Advance funeral planning is becoming an increasingly popular choice for people who want to handle the burden of burial before death occurs. With so many different funeral pre-plan packages to choose from and the opportunity to relieve your loved ones of the costs and stress associated with burial, it’s no wonder why.
Because it is impossible to predict death, the only way to ensure that pre-planned funerals work is to bind everything in a legal contract or agreement. Every contract is a little bit different depending on where you go and what type of service you choose, but one thing that everyone should be aware of before signing on the dotted line is what the fine print says regarding cash advance items.
When it comes time to start funeral planning, you may find that you have lingering questions about cremation. Yes, we all know that it provides a lower-cost alternative to traditional burial, and that the outcome—an urn of ashes—can be scattered or kept on the mantelpiece as a kind of memorial to the deceased.
But what about the details? When is cremation not recommended? How personalized is the process of transforming the body into ashes? And where can you go to find more information?
The following list of common questions should help provide a baseline of understanding the cremation process. For additional information, you should always contact a local funeral home or the Cremation Association of North American (CANA).
In the funeral planning industry, most people associate autopsies with high-intensity drama and crime. Thanks in large part to television and the media, it is generally assumed that only deceased individuals who have died under suspicious circumstances are eligible to receive autopsies. While it is true that the majority of autopsies are performed for this reason, families may also request private autopsies for their own personal information.
Why Get a Private Autopsy?
If officials don’t suspect an unnatural cause of death, chances are they will release a body directly to the funeral home of your choosing. However, if you have any questions about your loved one’s health or cause of death, you may want to opt for an autopsy in order to seek answers.
Some of the more common reasons for requesting a private autopsy include:
Questions about the cause of death
Concerns about the treatment and care of the deceased prior to death
Insurance settlements and medical malpractice issues
Family health concerns (particularly if the deceased is believed to have died from a genetic disorder)
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.
Planning a funeral in advance is often held up as the ideal way in which to approach your financial affairs. After all, when you pre-plan a funeral, you can make all the money decisions and funeral arrangements ahead of time, leaving your family free to deal with their loss without additional strain. From choosing your casket to buying a burial plot, you’ve got it all covered.
Preplanning a cremation is a bit different. Because a cremation doesn’t cost as much as a traditional funeral, and because the process tends to be simpler from start to finish, making advance arrangements for a cremation is not as common. Of course, that doesn’t mean it’s a bad idea. Here are a few reasons why we think prepaying for a cremation makes good sense.
You Want Cremation: Though widely accepted by most religions and families in the United States, cremation is by no means as mainstream as traditional burial. If you feel strongly about your desire to be cremated, it’s a good idea to do all the planning (and prepaying) yourself. This way, there will be no question about your wishes.
You Have Specific Plans: The thing about cremation is that it can be just as varied as traditional funerals. Do you want your ashes to be kept in an urn in a columbarium, or scattered out to sea? Do you prefer direct cremation with a minimal fuss? Would you like your ashes to be buried in a coral reef or shot into space? If there’s anything out of the ordinary that you want at your funeral, now is a good time to make sure it’s attended to.
You Have Questions: Although you can research cremation options online, there’s nothing quite like sitting down with a funeral director or funeral preplan professional to get all the answers. If you have any worries or concerns about the cremation process, about cremation costs, or about what it means for your family, talk with someone who can put you in touch with a reputable prepaid cremation provider.
Your Finances are Unstable: Because cremation typically costs less than regular burial, many people think it’s not as big of a deal to put it off until after death occurs. However, the lower cost of cremation also means that it’s more affordable to prepay. If your finances are in a questionable state, or if you can handle smaller, monthly payments more easily than a lump sum, it might be a good idea to prepay for services now.
Cremation is the right choice for a lot of people. Prepaying for a funeral is the right choice for a lot of people, as well. Combining the two can be a great way to save money, settle your affairs, and relieve your family of much of the pressures that accompany death.
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. (more…)
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.
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.
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.
It’s no secret that planning a funeral is a mentally exhausting task. Most people charged with the task of burying a loved one are already reeling from an overflow of emotion, and when you add the need to make dozens of financial and burial decisions, the results can tear a person down.
According to recent studies about the process of making decisions, there might be some science behind the difficulties we face when planning a funeral (above and beyond mere loss). Decision fatigue, or the emotional toll that an abundance of decision making has on the human brain, can impact the way you think about your choices. And in many cases, the results will be vastly different than if you’d made that decision a few hours earlier (or later).
Advance funeral planning is becoming an increasingly popular choice for people who want to handle the burden of burial before death occurs. With so many different funeral pre-plan packages to choose from and the opportunity to relieve your loved ones of the costs and stress associated with burial, it’s no wonder why.
