Posts Tagged ‘funeral plan’

Although every state handles death certificates differently, there are some universal standards that should help you navigate the process of ordering death certificates, making corrections, and process other record-keeping needs.

For questions about your specific state, we encourage you to contact your state’s vital records office or the National Center for Health Statistics.

Death Certificates: Frequently Asked Questions

What do I need a death certificate for?

A death certificate is needed to settle most financial and legal affairs on behalf of the deceased. As the official legal record of death, the death certificate is needed for most insurance companies, the Social Security Administration, and other agencies that must process paperwork related to the deceased’s affairs.

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Oftentimes, when we talk about rights and responsibilities in the funeral planning industry, it’s about what you, the consumer, can legally expect from a funeral home. Several federal laws exist to protect you from predatory burial practices and to ensure that any investment you make in a per-arranged funeral plan is safe for the future.

Of course, this doesn’t mean that funeral homes don’t have rights, too. As businesses like any other, they are just as susceptible to non-payments, customers who change their minds, and other consumer practices that pose a risk to their bottom line. That’s why they have a few legal rights, as well.

Although most laws do rest on the side of the consumer, here are a few things a funeral home is allowed (and not allowed) to do.

• A funeral home has the right to refuse to accept the deceased’s remains if there is a dispute about the right of disposition. This means that when family members disagree about how to dispose of a loved one’s remains (and when there is no legal document or situation that assigns one person the right to make decisions), the funeral home can opt not to handle the case—even if one person promises to pay for the funeral out-of-pocket. (more…)

Funeral planning isn’t a positive experience in the best of circumstances—so when you add a complicated legal or personal situation, things have a way of becoming even more difficult and emotional.

One scenario that few people anticipate having to navigate is how to take care of the deceased when he or she passes away in a government institution like jail. However, this type of situation can and does happen, and there are options for families who wish to reclaim the deceased’s body for a personalized burial.

The Death Care Industry and Prison

In many cases, inmates who face a long time in prison—or who are otherwise in a situation in which death has a reasonable chance of occurring while they are incarcerated—make a will or other advance plans for death. Because they are already firmly in the legal system and have had contact with a lawyer, they may have been encouraged to draft a will that indicates where and how their body will be interred.

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One of the best ways to comparison shop for the best prices when planning a funeral is to call the home ahead of time to determine their rates. According to the Funeral Rule, funeral service providers are required to give consumers who contact them via phone all of the information contained in their General Price List, Casket Price List, and Outer Burial Container Price List. To the best of their ability, they are also required to answer questions that relate to payment options and additional costs.

The reason for all these legal regulations is to prevent funeral homes from taking advantage of customers at what is obviously a difficult time in their lives. While most funeral homes are more than happy to adhere to these laws and will do their best to help you make an informed decision, it is important that you know your rights as a consumer and what you can expect when you call a funeral home.

• Funeral service providers are prohibited from requiring you to give your name, address, or phone number in exchange for information. This doesn’t mean they can’t ask—it simply means you aren’t obligated to reply. Information regarding prices should be made available to you either way.
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These days, funerals have become such grand, ornate affairs that it’s almost impossible to know where all your products come from. Caskets may be shipped from a manufacturer in another state or even overseas. Flowers might come from Internet funeral florists or be sent up from as far away as South America. Even memorial videos are often outsourced to third party providers who are spread around the globe.

While there is nothing wrong with the globalization of the funeral industry (in fact, this kind of practice can substantially reduce funeral costs), some people prefer a smaller, more intimate service that draws from local vendors. If the deceased was a person who believed in supporting the community and taking things back to a more grassroots level, it might be a good idea to include many local and small businesses in the funeral plan.

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The majority of funeral and memorial services are held indoors. Although many people opt to include an outdoor gravesite service in addition to a more formal indoor event, the most traditional funeral planning option is to hold a memorial service in a church, funeral home, or private home. This indoor environment means that it’s easy to control the temperature, ensure that any audio-visual equipment is protected from the elements, and know that everyone will be comfortable as they prepare to say their farewells.

Because death occurs rain or shine, getting outdoors to enjoy a memorial service under the sun might seem like a challenge. However, with the right kind of planning, you can hold a memorial service outside and enjoy a different, more natural kind of funeral.

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When most people go into a funeral home expecting to plan a funeral, they have a pretty good idea of what they can afford to pay and how they want to spend their money. Caskets, use of the facilities for a memorial service, funeral flowers, and embalming are all the kinds of things we’ve become accustomed to purchasing. Those who want to save money might decide on cremation or direct burial, while those with a comfortable life insurance policy might plan on going for a little more extravagance.

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Death and funeral planning have the tendency to bring out the best and the worst in people. While families might hope that the loss of a loved one will bring them together as a cohesive unit, it is often found that the reverse is true. From disagreements about money issues to the actual funeral planning process (including how the body is disposed of, what kind of funeral service is held, religious preferences, and even flower choices), it often comes to pass that individuals simply cannot agree on how to proceed.

Understandably, this can quickly make a bad situation even worse—especially if there are no pre-arranged funeral plans in place and there has not been an Executor to the Estate named.

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If an individual passes away without any advance funeral planning in place, it can be difficult to know who is responsible for funeral costs. Few people can afford to foot the bill for a funeral all by themselves, and in a situation that’s already filled with tension, it can put a strain on the family to determine who should play the primary financial role.

To further complicate matters, every state has its own regulations regarding fiscal responsibility. While most states adhere to similar laws, you may have to talk with a local attorney to get specific information for your situation.

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Pet cemeteries are an important part of the grieving process for many individuals who have lost a beloved pet. While most pet funeral plans include a backyard service or a call to the local animal shelter to handle the remains, it’s becoming increasingly more common for individuals to opt for a formal service (ranging from pet cremation to traditional burial).

This practice is nothing new in the United States—in fact, the oldest pet cemetery in the world can be found in Hartsdale, New York. The Hartsdale Pet Cemetery facility, established in 1896, is currently the final resting place for tens of thousands of animals, and continues to provide a burial place for pets even today.

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