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Maggie Smith farewelled in emotional funeral

Dame Maggie Smith has been farewelled in a "poignant but not sad" funeral service. The intimate service was attended by Smith's closest friends, family and colleagues, as mourners gathered at the Mortlake Crematorium in London to celebrate her life. According to one attendee, guests paid tribute to the late actress with "brilliant eulogies" and by "belting out hymns", with the service described as "beautiful, warm, and full of laughter". "Such a beautiful goodbye to Maggie Smith today," the guest said. "It was warm and funny and full of love and brilliant eulogies, with the best hymns bringing belted out by all. It was poignant but not sad because hers was a life so richly lived." "I knew her because of [the guest's husband's] decades of working with her but I adored her." "[The guest's daughter] was traumatised when she first met her as she knew her as the terrifying housekeeper Mrs Medlock in The Secret Garden! Maggie was as funny and sharp as it gets. One of the greats." The news of Dame Maggie Smith's <a href="https://oversixty.com.au/health/caring/harry-potter-stars-pay-tribute-to-dame-maggie-smith" target="_blank" rel="noopener">death</a> was confirmed by her family, who announced she has died on September 27th at the age of 89. Smith's sons Chris Larkin and Toby Stephens wrote in a statement, “She passed away peacefully in hospital early this morning, Friday 27 September." “An intensely private person, she was with friends and family at the end. She leaves two sons and five loving grandchildren who are devastated by the loss of their extraordinary mother and grandmother.” Image credits: Daily Mail

Caring

"Disgraceful": Government red tape causes funeral to be cancelled

A local council has cancelled a funeral just 24 hours before it was set to take place due to government red tape. Ever since Shellharbour local Judy passed away, her brother Ron had been working hard to give her a decent send off. However, less than one day before her planned funeral, the Shellharbour Council cancelled the service over an unpaid burial fee. Ron had been liaising with two government agencies to get payment to council for the burial, which <a href="https://9now.nine.com.au/a-current-affair/sydney-council-cancels-funeral-after-government-fails-to-pay-burial-fee-on-time/60cfa883-6a45-4ff7-badd-1a2e4c52b6aa" target="_blank" rel="noopener">A Current Affair</a> said was a matter of one government organisation waiting for a simple sign off from another government agency. Confirmation of the payment came through just one day after the funeral should have gone ahead. Ron was left heartbroken over the cancellation and said the council was "very disrespectful" in their dealings, and said he is owed an apology. "Disgraceful in fact. Low-life mongrels to do that to any family in this sort of situation," Ron told ACA. He says the most devastating part was calling family one by one, including Judy's intellectually disabled son, to deliver the news, as he recalled, "He was in tears. I had to get his support worker over just to calm him down." Shellharbour City Council told A Current Affair via email it was "unable to grant interment rights which are legally required before a burial because the fee hadn't been paid". They went on to say in a statement, "Shellharbour City Council acknowledges the complexity of the burial process and apologises for the hurt the family has experienced." Image credits: A Current Affair

Legal

Aussie mum jailed after faking her own death for major insurance payout

A Perth woman who faked her own death to secure a $700,000 insurance payout has been sentenced to three years behind bars. Karen Salkilld, 43, an F45 gym franchise owner, claimed she died in a car accident in Broome in December 2023. The mother-of-two, also provided a falsified death certificate, a coroner report and funeral documents, when she made the claim in January. A month later, she received more than $718,000 from Insuranceline, which she accessed by posing as her former partner who was the beneficiary of the sum and opening a bank account in her name. The "relatively sophisticated" scheme was initially successful, until police became suspicious and froze her account after she moved large amounts of the money around, according to Nine News. Salkilld had to visit Palmyra Police Station in person to certify her fake documents, but after three visits, officers realised something was up and arrested her in March. There is no evidence that her former partner knew of the crime. The fitness instructor admitted that she got the idea from a movie after she fell into debt, although she didn't specify which one. "Your offending could not be described as opportunistic," Judge Vicki Stewart told Perth District Court said in sentencing the fitness instructor. "It was calculated and required both effort and persistence." "You were living beyond your means and over-committed yourself," Stewart added. Salkilld pleaded guilty to gaining benefit by fraud and knowingly using a false record to defraud, and was sentenced to three years in prison on Monday. She was ordered to pay a $101,771 compensation to the insurance company. A restitution order for funds in the bank account was also issued - one for $549,195 and another for $67,995 - with the latter being held in the bank's fraud recoveries account. Speaking to Nine News outside court after the sentencing, Salkilld's estranged sister Ann said "it doesn't surprise me that she is capable of doing things like that." She will be eligible for parole in February 2026. Image: Nine News

Legal

Nicole Kidman bids farewell to her mother at intimate funeral

Nicole Kidman has said a tearful goodbye to her beloved mother, Janelle Ann Kidman, during an intimate funeral service held at St Francis Xavier Catholic Church in Lavender Bay, Sydney. The 57-year-old Oscar winner was supported by her husband, country music star Keith Urban, and their two daughters, Sunday Rose and Faith Margaret, as family and close friends gathered to honour Janelle’s life. 84Janelle Kidman, 84, <a href="https://www.oversixty.com.au/health/caring/nicole-kidman-confirms-heartbreaking-family-news" target="_blank" rel="noopener">passed away in early September</a> after a long illness. The family, including Nicole's sister, journalist Antonia Kidman, and Janelle’s eight grandchildren, shared moving tributes at the service. Among them was TV host Lucia Hawley, the eldest of the grandchildren, who gave a heartfelt speech. The service was also attended by a number of notable figures from Australia’s entertainment industry, including actor Russell Crowe, broadcaster Peter Overton, and his wife, television personality Jessica Rowe. The news of her mother's passing reached Nicole while she was in Venice, Italy, for the Venice Film Festival on September 8, where she was being honoured with the Best Actress award for her role in the upcoming thriller Babygirl. Unable to attend the ceremony, director Halina Reijn accepted the award on her behalf and read a touching message from Kidman, in which the actress expressed her grief. “Today, I arrived in Venice to find out shortly after my brave and beautiful mother, Janelle Ann Kidman, had just passed,” Kidman’s statement began. “I’m in shock and I have to go to my family, but this award is for her. She shaped me, she guided me, and she made me. I am beyond grateful that I get to say her name to all of you through Halina. The collision of life and art is heartbreaking. My heart is broken.” Janelle Kidman’s cause of death has not been publicly disclosed, but she had reportedly been battling health issues since 2016 when she suffered a suspected heart scare. Her passing comes nearly a decade after the death of her husband, Dr Antony Kidman, who died of a heart attack in Singapore in 2014. Kidman, who divides her time between Nashville, Manhattan, and Australia, remains close to her family despite her international career, often speaking about the pivotal role her mother played in her life and career. Images: 9News / Instagram

Family & Pets

Mother's heartbreaking farewell at bullied daughter's funeral

<em style="box-sizing: border-box; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Warning: This article contains discussions about suicide that some readers may find distressing. The mother of 12-year-old Charlotte Frances O’Brien, a victim of relentless bullying, broke down at her daughter's funeral in a heartbreaking farewell, expressing her anguish and grief. Charlotte, a Year 7 student at Santa Sabina College in Strathfield, Sydney, tragically took her own life on September 9, leaving her family, friends and community devastated. Hundreds of mourners gathered at Mary Immaculate Catholic Church in Bossley Park on Friday for the solemn service. Many wore pink ribbons in their hair, a tribute to Charlotte’s favourite colour. The student body of her primary school was given the day off to attend the funeral. As the service began, Charlotte’s parents, Mat and Kelly, struggled to hold back tears as they carried their daughter’s casket, adorned with lavender and butterflies, through the church. During an emotional eulogy, Kelly expressed her profound love for her daughter, saying, "I will grieve the life you never had." Kelly described Charlotte as her soulmate and best friend, recalling moments of joy and love they shared. “The first moment I held her in my arms will always be the best day of my life," she said tearfully. "I knew within a moment of being her mother that I had met my soulmate." Charlotte's stepfather, Mat, also spoke lovingly of her, recalling her kindness, bravery and the special bond they shared. He read from her final Father’s Day card, where she affectionately described him as “more than a captain”, expressing the deep love she held for him. A poignant slideshow of Charlotte’s life played during the service, accompanied by the song "You Are Not Alone". The photos showed Charlotte smiling and laughing with friends, celebrating birthdays and cuddling her newborn brother, offering glimpses of her joy-filled yet short-lived childhood. The service concluded with Kelly clutching a stuffed penguin, a symbolic farewell to her beloved daughter. Outside the church, mourners gathered around, throwing petals onto the hearse before it departed for the cemetery. While Charlotte’s parents did not directly address the bullying their daughter endured, the presiding priest highlighted the alarming statistic that one in three children worldwide are bullied, urging the community to reflect on their role in combating this issue. “There is a responsibility in the world, starting at home and in our communities. We must grow our hearts and minds in God’s work and continue to move forward,” he said. Charlotte’s death has left a lasting impact on her family, friends, and school community, sparking renewed conversations about the urgent need to address bullying in schools and beyond. <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Need to talk to someone? Don't go it alone. <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Call Lifeline on 13 11 14 or visit lifeline.org.au <p style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; background-color: #ffffff;">Beyond Blue: 1300 224 636 <em style="font-weight: bolder; background-color: #ffffff; color: #212529; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; box-sizing: border-box;">SANE: 1800 187 263; saneforums.org Images: 7News

Family & Pets

"You will be so missed": Slain brothers farewelled in emotional funeral

Ben and Russell Smith, who were <a href="https://oversixty.com.au/health/caring/grief-stricken-father-breaks-silence-after-sons-found-dead" target="_blank" rel="noopener">fatally stabbed in their Blue Mountains home</a>, have been farewelled in an emotional funeral. More than 750 people gathered to pay tribute to the young boys, aged 9 and 11, as the boy's father delivered a heartbreaking eulogy. Mourners embraced outside the church, with father Nick Smith saying his children were “the biggest pleasures and joys of our lives”. “Boys, it’s been an absolute, absolute privilege to be your father. I hold you so deeply in my heart,” Mr Smith said. “You are loved by your family, through your friends, through the community, through the school, through your soccer club, through the Panthers, throughout society." “You will be so missed. You had such beautiful little lives, such beautiful, beautiful adventures, and we had so much more adventure to come." He said Russell was "outgoing, kind, determined, caring and thoughtful, adventurous and just a heart of gold, who no matter what wanted to help". Mr Smith described his other son Ben as a "sweet boy", adding, "The one name you gave yourself was Ben Jelly, and it stuck." Mr Smith said he would make sure his sons are “never forgotten”. “You were such wonderful, cheeky, funny, charismatic boys,” he said. “You made the world a better place." “You’re my world. You’re my little Ben, my Russ, you’re my best crew. I’m gonna miss you two so much. Your memories are your legacy. I love you so much. I will never stop loving you. No one else will either.” The boys’ 42-year-old mother, Trish Smith, has been charged with their murder. Image credits: NSW Police

Family & Pets

"We won't recover": Grieving parents speak out ahead of daughter's funeral

Warning: This article contains discussions about suicide that some readers may find distressing. The grieving stepfather of 12-year-old Charlotte who died by suicide has spoken about the young girl's struggles with bullying as he prepares for her funeral. On Monday, Matthew remembered his stepdaughter as the “kindest, most caring little girl” whose death had followed “toxic” issues at school. “To lose a little girl at the age of 12 is something we won’t recover from,” he told 2GB’s Ben Fordham. Charlotte was a student at Santa Sabina College in Sydney’s inner west, with the Catholic school being forced to defend their handling of bullying in the wake of the 12-year-old's death. Matthew said he believed some of the responses from the school had been “unnecessary”, and claimed he had no direct communication from officials despite their public statements. “I think outside of the response from the broader community of the school I have to say I’ve been disappointed to say the least, with the response that’s come from the school,” he said. “Some of the responses that have gone into the media, I think the first response was around that there’s inconsistencies in their records and I thought that comment to go out at that time when we were grieving was unnecessary." “And since then, comments like the school’s been overwhelmed with support from other parents coming forward and saying how well they deal with these types of issues. And I’m sure they’ve had some communication and some support, Ben." “But those mothers that have given that school support, no doubt they will be planning on picking their daughter up from school today, and we are not.” Matthew went on to confirm that Charlotte's mother had repeatedly asked her daughter's school to do something about the bullying, and break up the friendship that put Charlotte through a "roller coaster". “I would not allow this behaviour to happen in my home,” he said. “I am not after any retribution for these girls … but I’m looking for the schools to step in … to act when these things are raised for the first time, not the second or third time.” Matthew said it was time school “friendship issues” were called out for what they really were, saying, “It’s not called a friendship issue in the workplace.” The year 7 student took her own life on September 9th, leaving a note to her parents that included names of those she wanted at her funeral and others who had made “life too hard”. It also instructed her mother, Kelly, to “tell the school please”, with the note reading, “Mama, please share my story to raise awareness.” The family are preparing to farewell her at a funeral on Friday, and have asked those who wish to send flowers to instead make a donation to the <a href="https://inmemoryofcharlotte.raiselysite.com" target="_blank" rel="noopener">Kids Helpline</a>. Need to talk to someone? Don't go it alone. Call Lifeline on 13 11 14 or visit lifeline.org.au Beyond Blue: 1300 224 636 SANE: 1800 187 263; saneforums.org Image credits: 2GB / Kids Helpline <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;">

Caring

Family and friends farewell Sam Landsberger

Sam Landsberger's family and friends have said their final goodbyes to the beloved sports journalist. The Herald Sun AFL and cricket reporter was talking on the phone with his mum while on the way to meet a friend when he was <a href="https://www.oversixty.com.au/health/caring/he-was-at-peace-sam-landsberger-s-parents-break-silence-after-sudden-death" target="_blank" rel="noopener">hit by a truck</a> at the intersection of Bridge Rd and Church St in Richmond, Melbourne on August 20. The 35-year-old later died at The Alfred hospital from his injuries. Hundreds gathered to farewell him at a funeral service at the Temple Beth Israel synagogue in St Kilda. His parents, Jake and Anne, have remembered their youngest child and only son as a "caring and wonderful" person. “Approximately 22 years ago our family stood in this same spot in this wonderful big hall celebrating Sam’s bar mitzvah, now we find ourselves in this exact hall in utter and complete devastation,” Jake said. “I heard so many stories that parents should never ever have to bury their children, yet this is what we are doing. “He was a dedicated, hardworking journalist who loved his job. “He brought so much joy to our lives. He lit up every room he entered, yet he lit up our entire lives.” His father also said that Sam's second grade teacher called him a "diamond" and it was the perfect word to describe him. Jake also recalled his favourite story about his son when he was 10 years old. “Sam had vomited all over his front, his chest was bright yellow,” he said. “I picked him up over the fence and we walked into the rooms to check him over … (only to learn) the reason he was sick was he’d just consumed a jumbo box of Cheezels. “From that time on, every member of the club would call him Cheezels. “At this moment it’s indescribable devastation we feel but also underlining gratitude for what he gave, a beautiful, gorgeous, caring young man who will never be forgotten and always be in our hearts.” Sam’s mother, thanked Herald Sun cartoonist Mark Knight for the <a href="https://www.instagram.com/p/C-9BuSHTic-/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==" target="_blank" rel="noopener">"wonderful tribute"</a> that captured his spirit and likeness to his maternal grandfather. “I delivered Sam, I nurtured Sam and I am so grateful that I was with him at the end,” she said. “There will always be a massive hole in my heart. I love you and will forever. “Rest in peace my darling boy, I love you.” <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/C-9BuSHTic-/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/C-9BuSHTic-/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Mark Knight (@knightcartoons)</a> </div> </blockquote> His older sister also talked about their heartbreak at losing their little brother, with a message from his niece being read out. “Dear Sam, I’m really going to miss you. I loved how you would push me on the swings...Thank you for teaching me about the Bulldogs. I’m sad I won’t get to see you again. Love Zara.” Another friend, Will Kim, revealed Sam was due to be best man at his wedding later this year. “I thought he’d be the one making a speech and saying nice things about me, not the other way around,” he said. “How cruel and unpredictable life can be.” Since news broke of Sam's death the footy community have shared their fond memories of him. “The entire AFL footy community is shocked and saddened to hear of the sudden death of Sam in a tragic road accident,” his online funeral notice stated. “His enthusiasm for the game and passion for his work was always evident and his positive approach and friendly nature will be fondly recalled by all who knew and worked with him. “Sincere sympathies to Jake, Anne, Jess, Sarah and all of his extended family, friends and colleagues.” The truck driver that struck Landsberger is due to appear before Melbourne Magistrates Court on September 19. While he underwent the standard roadside alcohol and drug tests, which were both negative, he was charged for refusing to provide a blood sample to police. He has also been given a notice banning him from driving until his first court appearance. Images: Herald Sun

Caring

Quirky grandfather shocks Today hosts with unusual funeral plans

Michael 'Skip' Field has decided he doesn't want his family crying for him at an ordinary funeral when he dies. Instead, the quirky Queensland grandfather wants a celebration for his final send off and wants his family to remember him in a very unique way. Skip shared his funeral plans with Today hosts Sarah and Alex, who were perplexed by Skip's plans for his final send-off. "I've been to a lot of funerals over the years, I'm an old fart and I never enjoyed any of them," Skip said. "So come the time I turn toes up, they're going to cart me off to the crematorium for a big barbecue, where I'll be the guest of honour, then when the heat dies down, they're going to put me in a little shoe box and give my young son a ring," he said. "He'll come and pick me up and I'm an avid cowboy shooter, we load our own ammunition and one of the things that happens to cowboys when they pass on is they have a cowboy salute where you get a big, long line and everybody fires a shotgun, bang, bang, bang, bang, and have a salute." "Well, I'm going to get my ashes mixed into the shotgun shells and donate the shotgun shells to the range and they can shoot me off down the range." "Plus all the smoke that comes out at the end of the barrel is a bit blue, but being a Queenslander, I've got a bit of maroon chalk that's going to go in with the ashes, so when they come out at the end of the barrel it's going to be a maroon tinge on it," he said. Today hosts Sarah and Alex were gob-smacked by the idea of Skip donating his ash-filled bullets to the local firing range, but that's not all he has planned. "The other thing is a friend of mine's got a cannon and we're going to shoot part of the ashes out of the cannon at Pleasant Range near Dalby," he said. "Then the kids don't need a big, morbid ceremony, so they're going to have a party here at my house and I bought this thing called the 'loved one launcher' that is like a giant party popper, you put your ashes in and it'll shoot you 75 yards into the air with confetti and streamers and all that - Yeehaw! It's going to be great." Skip said the whole process cost less than getting a casket for the ground and it would be the last big thing he gets a say in. Image credits: Today

Retirement Life

Why Ray Martin is planning his own funeral

Ray Martin is planning his own funeral as he prepares for his 'Last Goodbye', as part of an eye-opening new series. The veteran journalist will be planning his memorial service for an upcoming SBS documentary series which explores cultural traditions surrounding death. The three-part series, called Ray Martin: The Last Goodbye, will explore various taboos surrounding death with comedic and witty anecdotes. The series will investigate various funeral trends and rituals around the world and will address some deep questions, including why people choose certain ceremonies, songs and resting places, and how geography, religion and social class impacts these choices. At 79 years old, Ray said in a statement that statistically he is only four years away from his own death and wants to explore the topic with a serious yet funny nature. <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/C9QoU-goAtY/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/C9QoU-goAtY/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by SBS Australia (@sbs_australia)</a> </div> </blockquote> Martin will also have a range of special guests on the show, including veteran presenter Gretel Killeen, 61, and comedian Alex Lee. SBS Commissioning Editor Bethan Arwel-Lewis said, "At SBS we aren't scared to tackle those subjects that are sometimes provocative or difficult in our programming." "So an exploration of death – one of our last taboos is the perfect subject for us to lift the lid on, and who better to take us into this world and get us talking and even laughing about death, than Ray Martin." Last year, Martin insisted that he still has a lot of life left in him, as he grows older gracefully and continues to work. "I'm never going to retire. David Attenborough is in his 90s and he's my role model. He says you've got to keep doing what you love," he told Woman's Day magazine. Ray Martin: The Last Goodbye will premiere on Wednesday, August 14 at 8.30pm on SBS and SBS On Demand. Image credits: SBS

Daryl Somers receives unique gift at John Blackman's emotional funeral

The who's-who of Australian TV have turned out to farewell John Blackman at an emotional funeral in Melbourne. Hey Hey it's Saturday host Daryl Somers led the tributes to his late friend, reflecting on their decades-long friendship and side-by-side career. "He was so wonderful and he was so sharp and saw humour in everything. John was an optimist and we loved him so much,” Somers said. During the heartfelt memorial, Somers received a precious gift from Blackman's wife of 52 years Cecile, who gifted him the famous Dickie Knee puppet to the remaining Hey Hey It's Saturday stars. John Blackman's co-stars from across three decades of Australian TV were also in attendance, with Wilbur Wilde, Red Symonds, Eddie McGuire and Nine's Livinia Nixon among mourners. "There was a whole lotta love in the room, for him, for everything that he's done for everybody, for the kindness he's shown everyone," Nixon said. Mourners reflected on his quick wit and most famous character Dickie Knee, who took the mickey out of some of the biggest stars of the time. "A very sad day though it's kind of a very special time, all that time in variety. And another one's gone," Entertainer Rhonda Burchmore said. Some of Blackman's old radio colleagues also paid tribute, with veteran 3AW presenter Philip Brady saying, "We became best buddies a long, long time ago and had so many laughs together over the years." "And I'll be forever grateful to John for the humour he brought into our lives. He really enriched our lives and we are poorer for his passing." At the time of his death, Blackman had been suffering bone and skin cancer, and had undergone major surgeries to control the disease. Image credits: Nine

Caring

“Just return it”: Tragic appeal after grandma’s home robbed during her funeral

A family has been left "traumatised" after the home of their 81-year-old grandmother was broken into by heartless thieves on the day of her funeral. The house of 81-year-old Nola Bulkeley was targeted last Friday as her family and friends farewelled the mother of three and grandmother of 10, after she died from pancreatic cancer on May 27th. Nola's son Andrew recalled the moment they found out about the robbery, telling 2GB radio on Monday, "Some of the children and grandchildren went back to the house and when they arrived, they discovered that someone had accessed the house and taken a range of things." "Not only was it very, very sad, but it was confronting. Was someone else still in the house? We just didn't know. [We were] a bit blown away and it brought the wake to a pretty quick end." Andrew went on to describe Nola as a "wonderful woman" and "special grandmother", as their family continue to grieve their loss. "Mum lived in that house for 42 years and not once did someone access it in that way, it's very disappointing," he said. "Mum didn't have a lot of expensive jewellery but she had a whole little range of items that over the years she talked about with the grandkids." "She'd talk about when she left Earth... she'd be pleased to see them have it." He urged those responsible to return the jewellery, saying, "Please, just return it ... just leave it on the front doorstep, or something like that." "It's really broken the family's heart. I thank God she was not there to experience this injustice. She would have been so upset." Nola's grandchildren, who had been staying at the house in Sydney's north-west, discovered the theft when they returned to the house after the wake following Nola's funeral. Nola's daughter-in-law Celine said her three children felt "traumatised" by the break-in, saying, "We feel she has been violated ... her special items have been taken." Police were called to the home and forensic experts carried out an examination to identify the thieves, with the investigation still ongoing. Image credits: 2GB

Legal

Rise in insurance premiums set to devastate Aussies

Australians struggling with the cost of living are set to be hit with another blow to their wallets as health insurance premiums rise. Coming into effect on April 1st, private health insurance premiums are set to rise by more than 3 per cent, in the biggest increase in five years. The federal government has approved an average industry premium rise of 3.03 per cent, which will impact 14 million Australians paying for private health cover. The 2024 increase is slightly higher than a rise of 2.9 per cent in 2023, and 2.7 per cent in 2022 and 2021. In 2019, premiums rose by 3.3 per cent, making the 2024 rise the biggest in five years. Health Minister Mark Butler said the rise was smaller than the increase in wages, the age pension and inflation. “I wasn’t prepared to just tick and flick the claims of health insurers, as the opposition asked me to do,” Butler said. “I asked insurers to go back and sharpen their pencils and put forward a more reasonable offer for the 15 million Australians with private health insurance.” “Private health insurers must ensure their members are getting value for money,” Butler said. “When costs rise, Australians want to know that higher premiums are contributing to system-wide improvements like higher wages for nurses and other health workers and ensuring that affordable services are available.” Image credits: Getty Images

Money & Banking

Hundreds of mourners seek change after Vyleen White funeral

The tragic death of Vyleen White, a beloved grandmother from Queensland, has not only left a family grieving but has also ignited a fervent call for justice and societal change. As her loved ones gather to mourn her passing, they are steadfast in their determination to ensure that her memory is defined not by the senseless violence that took her life but by the love and compassion she embodied. Vyleen White's daughter, Cindy Micallef, eloquently captured the essence of her mother's life during an emotional eulogy at the funeral service on Thursday, saying that that her legacy will endure through the love she shared and the lives she touched. White, a vibrant 70-year-old known for her unwavering kindness, <a href="https://www.oversixty.com.au/health/caring/grandmother-fatally-stabbed-in-front-of-granddaughter" target="_blank" rel="noopener">was tragically stabbed</a> outside a shopping centre in Redbank Plains, sparking outrage and prompting a community-wide outcry against youth crime. Despite the profound grief felt by those who knew her, Micallef expressed a firm resolve to seek justice for her mother. With a steely determination, she declared that her family would not rest until those responsible were held accountable. “We want to move forward and mum’s legacy will live on and we’re not going to let that go,” Micallef said. “We’re going to make sure we get justice for mum and nothing will stop us until that happens.” The impact of White's death reverberated beyond her immediate circle, prompting widespread calls for reform in the Queensland community. Proposals for tougher youth justice measures, including "Vyleen's Law", seek to address the root causes of youth offending and ensure that perpetrators face appropriate consequences for their actions. Additionally, legislative changes aimed at improving transparency in court proceedings and restricting access to weapons underscore a commitment to preventing further violence. Amid the grief and outrage, White's family and friends fondly recalled her vibrant spirit and unwavering love. Whether it was her devotion to her beloved cat, her infectious laughter, or her boundless capacity for compassion, White's presence left an indelible mark on all who knew her. Image: Supplied.

Caring

The types of insurance that aren’t worth your while

While it’s important to make sure you’ve been covered, some forms of insurance aren’t really worth your while in the long run. We’ve taken a look at several types of insurance you shouldn’t really bother with, why they’re not worth your money and how you can find an alternative. Yes, it’s essential to make sure you’re covered, but at the same time you don’t need to waste any money. Extended warranties Many a salesperson has made a customer fork out that little bit extra for an “extended warranty” to go with a major electronic purchase. The thing is though, in many cases the period of time covered by the warranty is actually exactly the level you’re automatically entitled to under consumer law. Credit protection insurance While this type of insurance can be useful and a way to insure yourself against the possibility of something happening to your income as the result of an injury or a condition, credit protection insurance has tendency to be pretty expensive. A more cost effective way to ensure your payments to your credit card, personal loans or mortgages are fulfilled would be to take out a life insurance or total and permanent disability insurance policy through your individual superannuation fund. Funeral insurance Many people see this as a good way to ease the financial burden on their family that comes with their passing, but in reality funeral insurance is quite expensive and the premiums add up every year. A far better option is a prepaid funeral, funeral bonds life insurance or even a special savings account with money set aside. Just make sure you let your family know! ID theft insurance This is one of those types of insurance that isn’t really protecting your from becoming a victim, rather helping you deal with the costs once it’s already happened. And what’s more, you bank is usually willing to cover the costs of credit card fraud, which is one of the major problems to be associated with ID theft. Instead of spending money on a policy you can protect yourself from ID theft by simply keeping your personal documents safe, shredding documents such as bank account statements before throwing them away, and using antivirus software that is up to date. You can also check your credit file each year to make sure nobody’s using your identity for fake accounts. Image credits: Getty Images

Money & Banking

“My sister-in-law announced she was pregnant at my child’s funeral”

A woman has asked for advice on how to navigate her relationship with her sister-in-law, after the woman overheard an inappropriate conversation at her child’s funeral. The grieving mother, a 28-year-old named Melissa, took to Reddit to share the heartbreaking story of how her toddler passed away after a battle with cancer. Melissa described the time as the “hardest in my life”, explaining how she felt she lost “a part of herself” after the funeral. While Melissa expected her toddlers’ memorial service to be difficult, she never predicted a family member would make it even harder. The mother said that when she heard her sister-in-law telling people about her pregnancy, she thought the move was just cruel. “She didn't make a big announcement but more than ten people at the service 'heard' and it's what everyone was talking about. To understate it, I was livid,” Melissa wrote on Reddit. Melissa’s post then asked social media users for advice, as she was unsure how much of a relationship she wanted to have with her sister-in-law after the stunt. The 28-year-old shared that she had fallen pregnant herself, and was facing pressure to have a party in celebration, but she didn’t want her whole family in attendance. “I've been working on who I want to invite, and I really don't want my SIL there,” she said. “Besides what she did, she's a vindictive and mean person and I cannot stand her.” “I mentioned it to my husband and he says he couldn't care less whether she's there or not. But for the sake of saving face, I want opinions before I do this.” She asked the online forum if she would be “an a**hole” for not inviting her, addin that she would still be inviting her husband's other sister and husband's brother's wife. “The original SIL will be the only one not invited,” she clarified. The post was flooded with comments as many backed up Melissa, slamming the sister-in-law for her selfish behaviour. “I wouldn't want someone like that around me. Announcing a pregnancy at a child's funeral is insane,” one said. “Cut her off and ignore everyone close to her. You are right to have nothing to do with her. She's totally classless.” However, others encouraged her to have an adult conversation with her sister-in-law in an attempt to mend their relationship. “Please let it go,” one person began. “This happened on a terrible day during a bad time for you. It's possible that could be clouding how you're looking at this, she may not have been malicious at all.” Image credits: Shutterstock

Family & Pets

“I’ll see you again one day”: Sister of slain doctor’s emotional tribute

Dr Ash Gordon has been farewelled in an emotional memorial service, with his family and friends joining together to honour the slain doctor. The 33-year-old died after a violent altercation following a home invasion on January 13th in the Melbourne suburb of Doncaster. Loved ones gathered at Kernot Hall, in Morwell, south-east Victoria, to honour his life and share in their grief. Funeral celebrant Elisha Dowsett opened the funeral by encouraging the mourners to “leave the anger” and focus on remembering Dr Gordon’s celebrated life. “He warmed the hearts of anyone lucky enough to cross paths with him,” she said. “He was a strong, compassionate, funny, driven, determined and cheeky man. He filled this dark and unpredictable world with genuine goodness.” Dr Gordon’s sister Natalie spoke to the congregation, sharing how she will “never get over his death”. “He was a huge part of our lives. He always encouraged me to take risks because he would say, ‘if you don’t, you’ll wonder what if’,” she said. Breaking down in tears, Ms Gordon told mourners she had promised to “take the risk and live the life I dreamt of just as he did”. “This isn’t goodbye little brother, this is see you soon. I’ll see you again one day,” Ms Gordon said. “And, when I do, I can't wait for you to tell me how bad my wrinkles are and for you to give me a big hug. Until we meet again Brother Bear.” Ash’s other sister Tammy Gordon said she “cannot express” how proud she is to call Dr Gordon her brother. “Losing a sibling is losing the person you can truly be yourself with,” she said. Following the passing of Dr Gordon, two 16-year-olds were <a href="https://oversixty.com.au/news/news/major-update-in-tragic-death-of-young-melbourne-doctor">charged</a> with murder, aggravated burglary and theft over his death. The teenagers allegedly broke into the home of 33-year-old Dr Ash Gordon, when the doctor then pursued the intruders after they fled the house. The teens then became violent, allegedly stabbing Dr Gordon several times and leaving him to die a kilometre from his home. Image credits: YouTube

Caring

7 things you should never say at a funeral

What not to say at a funeral Struggling to find the right words to convey sympathy at a funeral? Even the most well-intentioned comments can come across as hurtful instead of helpful. Here are some common phrases you should never say at a funeral –and what to say instead. Never say "I know how you feel" at a funeral Instead, say: “I can’t imagine how you feel.” By the time we’re adults, most of us will have experienced the loss of a family member, friend or colleague. What’s important to note, however, is that although the phases of grief are similar, we don’t necessarily know how another grieving individual truly feels. “Everyone’s experience is unique,” says Jaime Bickerton, executive director of Bereaved Families of Ontario in Canada. “Everyone’s loss is the worst, because it’s theirs.” It can help to think of yourself in a helper role, says author and grief counsellor, Dr Alan Wolfelt. “Walk ‘with,’ not ‘behind’ or ‘in front of’ the person who is mourning.” "Time heals all wounds" is something you should never say at a funeral Instead, say: “Take the time you need and be gentle with yourself.” “There’s no formula when it comes to grief,” says Asya Hadzismajlovic, bereavement expert. “It comes in waves.” The grieving process takes time and important dates like anniversaries and birthdays can trigger an emotional tsunami. Allow the bereaved to move through that process at his or her own pace, advises Wolfelt. “Don’t force your timetable for healing. Allow them to experience all the hurt, sorrow and pain he or she is feeling at the time.” Never say “At least he didn’t suffer,” “At least she made it to her birthday,” or “At least she died doing what she loved” at a funeral Instead, say: “I am here for you.” It’s best to avoid any statements that begin with “at least,” notes Bickerton. These sentiments are often an attempt to make dark days more bearable, but they won’t diminish the pain of losing a loved one. What the person grieving really needs is your quiet presence, says Hadzismajlovic. Check in during the day of the funeral and beyond. “People just want to be heard; to be listened to,” she says. “We say that grief shared is grief lessened.” “Let me know what I can do” is something you should never say at a funeral Instead, say: “Here’s what I can do for you…” This comment places the burden on the bereaved to reach out for help at a time when they likely don’t know what they need, explains Bickerton. Running a few loads of their laundry, tidying their house or yard and preparing meals are just a few ways to genuinely show you care as opposed to merely saying you care. “If they have 38 casseroles, make the 39th,” says Wolfelt. “Deliver it in your best dish and say you will be over in a week to pick it up. This provides you with an opportunity to check in.” Never say “She’s in a better place” at a funeral Instead, say: “She will be missed.” “Most likely, the person grieving is thinking the best place for [the deceased] to be is with them,” says Bickerton. “There’s also a danger of assuming the person ascribes to certain beliefs, which may not be the case.” Simply show your support for your grieving friend, colleague or family member, advises Wolfelt. “At the funeral, a touch of your hand, a look in your eye or even a hug often communicates more than words can say.” Never say “It was his time” at a funeral Instead, say: “I am so sorry for the loss of your precious [person’s name].” “This platitude can be particularly upsetting for the grieving person to hear as it implies a reason for the death when they may be feeling the death was senseless or irrational,” says Bickerton. Even if the loved one lived a long, full life, the person grieving would likely have been wishing for many more years together. When expressing your condolence be sure to say the person’s name, advises Wolfelt. “That way the person grieving knows you are genuinely concerned.” Never say “You need to say goodbye” or “Life must go on” at a funeral Instead, say: “He will always be remembered for his generosity/love for his family…” Statements like these tend to minimise the grief journey, says Bickerton. “Life will go on but it will look very different for the person grieving as they adjust to their new normal.” A note that shares a favourite memory or relates the special qualities you valued in the person who has passed is a thoughtful way to express your condolences before or after the funeral, says Wolfelt. “These words will often be a loving gift to the grieving person.” Image credits: Getty Images This article originally appeared on <a href="https://www.readersdigest.com.au/true-stories-lifestyle/relationships/7-things-you-should-never-say-at-a-funeral" target="_blank" rel="noopener">Reader's Digest</a>.

Caring

Free tickets up for grabs to Barry Humphries' state memorial

Australians will have the chance to pay their respects to the late Barry Humphries, with limited free tickets to his state memorial available to the public. Humphries died on April 22nd this year at the age of 89, and will be remembered for his legendary comedic characters such as Dame Edna Everage and Sir Les Patterson. His state memorial will be held at the Sydney Opera House at 11am on Friday December 15th, for those who wish to pay their respects to the entertainment giant. "The State Memorial will bring together dignitaries, family, friends and fans of Mr Humphries from across Australia and around the world to celebrate his extraordinary career and achievements," the NSW government said online. <div> Limited free tickets have also been made available to the public through the <a title="Sydney Opera House website" href="https://www.sydneyoperahouse.com/state-memorial-barry-humphries-ac-cbe" target="_blank" rel="noopener">Sydney Opera House website,</a> with fans able to snag a ticket from 2pm AEDT on Friday November 17th. Each person hoping to get a ticket will be allowed two tickets per customer to give everyone a chance to farewell one of Australia's best-loved entertainers. For those who miss out on a ticket, the memorial will be streamed online and broadcast on ABC, providing an opportunity for audiences everywhere to share in the celebration of Mr Humphries' life. Image credits: Getty Images </div>

Caring

Who really benefits from private health insurance rebates? Not people who need cover the most

<a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> The Australian government spends <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years">A$6.7 billion a year</a> on private health insurance rebates. These <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">rebates</a> are the government’s contribution towards the costs of individuals’ premiums. But our <a href="https://doi.org/10.1002/hec.4751">analysis</a> shows higher rebates for people aged 65 and older are not doing much to encourage them to sign up for private hospital cover, the very group who may benefit the most from it. This and <a href="https://doi.org/10.1080/13504851.2017.1299094">other research</a> point to these rebates largely going to people on higher incomes, ones who’d be more likely to buy private health insurance anyway. <h2>Remind me, what are these rebates?</h2> In <a href="https://www.abs.gov.au/ausstats/abs@.nsf/2f762f95845417aeca25706c00834efa/0aaf3311ebcd3646ca2570ec000c46e4!OpenDocument#:%7E:text=The%20Federal%20Government%2030%25%20Rebate,the%20means%2Dtested%20PHIIS%20rebate.">1999</a>, the Australian government introduced the private health insurance rebate. Initially, the rebate meant the government paid 30% of the cost of private health insurance for everyone, regardless of income or age. Then in 2005, the Howard government increased the rebate rate to 35% for those aged 65-69 and to 40% for those aged 70 and older, regardless of how much they earned. Over time, the rebate rates have decreased slightly and now depend on both income and age. However, the higher discount for older people has always remained. We wanted to understand whether the higher rebates for older people actually encourage them to buy private health insurance. So we looked at data from more than 300,000 people who filed tax returns over more than a decade (2001-2012). We then compared the trends in insurance coverage of people younger than 65 and older than 65, before and after the 2005 rebate policy change. <h2>What we found</h2> We found higher rebates led to a modest and short-term increase in private health insurance take-up. We estimated that lowering premium prices by 10% through higher rebates would only result in 1-2% more people aged 65 and older buying private health insurance in the next two years. This means higher rebates for older people are a very expensive way to get them to insure. People aged 65-74 with income in the bottom 25% of earners were the most likely to buy insurance in response to higher rebates that reduced premium prices. That’s an income under $21,848 in today’s money (income increased to 2023 dollar amount, in line with the <a href="https://www.ato.gov.au/rates/consumer-price-index">consumer price index</a>). <h2>What do we propose?</h2> Our findings suggest a more targeted subsidy program would be a more effective way to increase private health insurance. To achieve this, we recommend lowering income thresholds for rebates to target people of all ages on genuinely low incomes. Currently, people earning as much as $144,000 (singles) or $288,000 (families) can receive rebates. Other evidence to back our proposal comes from <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4682822">research</a> released earlier this year. This suggests higher income earners are likely to buy private insurance regardless of rebates. A recent <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies">consultation report</a> commissioned by the federal health department reviewed a range of health insurance incentives. The <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/supporting_documents/Finity%20Consulting%20MLS%20and%20PHI%20Rebate%20Final%20Report.pdf">report</a> recommends removing rebates for those with income higher than $108,000 for singles and $216,000 for families (we recommend removing them at $93,000 for singles and $186,000 for families). The report also recommends increasing rebates for those older than 65 (we believe income, rather than age, is a better marker of someone’s means). <h2>Are rebates good value for money?</h2> We also need to look at whether rebates provide value for money more broadly, and across all ages. <a href="https://grattan.edu.au/wp-content/uploads/2019/12/926-Saving-Health-2.pdf">Existing evidence</a> shows a 10% decrease in premiums due to rebates only leads to a 3.5-5% increase in private health insurance take-up among all Australians. We show this is only <a href="https://doi.org/10.1002/hec.4751">1-2%</a> for people over 65. So rebates are likely to <a href="https://doi.org/10.1016/j.jhealeco.2013.11.007">cost taxpayers more</a> than they generate in savings, and are largely windfalls to those who would privately insure anyway, often those who are financially better off. <h2>What happens if we scrapped the rebates?</h2> It is uncertain how many people would drop private cover if the rebate was removed. But based on research from when the rebate was introduced, the rebate might account for a maximum <a href="https://escholarship.org/content/qt6j47s8kq/qt6j47s8kq_noSplash_be059196ed2d70b94486039f64452494.pdf">10-15 percentage points</a> of the overall take-up rate. Other research suggests it might be much less than this, closer to <a href="https://www.sciencedirect.com/science/article/pii/S016762961300163X?casa_token=C-SdG98Jc2UAAAAA:KJLHBZ2BJhq9wRQQKUbEWPiqoeza1DEi3mZ9Y6O2GereVX1L1x0cJumVgrqBeMGa1ygDjFrPG7T5">2 percentage points</a>. In other words, the rebate only appears to influence a small percentage of people to buy private health insurance. So scrapping it would likely have a similarly small effect. Then there’s the impact of scrapping the rebate, people dropping their cover and putting more pressure on the public system. Earlier this year, we found private health insurance had <a href="https://theconversation.com/does-private-health-insurance-cut-public-hospital-waiting-lists-we-found-it-barely-makes-a-dent-211680">minimal impact</a> on reducing waiting times for surgery in Victorian public hospitals. So scrapping the rebate might have minimal impact on waiting lists. Taken together, the billions of dollars a year the government spends to subsidise private health insurance via rebates might be better directed to public hospitals and other high-value care, including primary care and preventive care.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212611/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, Assistant Professor of Economics, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, Chancellor's Research Fellow, Economics Discipline Group, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/who-really-benefits-from-private-health-insurance-rebates-not-people-who-need-cover-the-most-212611">original article</a>.

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