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To state it simply, life insurance is intended for the living - those left behind. Life insurance proceeds are especially important if the deceased loved one was the sole or a major income resource for the family. After funeral and burial costs are paid, the family is expected to make due with the remaining amount which is often significantly less than what was expected.
Also, life insurance, at the time of purchase, is intended to help those left behind with costs of living, not death. Additionally, some policies either will not cover end-of-life costs or not enough was paid in to be able to collect proceeds.
Our Family Planning Organizer is a vital tool for your loved ones at the time of death. The following are just a portion of the items to be listed in the Organizer. We have seen this cut out so much of the stress of trying to think of, research or request this information at the time of death.
If you request immediate assistance, yes. If the family wishes to spend a short time with the deceased to say good-bye, that’s perfectly acceptable. Your funeral director will come when your time is right.
Burial in a casket is the most common method of disposing of remains in the United States. Cremation is increasingly selected because it can be less expensive and allows for the memorial service to be held at a more convenient time in the future when relatives and friends can come together.
A funeral service followed by cremation need not be any different from a funeral service followed by a burial. Usually, cremated remains are placed in urn before being committed to a final resting place. The urn may be buried, placed in an indoor or outdoor mausoleum or columbarium, or interred in a special urn garden that many cemeteries provide for cremated remains. The remains may also be scattered, according to state law.
Viewing is a part of many cultural and ethnic traditions. Many grief specialists believe that viewing aids the grief process by helping the bereaved recognize the reality of death. Viewing is encouraged for children, as long as the process is explained and the activity is voluntary.
Embalming sanitizes and preserves the body. Embalming makes it possible to lengthen the time between death and the final disposition, allowing family members time to arrange and participate in the type of service most comforting to them.
The Federal Trade Commission says, "Except in certain special cases, embalming is not required by law. Embalming may be necessary, however, if you select certain funeral arrangements, such as a funeral with viewing. If you do not want embalming, you usually have the right to choose an arrangement that does not require you to pay for it, such as direct cremation or immediate burial."
When compared to other major life events like births and weddings, burials are not expensive. A wedding costs at least three times as much; but because it is a happy event, wedding costs are rarely criticized. A cemetery is a labor-intensive business, with extensive facilities, these expenses must be factored into the cost of burial expenses.
Additionally, the cost of burial includes not only merchandise, but the services of a counselor in making arrangements for burial times and other details; filing appropriate forms; facilitating with funeral home staff, burial staff, government staff; and seeing to all the other necessary details. Our counselors look upon their profession as a service, but it is also a business. Like any business, cemeteries must make a profit to exist.
It really depends entirely on how you wish to commemorate a life. One of the advantages of cremation is that it provides you with increased flexibility when you make your funeral and cemetery arrangements. You might, for example, choose to have a funeral service before the cremation; a memorial service at the time of cremation or after the cremation with the urn present; or a committal service at the final disposition of cremated remains. Funeral or memorial services can be held in a place of worship, a funeral home or in a crematory chapel.
With cremation, your options are numerous. The cremains can be interred in a cemetery plot, i.e., earth burial, retained by a family member, usually in an urn, scattered on private property, or at a place that was significant to the deceased. (It would always be advisable to check for local regulations regarding scattering in a public place-your funeral director can help you with this.)
Today, there are many different types of memorial options from which to choose. Memorialization is a time-honored tradition that has been practiced for centuries. A memorial serves as a tribute to a life lived and provides a focal point for remembrance, as well as a record for future generations. The type of memorial you choose is a personal decision.
You might choose ground burial of the urn. If so, you may usually choose either a bronze memorial or monument. Cremation niches in columbariums are also available at many cemeteries. They offer the beauty of a mausoleum setting with the benefits of above ground placement of remains. Many cemeteries also offer scattering gardens. This area of a cemetery offers the peacefulness of a serene garden where family and friends can come and reflect.
If you wish to have your ashes scattered somewhere, it is important to discuss your wishes to be scattered ahead of time with the person or persons who will actually have to do the cremation ashes scattering ceremony, as they might want to let your funeral professional assist in the scattering ceremony. Funeral directors can also be very helpful in creating a meaningful and personal ash scattering ceremony that they will customize to fit your families specific desires. The services can be as formal or informal as you like. Scattering services can also be public or private. Again, it is advisable to check for local regulations regarding scattering in a public place-your funeral director can help you with this.
Yes — Depending upon the cemetery's policy, you may be able to save a grave space by having the cremains buried on top of the casketed remains of your spouse, or utilize the space provided next to him/her. Many cemeteries allow for multiple cremated remains to be interred in a single grave space.
Uncertainty about income tax issues can add to the stress experienced from the death of a spouse. You should meet with your family attorney and/or tax advisor as soon as possible to review your particular tax and estate circumstances. Bring a detailed list of your questions to the meeting. If you do not have an attorney or tax advisor, call the IRS toll-free at 800-829-1040 for answers to specific tax questions.
There are a number of options available, including: