Dimitri says that he paid the initial $4,000 from his savings as the funeral company required a deposit, but he wants to both recoup the $4,000 and pay the outstanding amount of $8,000.
In this case, we consider Suzanna was a dependant of Dimitri as they were spouses. Therefore, we can approve release of $8,000. We can't approve release of the $4,000 as we can only approve the release to pay the outstanding balance of the expense.
End of example