Few people die with every bit of their financial affairs in order – even if they left a will or went through substantial funeral pre-planning. That's because most Americans live on a delicate balance of money coming in, money going out, and money being moved to savings or insurance accounts. And when a loved one passes away, this balance doesn't go with them. It is up to the dependents and beneficiaries to navigate the many different bills and debts left behind.
Before you pull out your checkbook or start panicking about how you're going to cover all the immediate expenses, it's important to learn your rights and responsibilities about paying bills when a loved one dies.
(more…) What To Do When Someone Dies: Debts and Bills
January 14th, 2011Few people die with every bit of their financial affairs in order – even if they left a will or went through substantial funeral pre-planning. That's because most Americans live on a delicate balance of money coming in, money going out, and money being moved to savings or insurance accounts. And when a loved one passes away, this balance doesn't go with them. It is up to the dependents and beneficiaries to navigate the many different bills and debts left behind.
Before you pull out your checkbook or start panicking about how you're going to cover all the immediate expenses, it's important to learn your rights and responsibilities about paying bills when a loved one dies.
(more…) What To Do When Someone Dies: Bank Accounts
January 10th, 2011
In the event of the death of a loved one or friend, there is so much more to deal with than just the emotions and pain of the passing. The harsh realities of modern life mean that anyone who leaves the world almost always also leaves behind a number of accounts, financial documents, and paperwork that has to be sorted through.
Although funeral pre-plans, wills, and power of attorney orders can go a long way in putting your affairs in order before you die, most people don't have the luxury of preparing for their own death. This series of articles should help you to determine how and when to tie the loose ends associated with money, real estate, and other accounts following the death of a relative.
(more…) What to do when someone dies: introduction
January 5th, 2011
Welcome to the iMortuary original blog series entitled, “What To Do When Someone Dies.” We created this series in response to the need for greater consumer information for what to do when someone dies. As consumers increasingly turn to the Internet for information gathering, we acknowledge that funeral planning and estate matters represent a valuable topic.
Grief and loss are paramount when a loved one passes, and yet dealing with estate issues typically falls to those closest to the one who passed. Navigating the myriad of tasks and responsibilities can be overwhelming; it is our hope that this series starts conversations and provides thoughtful insight into these tasks. We also hope to convey a positive message regarding proper funeral planning and estate planning.
(more…) After the Service – Funeral Etiquette
December 29th, 2010
For those not involved with the actual funeral planning, it can be awkward to know what to do. Fortunately, there are standard “rules” of funeral etiquette that can help you navigate the situation. Everything from funeral attire to expressions of sympathy is covered on many funeral resources such as this site.
The Funeral Service
The parts of the funeral that most people are familiar with are the memorial service and the burial. In some cases, the memorial service may actually take place “graveside” and will include the burial. During the services, a eulogy will usually be offered, a religious ceremony may take place, and guests are sometimes given the opportunity to speak before the attendees in order to share their memories of the deceased.
(more…) Pre-Need Funeral Planning: Where to Start
December 28th, 2010
The thought of spending time on funeral planning is not generally a fun one, but by taking the opportunity to engage in what is known as “pre-need funeral planning,” you can take a significant burden off of your loved ones when the time comes. In addition, you have the reassurance of knowing that things will be done the way you want them done. Your funeral plans can be as general as you like, basically paying in advance for a casket and cemetery plot; or you can work out the smallest details such as what funeral flowers and musical arrangements you would like at the service.
A list of what is involved in funeral planning can provide a good place to start own. Most people are completely surprised at the number of details that go into planning a funeral. The vast number of questions to be answered can completely overwhelmed family members who are simultaneously dealing with the loss of a loved one. This is another reason that pre-need funeral planning is so helpful.
(more…) Funeral Attendance and Etiquette
December 27th, 2010
Should you send funeral flowers? Is it OK to wear blue instead of black? What should you say?
These are all questions that may run through your mind when planning to attend a funeral. Times like these tend to cause people to walk on eggshells, and knowing the proper funeral etiquette can be helpful in alleviating some nerves. Being aware of what to expect and the role you will play can make funeral attendance less intimidating. If you plan to attend the services or send funeral flowers, you should be aware that there could be multiple services. For example, a “visitation” or “viewing” may take place at the funeral home sometime before the actual funeral or memorial service. This can be a time to visit the deceased and to lend kind words to the family. The memorial service itself can be held at the funeral home, a house of worship, or even in the cemetery.
(more…) Save Money with a Green Funeral
December 23rd, 2010
If you’re a fan of recycling, turning down the thermostat, and otherwise doing your part for the environment, then you may have already considered a green funeral in your funeral planning process. If you simply like to save money, however, you might also want to pay attention to this newer option in funeral arrangements.
What is Involved in a Green Funeral?
Those opting for a green funeral will generally avoid being embalmed, a service that does come with a price tag that will often range from $100 to $700. One of the most expensive aspects when adding up the cost of a funeral is the price of the casket. These items can be extremely elaborate with a price to match. In the case of a green funeral, however, the remains are usually placed into a biodegradable container. This could be a cardboard box, a simple shroud, or even a plain wooden casket.
(more…) Expressions of Sympathy
November 26th, 2010
While some friends and family members find themselves deeply involved in funeral planning, others are instead searching for the most fitting expressions of sympathy. The appropriate expressions vary from culture to culture, as do so many of the customs that surround final arrangements. Those looking for the appropriate way to offer their condolences properly have several options available.
Funeral Flowers
One of the best-recognized expressions of sympathy is flowers. Arranged in a bouquet, basket, easel, or wreath, these outward signs of sympathy are often displayed at both the funeral home and the cemetery during the service. They may also be sent directly to the family’s home to lend comfort during the difficult time.
Funeral flowers offer a bit of elegance and an affirmation of the beauty of life. The flowers themselves are meant to honor the deceased’s life, so it is not important to worry about whether or not an arrangement is somber enough. Some people choose to send live plants that can be kept in the house or planted in a garden as an ongoing tribute. It is important to note that many religions do not follow traditional funeral flower customs, so you may need to alter your plan accordingly. (more…) When You’re in Charge of the Funeral Plans
November 16th, 2010
When it is up to you to take on the responsibility of funeral planning, it can be helpful to have some guidance. From choosing a funeral home to making burial arrangements, there are a lot of decisions to be made. In addition, you likely need to attend to the comfort of others as well as to your own grief. Fortunately, there are resources available to simplify funeral planning.
Funeral Directors and Homes
The funeral planning process will probably be easier with the guidance of an experienced funeral director. These professionals are educated in proper procedures and can help you to respect traditions and the law regarding funeral services. The funeral director will work with the funeral home that you choose. You may find that your clergy person or a friend will have recommendations for you regarding what funeral home you may want to use.
(more…) Funeral Planning and Consumer Rights
November 11th, 2010
Due to the highly emotional state associated with burial arrangements and funeral planning, it is all too easy for corrupt businesses to take advantage of families in mourning. While this isn't a common occurrence, it does happen, and it's important to safeguard yourself against it. Time constraints, emotional pressure, and a lack of knowledge about the industry allow some funeral homes to charge more or provide only the most expensive options to their consumers, who may then pay considerably more than they have to for services they may not actually need.
The reality is that funeral costs don't have to be overwhelming. In the past few decades, the Federal Trade Commission has put a focus on consumer rights when it comes to funeral planing. When you follow their guidelines and work with a funeral home you trust, the results are much more likely to leave you and your family with the satisfaction of knowing your loved one has been cared for in the best possible way.
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