Planning a funeral is something most of us will have to do, but the thought of it can be scary and overwhelming. Whether you are making difficult at-need choices or are pre-planning for yourself or a loved one, we have provided some information to assist you in making these challenging decisions.
Establish Your ValuesYou and your family may be experiencing a difficult period in your lives. Someone you love—your mother, father, a grandparent, an aunt or uncle or a close friend—is not well. A terminal illness or the aging process has robbed your loved one of the ability to care of himself or herself, to make his or her own decisions, to handle life’s daily decisions.
You may have assumed the responsibility for the personal care and the business affairs of your family member or friend. You feel sad, uncomfortable, uncertain. Your roles have been reversed. You and your family have always counted upon your mother to be there as the warm, cheerful, supportive center of the family. Your father has always been strong, decisive and independent. Now, they are more frail and less aware of what is happening around them.
You and your family are giving much thought and discussion to arranging for personal care for your family member. You are exploring options such as home care, nursing homes, hospices, and/or private care facilities. You are making arrangements to get Mom’s or Dad’s or a friend’s personal business matters in order. It’s hard to remember every detail. It’s emotionally painful. As difficult as these routine matters are, one needs to also talk about another difficult decision—funeral arrangements. Everyone knows funeral arrangements are necessary. Everyone in the family wants to provide for a proper funeral. But, if not discussed to find out wants and needs and how they fit it to the financial picture prior to the time of need, it can lead to very difficult decisions down the road. The funeral service is part of the healing process, part of the remembering process, and a very important part in saying good-bye to a loved one. It can also cause a financial hardship on some families.
Planning Makes a Difference
Preparing and planning now can assure the type of funeral service appropriate for your loved one. By planning and preparing you can insure that funds are available for the right type of funeral arrangements for your family member. Even though it seems difficult, plan now for your family member’s funeral arrangements. The cost of paying for personal care for a loved one can take the financial resources of that family member in a short amount of time. Plan the funeral before circumstances require a person to apply for assistance. There is no guarantee assistance will be available to cover burial expenses. Don’t wait and then discover your loved one has lost an important option—the option of setting aside personal funds for funeral expenses.
When you make funeral prearrangements, you have the peace of mind of knowing that you have planned ahead. You have selected a meaningful funeral service which will comfort your family. You have also spared your family the difficult task of making funeral arrangements at time of need.
What is “Pre-Need” Funeral or Burial Purchasing? A pre-need funeral or burial purchase is purchasing, in advance, funeral services and merchandise that you select for yourself or loved ones. In connection with the purchase of pre-need services and merchandise, you enter into a pre-need contract with the seller, funeral home, or cemetery.