The unexpected funeral costs that arise after a death often put a strain on family finances. With a total price tag anywhere from a few thousand dollars to over ten thousand dollars, paying for a funeral out of pocket is like asking a family to buy a new car. This is a cost few families can cover outright, which is why it’s no wonder that the question of whether or not you can make funeral expenses deductible on your taxes is one that regularly pops up.
The easy answer is no. For the majority of families, the costs they must lay out for a funeral are like any other major purchase (along the lines of a car or new furniture). Funeral expenses are your responsibility, and the government won’t give you any tax breaks come April 15.
(more…) Are Funeral Expenses Deductible on My Taxes?
December 12th, 2013
The unexpected funeral costs that arise after a death often put a strain on family finances. With a total price tag anywhere from a few thousand dollars to over ten thousand dollars, paying for a funeral out of pocket is like asking a family to buy a new car. This is a cost few families can cover outright, which is why it’s no wonder that the question of whether or not you can make funeral expenses deductible on your taxes is one that regularly pops up.
The easy answer is no. For the majority of families, the costs they must lay out for a funeral are like any other major purchase (along the lines of a car or new furniture). Funeral expenses are your responsibility, and the government won’t give you any tax breaks come April 15.
(more…) What Does a Cremation Oven Look Like?
December 9th, 2013
The cremation process is difficult for many people to picture happening to their loved one’s remains. Unlike burial, which gives a feeling of calm quiet and eternal rest, cremation is hot, messy, and oftentimes frightening. You might be afraid that the body won’t be treated with respect, or that the incredibly high temperatures required to break a body down are uncontrolled and dangerous.
While historical cremation practices might hold this to be true, modern-day cremation and cremation ovens are quite safe, sanitary, and practical. The cremation process is regulated so that it becomes more of a scientific breakdown of bodily remains than a blazing inferno, with the result that it is actually more decorous than the slow decay of a body underground.
(more…) From Pink Caskets to Camouflage Casket Liners: Customizing a Loved One’s Burial
November 27th, 2013
When 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.
(more…) How Does Human Cremation Differ from Pet Cremation?
November 20th, 2013
The cremation process is an ethical, low-cost way to dispose of both human and animal remains. Not only can you avoid the costly steps associated with traditional burial by choosing cremation, but you can also receive the ashes afterward, to be buried or contained in an urn for safekeeping.
For decades, families have opted to cremate both their beloved pets and their loved ones. Although the two processes are similar, there are some differences between human cremation and pet cremation that should be noted by anyone considering either option.
(more…) Funeral Planning: Winter Burials
November 2nd, 2013
The 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.
(more…) Writing a Condolence Letter
October 29th, 2013
Most people are familiar with sending sympathy cards upon the passing of a friend or relative, or even with sending funeral flowers or some type of gift basket to show their concern. These types of funeral gifts have become mainstream, allowing individuals from all over the country to participate in the funeral even if they can’t be there in person.
One way in which to take this type of sentiment to the next level is to write a condolence letter. So much more than a sympathy card, a heartfelt condolence letter provides a way to reach out to those in need through your words and deepest sentiments. And because this type of letter is meant to be sent on paper through the mail, it tends to mean much more than an email or other online message.
Differences between a Sympathy Card and a Condolence Letter
Sympathy cards are typically short notes that you either purchase or make to let a family know that you are thinking of them. Much like a birthday card or other commemorative item, the sentiment is short and sweet (although these particular ones express sympathy rather than joy).
(more…) Is Funeral Insurance Right for You?
October 24th, 2013
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.
(more…) Funeral Scams to Avoid
October 22nd, 2013
Although 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…)




