Archive for the ‘Funeral Planning’ Category

From Pink Caskets to Camouflage Casket Liners: Customizing a Loved One’s Burial

Wednesday, November 27th, 2013

From Pink Caskets to Camouflage Casket Liners: Customizing a Loved One’s BurialWhen most people plan a traditional burial during funeral plans, they do it because there is comfort to be found in the familiar. The act of saying goodbye to a loved one is something that everyone goes through at some time or another, spanning generations and cultures and even socioeconomic status. No matter what the circumstances of your loss, knowing others have gone through the same funeral planning steps you have is a good way to put your grief into perspective.

Of course, that doesn’t mean you can’t personalize a funeral. Some of the best traditions are the ones we make ourselves, and customizing burial is easier than ever before thanks to retailers offering more options in casket colors, materials, and details. For example, pink caskets are growing in popularity among female burials (or may even be purchased as part of the breast cancer awareness campaign). Offered in everything from a delicate shell to a more vibrant shade of pink, caskets like these allow you to add a touch of color and whimsy to an otherwise bleak day.

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Funeral Planning: Winter Burials

Saturday, November 2nd, 2013

Funeral Planning: Winter BurialsThe behind-the-scenes aspect of the funeral industry is one that remains a mystery to many people. Often because we don’t care to know the gritty details of death and burial, and sometimes because we aren’t sure what kinds of questions to ask, or what funeral directors and funeral homes do to care for your loved ones isn’t always widespread knowledge.

One of the often overlooked details of burial is what happens during the winter months in colder climates, when the ground is frozen. Frozen turf is difficult (and expensive) to dig into, especially at the depth required for human burial. When combined with other harsh winter hazards like unplowed roads, unsafe driving conditions, and the snowfall on the cemetery itself, the results are not conducive to immediate burial. That’s why many of the colder states (think Alaska and North Dakota) have contingency plans in place.

Burial in Cold Climates

Few states have laws in place to regulate winter burials. Some, like Minnesota, Wisconsin, and New York, require burial in the winter regardless of weather conditions. Others might allow you to opt for a “cold storage” option to avoid the heavier fees of opening a grave in the winter.

In this instance, “cold storage” isn’t as terrible as it seems. Funeral directors may keep bodies in cemetery crypts or inside the funeral home until a date when the ground thaws enough to allow for burial. This practice is one that has existed for hundreds of years. If winter burials are difficult in our age of backhoes and jackhammers, it’s easy to imagine how hard it would have been in centuries past. And because older generations didn’t have access to morgues and other indoor body storage options, it was common to keep bodies in a crypt until spring.

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Is Funeral Insurance Right for You?

Thursday, October 24th, 2013

Is Funeral Insurance Right for You?In the funeral pre-planning industry, there are several different options you can choose from for your future memorial service. You can plan down to the last detail by advance planning an entire funeral with the home of your choosing. You can set up a payment plan to lower funeral costs down the road. Or, if you’re like one of a growing number of consumers, you can purchase funeral insurance to ensure that your loved ones are taken care of.

What is Funeral Insurance?

At first glance, funeral insurance can be slightly misleading. Also known as burial insurance, final expense insurance, or pre-need insurance, these are insurance policies that an individual takes out to guarantee funeral funding. Like life insurance, it is payable out upon death and monies are granted to the beneficiary listed on the policy. Unlike life insurance, the payout tends to be smaller (enough just to cover the funeral) and are paid out faster (so that you can have the money for funeral planning). And in many cases, the only way the policy is different from a traditional life insurance option is in the beneficiary—in funeral insurance, you may choose to name the funeral home as the beneficiary, so that the money goes directly to them.

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Funeral Scams to Avoid

Tuesday, October 22nd, 2013

Funeral Scams to AvoidAlthough it seems unthinkable to take advantage of a grieving family to make money, scams and fraud related to the death care industry can happen. As is the case in any field where emotions are high and decision-making is a strained business, unscrupulous vendors and outright scam artists may take advantage of the situation to earn a buck.

The majority of funeral homes operate in conjunction with national laws and regulations related to the funeral planning industry—and do it with compassion. However, if you find yourself feeling uncomfortable with any part of the process, be sure and step away from the funeral plans and check with this list of common funeral scams.

  • Not Allowing You to See The Prices: Under the Federal Trade Commission’s Funeral Rule, funeral homes must provide you with an itemized list of all their goods and services—including both packages and a la carte options. This list must be offered up front and without any other obligation on your part. In many cases, you can even request a copy over the phone or via mail, allowing you the chance to look it over at your leisure.
  • Pressuring You to Decide Now: Like car dealerships, funeral homes have a better chance of getting results if they keep you on site until you’ve made all your decisions and put down a deposit on the funeral of your choosing. This exhausting process often leads to impulsive decisions and overspending. You have every right to take your time and ask to return at a later date.
  • Forcing You to Buy from Them: There is no law that says you have to buy all your funeral items from the funeral home (in fact, the law says the exact opposite). You are allowed to shop around and order things like caskets, headstones, and funeral flowers from an outside provider—and the funeral home must accept them. (more…)

Attending a Masonic Funeral

Tuesday, October 15th, 2013

Attending a Masonic Funeral

When it comes to funeral planning, religion and culture aren’t the only determining factors in how a ceremony is conducted. If the deceased was a member of the Freemasonry (the oldest functioning fraternal organization), he may wish to have a traditional Masonic funeral. Although most of the rituals of a Masonic funeral are similar to those you’ll find in any type of memorial service, there may be a few differences you can prepare for.

What it Means to Be a Mason

One of the key factors of being a member of the Freemason organization is the instant brotherhood and kinship that arises. In addition to general support and friendship, this means that members often step forward to provide assistance to others, regardless of how close they are or plan to be in the future. When a member passes away, this may mean that other members will attend the funeral, help cover expenses, or otherwise support the grieving family—even if they never met before.

A Masonic funeral may therefore be more crowded than a regular funeral, as members will attend to show their support of their deceased Brother. In a kind of tribute that echoes those of a policeman, military member, or other service provider, individuals often go above and beyond the call of duty to show how much they care.

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Funeral Fundraising

Monday, September 16th, 2013

Funeral FundraisingWhenever anyone talks about funeral costs or finding ways to finance a burial, the most commonly cited options include pre-planned funerals, funeral or life insurance, estate money, or even a private savings account. It has long been considered the responsibility of the deceased or the deceased’s immediate family to cover all the funeral costs, regardless of how that affects personal finances.

While there is no denying that funeral costs should be covered by those closest to the deceased, this is not always a possibility. Whether due to personal circumstances, timing, or funeral plans that fell through, you may find yourself in need of additional funds. One such place to turn for help is through funeral fundraising.

What is Funeral Fundraising?

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Paying for a Parent’s Funeral

Friday, September 13th, 2013

Paying for a Parent’s FuneralIn cases where an individual did not make advance funeral plans, chances are fairly good that a spouse or adult child will be responsible for planning and financing the funeral. Long held as the custom across countries and cultures, the idea that a child must bear the burden of burial is one that many of us recognize. After all, these are the individuals who brought us into the world…it seems only fitting that we send them out of it.

Unfortunately, circumstances and financial hardship often get in the way of these types of plans. In addition to the emotional toll that losing a parent can have on an individual, it can be difficult to know where to find the resources to cover funeral costs as well as what types of decisions to make to best honor your parent.

If a parent’s death has recently occurred, we suggest you sit down with other siblings and your remaining parent to go over your options and to discuss funeral planning details. Depending on what kind of pre-plan funeral arrangements were made and your financial situation, you could rely on any of the following payment types.

  • Life Insurance: Although not everyone purchases a funeral pre-plan, life insurance is fairly common. The named beneficiary (or beneficiaries) will receive a lump sum payable upon death and may use those monies for the funeral. Because these funds may take a few weeks to be processed, most funeral homes are willing to work with you to arrange the payments at a later date. (more…)

Inexpensive Ways to Dress a Child for a Funeral

Monday, September 9th, 2013

Inexpensive Ways to Dress a Child for a FuneralChildren aren’t always invited to attend funerals, but it is becoming more common to introduce formal death to kids at a young age. Because they are often bombarded by media images and video games that include death, going to a funeral for a relative can be a more realistic and practical way for them to understand what death means.

While many parents are happy to include children at funerals, there remains the lingering question of how to dress them…and how to dress them on a budget. It isn’t practical to purchase a somber black formal outfit they might only wear the one time, but neither is it appropriate to dress them in a glittery holiday dress or jeans and a t-shirt. To dress a child for a funeral for less, we recommend a few key steps.

  • Go Dark, Not Black: There are no rules that say a child (or anyone) has to wear black to a funeral. Dark colors like blue, grey, green, and even more muted reds can be appropriate. You can even include white as long as there are some darker colors to compliment it.
  • Shop for Less: Because this is an outfit your child may only wear one time, consider shopping at thrift stores, discount stores, or clothing swaps. Look for functionality over visual appeal, and don’t worry as much about fit. This is a one-time use.
  • Buy Separates: Instead of purchasing an entire outfit, opt for one piece. A shirt, a pair of pants, a serviceable skirt…these can be bought for fairly little and paired with something your child already owns.
  • Borrow from Others: Hand-me-downs are a common part of most childhood wardrobes, but few people consider borrowing clothes for a temporary fix. Now is a good time to consider it. If you know of someone who has been through a similar situation—or who has a large kid’s closet the right size—consider approaching them for a favor.
  • Dress Up in a General Sense: Because children usually aren’t the focus of a funeral, you may be able to get away with simply dressing them up. Holiday outfits, wedding attire, and other formal kids wear could be an easy solution. Just be sure to stay away from glitter, spangles, vibrant colors, or anything else that will cause them to stand out (this includes shoes, as well).

At the end of the day, the most important thing your child can bring to the funeral is respect and good behavior. Most people will be more than understanding of budget (and time) constraints when it comes to dressing a child for a funeral.

Funeral Cost Calculator

Friday, September 6th, 2013

Funeral Cost CalculatorFuneral costs are a real concern for most families facing the death and burial of a loved one. At a time when stress and anxiety are already higher than average, knowing that you will be expected to pay out thousands of dollars to provide a fitting farewell can prove difficult.

While more and more families are preparing for this eventuality with funeral pre-paid packages, there are options for those who have not planned ahead. In addition to financing a funeral, you can manage funeral costs by comparison shopping, selecting lower-cost burial alternatives, and coordinating services at the funeral home of your choice.

Online Funeral Planner Assistance

If you are preparing to plan a funeral, we suggest following this guide to estimate costs and come up with the best options for your family. Losing a loved one will always be difficult—and financing a funeral is rarely something anyone looks forward to—but with the right resources and support, you can come up with a beautiful funeral that won’t break the bank.

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Planning a Funeral for an Unborn Child

Tuesday, September 3rd, 2013

Planning a Funeral for an Unborn ChildOne of the most difficult things a parent can be asked to do is to plan the funeral or memorial service of a child who has yet to be born. Most experts agree that a formal funeral or service is an important part of the grieving process of giving birth to a child who isn’t meant for this world—and getting started early can help you process some of your emotions in advance.

Most infant funerals in this type of situation occur within a week following your loss. Because you and your family will be undergoing a difficult trial (and possibly recovering from surgery or childbirth), having everything prepared ahead of time can allow you to focus on what really matters during this time.

Plan a Memorial Service Your Way

There is no rule that says you have to hold a traditional funeral for your child, or even that you have to hold one at all. You can call it a memorial service, a commemoration of life, a going home party, or even a birthday celebration. How you set it up is entirely up to you, though you may want to follow a few general guidelines.

  • Contact a Funeral Home You Trust: Funeral homes tend to be familiar with the process of burying a newborn child, and will be able to coordinate services according to your wishes. Look for a home that offers sympathy and a friendly approach, as you’ll be entrusting your child’s legacy to their hands.
  • Determine Your Interment Wishes: The decision of whether to bury or cremate a child can be an agonizing one. Bear in mind your religious preferences, your desire for portability (if you will be moving away at a later date and may want to visit the grave), finances, and personal wishes. Both of burial and cremation are viable options and can be accommodated in a way that is caring and appropriate.
  • Take Your Time Making Decisions: It can be comforting for many families to choose the details of the burial. A special outfit for your child to wear, a hand-knitted blanket to be wrapped up in, the final casket, a burial location and headstone—even the flowers and special memorial tributes you want at the service. As these are one of the few things you’ll be able to do for your child, it’s okay to take your time and savor the process.
  • Set a Date: Because many children in this situation are born via C-section or another planned delivery, you may be able to make advance memorial service plans. By setting a date and confirming location and other services, you allow family members to organize their schedules to join you.

Perhaps the most important thing you can do is locate resources—both online and in person—for individuals in your situation. Support groups, grief counselors, and other parents can help you through the process. In addition to providing you with tips for the memorial service, they can help you begin to understand your loss and what it means for your family’s future.