1 FCS7050 Funeral Planning 1 Nayda I. Torres 2 Individuals and families are concerned about the high cost of funerals. Currently funeral prices can range from $1,000 to $7,500, but the average cost is over $3,000. The total funeral cost can be higher than these figures indicate because the average does not include charges for cemetery plots, opening and closing the grave, flowers, extra limousines, etc. Today, the funeral bill represents the largest item the average family will ever buy excluding a house or an automobile. There are more than 2,084,000 deaths annually in the U.S. Since death is inevitable, it is an event that commands concern. Certain things must be done after death, and most families are not familiar with the laws, prices, and options surrounding this emotional event. Death is a crisis in any home. It brings sorrow, confusion, and the pain of separation. For these reasons, many families arrange a funeral without having the needed information to make a good consumer decision. Not knowing what is needed or how much it will cost can lead to an extravagant burial that may become an economic burden on the survivors. Is death a total surprise? Everyone is a part of this "cycle" of life, and death may occur at any point in this cycle. Since death is a part of life, it is no sign of maturity to refuse to face it or talk about it. Death is as real and normal as birth, and we need to face the reality of death. For adults, this means making a will, providing for the disposal of wealth or property, and giving directions on a variety of other subjects associated with departure from this life. Those who have had a death in the immediate family will remember how many unexpected problems arose. Usually the problems occurred because the family was totally unprepared. Today, more families are planning their funerals in advance. This publication contains information about the practices and pricing policies of the funeral industry and describes alternatives to customary funerals. The Meaning of Funerals A funeral is a "rite of passage." It marks the completion of a life. A funeral ceremony serves three main purposes: 1. to dispose of the body 2. to help survivors adjust to the shock of death, and 1. This document is Fact Sheet FCS 7050, a series of the Department of Family, Youth and Community Sciences, Florida Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida. Publication date: March First published: November Reviewed: March Please visit the EDIS Web site at 2. Nayda I. Torres, professor, Family and Consumer Economics, Department of Family, Youth and Community Sciences, Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida, Gainesville FL The Institute of Food and Agricultural Sciences is an equal opportunity/affirmative action employer authorized to provide research, educational information and other services only to individuals and institutions that function without regard to race, color, sex, age, handicap, or national origin. For information on obtaining other extension publications, contact your county Cooperative Extension Service office. Florida Cooperative Extension Service/Institute of Food and Agricultural Sciences/University of Florida/Christine Taylor Waddill, Dean.
2 Funeral Planning 2 3. to publicly acknowledge and commemorate a death. The Pricing of a Funeral The pricing of a funeral service represents a combination of cost, customs, and psychology. This includes the cost of a casket, removal of remains from place of death, cemetery plot or crematory, embalming, use of a viewing room, grave marker, use of hearse, service by professional staff, flowers, music, use of chapel, grave liner or vault, placement of newspaper death notices, acknowledgement cards and other incidentals. Basically, there are two pricing methods used by funeral directors: package pricing and unit pricing. Package pricing usually includes: the casket preparation by embalming and cosmetology for burial the services of the funeral director and staff the use of the funeral home for a wake or service. Ask the funeral director for a list of everything that is included in the package price. If the price does not suit you, ask for the price of another package. The casket is the key to the pricing of a funeral. The main difference between an expensive and an inexpensive funeral is the price of the casket you select. The family or friends of the deceased make the choice in the casket selection room of the funeral home. Usually there are several caskets on display. They differ in material, design, finish, color, and price. The cost of caskets varies greatly. The casket can be the most expensive item in the cost of the funeral. The mark-up on caskets is 300 percent or more. If you can not afford the caskets that are on display, ask the funeral director to show you some that are less expensive, or ask if they have any for rent. When a rental casket is selected, this casket is used for viewing, and a less expensive casket is used for burial. After a price is quoted for a rental casket, ask if that amount includes the cost of the burial casket. No matter which casket you select, the services and facilities provided at the funeral home are usually the same. Unit pricing gives you a separate price for each part of the funeral. With this system you can have more control over the kind of funeral you want. Reasons for Planning Ahead When a person is overcome with grief, reasoning and good judgement are impaired. Not knowing what is appropriate, and being anxious about doing things right, may make you susceptible to purchasing products and/or services you cannot afford. When you have to make decisions in a hurry, the level of stress may increase. Making funeral arrangements requires many decisions in a short period of time. When you make funeral arrangements, you are buying both a product and a service; remember, the funeral director is the salesperson. When buying this service many people feel they should not discuss prices because they are being cheap and disrespectful to the dead, but feel free to ask for lower cost options. This purchase decision is not made often so many consumers feel they are inexperienced. According to Federal Trade Commission statistics, 50 percent of consumers have never arranged a funeral, and 25 percent have arranged only one. Many consumers are not aware of how much money is involved. In 1989, for example, the average cost of a complete funeral and burial was over $3, Most consumers are not aware of their rights and the options available. Consumers do not have complete information about costs, options, and legal requirements. When the need for this service arises, no time is available for doing any comparison shopping.
3 Funeral Planning 3 Once a funeral director has possession of the body, survivors have limited bargaining power. It is important to decide what you want for the funeral before releasing the body, since you must choose the casket and other items from what the funeral director has to offer. Survivors are usually alone when they purchase this service from the funeral director. Having someone with you will reduce the probability of misunderstandings. When buying the product or service, make sure that it is really needed. Many consumers are not aware of the requirements, and they purchase all that the funeral director offers them. Embalming Many people assume that embalming preserves the body indefinitely. Embalmed bodies begin the decomposition process within a week. Embalming is used primarily for cosmetic purposes for an open-casket funeral. No state explicitly requires routine embalming. In Florida, if the body is to be donated to the Florida Anatomical Board, it must be embalmed and the family of the deceased must pay for it. The embalming procedure used for bodies donated to medical schools requires long-term preservation, so it is a different procedure from those of funeral directors. The national average charge for embalming is $ This cost varies depending on the amount of work required. The low cost may be due to the fact that embalming is usually part of a package. Most professional funeral directors now request the permission of the family in writing before they proceed with embalming. Grave Liner/Coffin Vault Usually cemeteries require either a grave liner or a vault. The grave liner is made of concrete slabs assembled at the site; the coffin vault is a one-piece unit, also made of concrete, metal or Fiberglass. The purpose of either one is to keep the earth from settling after burial, and this helps reduce cemetery maintenance costs. The grave liner costs about half the price of a vault. The average price of a grave liner is about $ The less expensive vaults start at $ The grave liner is usually sold by the cemetery, and the vault is sold by the funeral director at the time the casket is selected. Cemeteries If you choose to be buried, you will need to purchase a cemetery plot. About half of the plots sold today are bought in advance of need. Do not purchase the cemetery space sight unseen. American cemeteries are of two general types: 1. the traditional monument cemetery and 2. the memorial type park in which the only grave marker that may be used is a bronze marker set flush with the ground. Before you purchase a plot, check the rules and regulations regarding grave markers, monuments, and restrictions on adornments such as planting around the grave. The cost of markers and monuments varies from the nominal to thousands of dollars. Some cemeteries require that the monument be purchased from them. If the selection of the marker or monument has not been made in advance, it is best to wait until the first shock of death eases before selecting a marker. Select a plot in a cemetery that is managed by a reputable person or group. Check carefully the full meaning of perpetual or endowed care. Are the perpetual or endowed care funds adequately guarded with suitable amounts in reserve for continued service? Is the cemetery going to bill the family for annual upkeep of the grave site? Cemeteries are also located on many churchyards for use by members. Cemeteries are also available for people of specific religious faiths. Ask whether the management of the cemetery has membership in either the American Cemetery Association, the National Cemetery Association, or the Florida Cemetery Association. All of these associations try to keep high standards among members.
4 Funeral Planning 4 The price of a plot varies from $225 for a single lot including perpetual care in a small town municipal cemetery to $700, with perpetual care extra. Find out whether the cost of the plot includes charges for opening and closing the grave. Usually there will be additional charges for opening grave sites. The cost for opening and closing can be as much or more than the cost of the plot. In addition, grave diggers expect a tip. Body and Organ Donation Many people donate their bodies to medical schools for training programs. The bodies are used by the medical schools to train students. In Florida, body donations are made to the Florida State Anatomical Board (J. Hillis Miller Health Center; Box 7-235; Gainesville, FL 32610). The family of the deceased has to pay for transportation and for embalming before the body donation. Prior enrollment is not required. Cremation Cremation, if acceptable to you and your religious beliefs, can be the answer to a reasonably priced funeral. It is a simple, clean, and dignified alternative to burial. In Florida, the state specifically prohibits the funeral director from requiring a casket for cremation, but does not require him to make an alternative container available. Most crematories require a rigid combustible container. In Florida, a medical examiner's permit is required for cremation. Also, authorization from next-of-kin is required by most crematories. There is a 48-hour wait before cremation, and refrigeration or embalming is required after the first 24 hours. Most crematories have refrigerated storage, for which a fee is charged. The average cost of cremation, including transporting the remains, refrigerating, cremating, and filing death certificates was $850 in This does not include the urn; its price ranges from $85 to $550. In Florida, if the person died of a contagious or communicable disease, the doctor in attendance should be consulted before cremation. In addition, most crematories require that a pacemaker be removed before cremation since it could explode during the cremation process and cause damages. There is considerable flexibility over what to do with the cremains (what is left after cremation). They may be scattered if they are converted to unrecognizable skeletal remains, buried at sea, buried on private property or in a cemetery, or the urn may be placed in a columbarium (a building of niches of various sizes and types.) Memorial Societies Memorial societies are nonprofit, non-sectarian groups of volunteers whose goal is to promote simplicity in funeral practices and to emphasize the spiritual values of life and death rather than exalt the physical. Memorial societies can help people plan in advance for simple and dignified arrangements at a savings of 50 to 75 percent of the usual funeral costs. Membership is open to anyone at a one time registration fee. If your place of residence changes, your membership transfers to the memorial society closest to your new home. FTC Funeral Rule The Federal Trade Commission developed a trade regulation rule concerning funeral industry practices, which went into effect on April 30, It is called the Funeral Rule, and its purpose is to enable consumers to obtain information about funeral arrangements. In general, the rule makes it easier for you to select only those goods and services you want or need and to pay for only those you select. For example, now you are able to find the cost of individual items over the telephone. By using the telephone, you can compare prices among funeral providers. Also, when you inquire in person about funeral arrangements, the funeral home will give you a written price list of the goods and services available. The list also discloses important legal rights and requirements regarding funeral arrangements. When arranging a funeral, you can purchase individual items or buy an entire package of goods and services. If you want to purchase a
5 Funeral Planning 5 casket, the funeral director will provide a list that describes their available selection and prices. The Funeral Rule requires funeral directors to give consumers information about embalming that can help them decide whether to purchase this service. Funeral directors may not claim that embalming or a certain kind of casket will indefinitely preserve a body. The Rule also requires the funeral director to inform you when a service fee is added to the price of cash advance items (flowers, obituary notices, clergy honorarium), or if the provider gets a refund, discount, or rebate from the supplier of any cash advance item. In addition, the Rule prohibits funeral providers from making claims that funeral goods, such as caskets or vaults, will keep out water, dirt, and other gravesite substances when that is not true. Prepaid Funerals One in eleven people, or 9.2 percent of persons polled select and prepay for their funeral in advance. The money paid is placed in a trust fund. The interest that accumulates is used to offset inflation since the cost is preset at the time the arrangements are made. If you change your mind regarding the funeral home, or move, you do not lose the money, but the contract may cause a loss of the interest earned on the money. Before making a decision about prepaid plans: Read the contract carefully. Obtain at least two proposals from different funeral homes. Know what is included and what is not; make sure the contract specifies every detail of the funeral. Know the terms of the contract. Know the cost of items and services. Take the contract to your lawyer to get advice. If you want to know if the funeral home is reliable and licensed by the Insurance Department in Florida, you may call their Consumer Hotline at Remember, it is important to plan for your funeral preference before death, but it is not necessary to pay in advance. Financing Funerals Men and women who have served in the armed forces of the United States are entitled to payments of about $ for a funeral service, and $ to cover interment expenses in other than national cemeteries. For service related deaths, an allowance of up to $1, will be furnished in place of any other burial benefit. The Office of the Quartermaster General will furnish a headstone or marker upon proper application. Veterans and their immediate families may be buried in a national cemetery without any charge. A grave marker and a flag will be furnished. Persons covered by Social Security receive a lump sum death benefit of $ for funeral services. Standard type insurance policies are another means of paying for the funeral. This is a very expensive means of paying for a funeral, since you are paying years of insurance premiums. If you plan in advance, you can place the money in savings and when needed it is used to pay for the funeral. Additionally, if you own anything of sufficient value, you need not reserve your savings account for funeral costs since the funeral director's bill has high priority in the settling of an estate. If you have no life insurance coverage, no close family, or no adequate estate, the county Welfare Department of Social Services will provide minimal funeral and burial arrangements. Do not make the decision in a hurry.
6 Funeral Planning 6 References Carlson Lisa. Caring For Your Own Dead. Upper Access Publishers, Much of this vitally important information changes from time to time. It should be reviewed and revised once a year. Consumer Union of the United States, Inc. Funerals: Consumers' Last Rights Continental Association of Funeral and Memorial Societies, Inc. A Multitude of Voices: Funerals and the Clergy. June Federal Trade Commission. Consumer Guide to the FTC Funeral Rule. Bureau of Consumer Protection, April Stephenson, Mary J. Funeral Planning. The University of Maryland, Cooperative Extension Service, Burial Planning Form Every spouse should know the location of all papers, contracts, documents, policies and other needed information pertaining to you. Each should know to whom to turn for advice in case of emergency. The purpose of these sections is to organize this information so that your surviving family members can proceed with the funeral arrangements. Study these sections with your spouse: Personal Information Financial Information Funeral Information Planning List Things to Do Analyze each point carefully and fill in the answers. Keep it in a safe place known to your family. The information will be invaluable to your family for the death certificate, for filing for benefits and for managing financial and legal matters.
7 Funeral Planning 7 Table 1. Personal Information Date: Full Name: Citizenship: Date of Birth: Race: Birthplace: Location of Birth Certificate: Father's Name: Father's Birthplace: Mother's Name (include maiden name): Mother's Birthplace: Marital Status: Spouse's Full Name:(include maiden name) Location of Marriage Certificate: Name of next of kin: (other than spouse) Relationship: Your Occupation: Employer: Address of Employer: If a Veteran Rank: Serial Number: Religious Affiliation: Branch of Service: Date discharged: Congregation: Social Security Number:
8 Funeral Planning 8 Table 2. Financial Information Date: The Will Do you have a will? Yes No If you do have a will: Where is it? When was it written? Lawyer's name: Lawyer's address: Personal Representative's name: Personal Representative's address: Life Insurance Do you have life insurance? Yes No If yes, with what company? Policy number: How is it payable? (Check one) Lump sum only Lump sum and fixed installments for a specified number of years Lump sum and fixed installments for life Where is the policy? Are there any unpaid loans? If loans have been paid in full or part, where are the receipts? Where are the premium receipts? Who is your insurance advisor?
9 Funeral Planning 9 Table 2. Address of insurance advisor: Other Insurance Do you have health insurance? Yes No If yes, with what company? Policy number: Do you have hospitalization insurance? Yes No If yes, with what company? Policy number: Do you have long term insurance? Yes No If yes, with what company? Policy number? Where are the policies? Social Security Do you pay Social Security tax? Yes No If not, have you ever paid Social Security tax? Yes No Do you have an up-to-date employment record showing type of work in each case? Yes No Where is it? Payment of retirement or survivor's benefits is not automatic. Claim should be filed immediately with the nearest office of the Social Security Administration. Address of nearest Social Security Administration office: Banking and Investments Do you have a checking account? Yes No Bank: Account Number: Do you have a savings account? Yes No Bank: Account Number:
10 Funeral Planning 10 Table 2. Do you and your spouse have a joint account? Yes No Which account(s)? Do you have any stocks and bonds? Yes No Which ones? Where are they? Who is your advisor? Address of your advisor. Do you have any U.S. Security and War Bonds? Yes No Where are they? Who is designated as co-owner? Who is designated as beneficiary? Are these bonds listed by serial number or denomination? Where is the list? Do you have a safe-deposit box? Yes No Bank: Box number: Key location: Do you have any other investments: Yes No Where are they? Who is your advisor? Address of your advisor: Property Personal Property Are household goods insured? Yes No Where are the policy and inventory list?
11 Funeral Planning 11 Table 2. Where are the bill of sale and insurance policy for your car(s)? Real Estate Do you own any real estate? Yes No Location of property: In whose name is the title held? Is title insured? Yes No Company: Where is the title insurance policy? Is there a mortgage on the property Yes No If yes, who holds the mortgage: Has the mortgage been paid in part? Yes No If no, how many years remain on the mortgage? Where are the receipts? Where are the real estate tax receipts? Is property insured? Yes No Company: Where are the policies? Do you own a cemetery plot? Yes No If yes, where is it located? Where is the deed? Other Financial Records Personal creditors or debtors, if any:
12 Funeral Planning 12 Table 2. Where are your copies of notes and evidence of payment of loans? Where are your income tax records and receipts? Other financial or legal information:
13 Funeral Planning 13 Table 3. Funeral Information Date: Persons who should be notified upon my death: (Names and addresses) Are you a member of a memorial society? Yes No If yes, name: Funeral home of your choice: Have funeral arrangements been discussed with the directors? Yes No Where are they on file? Have funeral expenses been prepaid? Yes No Which pre-payment plan? Type of disposition requested: (Check one) Donation of body Cremated Burial Type of service preferred: Memorial Funeral Graveside Other
GENERAL INFORMATION FUNERAL/CEMETERY PLANNING A. GLOSSARY OF TERMS Ashes or Cremated Remains the product of reducing the human body through cremation Casket/Coffin - A box or chest for burying human remains.
When Someone Dies Practical help for family and friends What do we do now? Introduction Nearly everyone will experience the death of a loved one or friend. It is a time of decision making, often in the
BOOKLET 2 PLANNING AHEAD Funeral and Memorial Services THE COMPLETE LIFE SERIES Planning Ahead: Funeral and Memorial Services is the second in a series of five booklets on end-of-life planning and care.
Available from: Community Legal Education Association www.communitylegal.mb.ca 2 Prepared by Norm Larsen Produced by Community Legal Education Association To obtain hard copies of this publication ($2.00
FUNERAL PRE PLANNING QUESTIONNAIRE Date Prepared SECTION 1: BASIC INFORMATION Primary Personal Information Personal Information Name (Last) (First) (Middle) Suffix (e.g., Sr., Jr.) Sex (M / F) Social Security
PLANNING PORTFOLIO Expressed W ishessm Peace of Mind for Life Dear Loved Ones, In this Expressed Wishes Portfolio, you will find information that I have recorded and planning that represents arrangements
PERSONAL AND FINANCIAL RECORDS TABLE OF CONTENTS I. MY LAST WILL AND TESTAMENT II. MY DURABLE POWER OF ATTORNEY III. MY LIVING WILL IV. MY HEALTH CARE POWER OF ATTORNEY V. MY PERSONAL HISTORY VI. MY FAMILY
Funeral Planning Author: Christine Schinzel Box 91 Pine Bluffs, WY 82082 (307) 640-5360 Introduction: Planning for your eventual death is one area most people would like to ignore. It s a scary process
Complying With the Funeral Rule Federal Trade Commission August 2012 Contents Introduction... 1 Who Must Comply With the Funeral Rule?... 2 Does the Rule Apply to Pre-Need Arrangements? The General Price
FINAL DETAILS Practical Considerations and A Guide for Survivors When Death Occurs The death of a spouse or loved one is a very difficult time. Yet even during this period of grief and emotional readjustments,
GENERAL PRICE LIST 9850 West Thunderbird Road Sun City, Arizona 85351 Telephone: (623) 875-7500 Fax: (623) 875-7501 Email: firstname.lastname@example.org Website: www.regencymortuary.com Prices effective as
Complying With the Funeral Rule Federal Trade Commission business.ftc.gov Contents Introduction....1 Who Must Comply With the Funeral Rule?....1 Does the Rule Apply to Pre-Need Arrangements? The General
My Life Hello. We re pleased to provide you this complimentary personal record book to assist you in managing your personal and financial life. It was designed to save you time and effort, as well as help
MEMORIAL PLANNING GUIDE CHRISTIAN FIDELITY LIFE INSURANCE COMPANY Memorial Planning Guide There are few subjects which we avoid discussing more than death. Most of us are particularly reluctant, if not
Funeral Organiser Planning Your Goodbye This complimentary booklet is supplied courtesy of THIS DOCUMENT IS IMPORTANT Personal Information Guide GUARDIAN PLAN It should be kept in a safe place known to
This book discusses funerals - a subject which, as we go about our everyday lives, seldom enters our minds. When it does, we do think about funerals emotionally, and often with difficulty. For your convenience,
Mueller-Bies Funeral Homes ~Owned and Operated by Our Founder s Family for Over 100 Years~ 2130 N. Dale St., Roseville, MN 55113 (651) 487-2550 7050 Lake Drive, Lino Lakes, MN 55014 (651) 784-3390 www.muellerbies.com
Final Wishes Planning Guide A personal guide Compliments of: Americo Financial Life and Annuity Insurance Company TO MY FAMILY AND FRIENDS I am aware of the emotional upset one may experience at a time
Advanced Care Planning Updated 05/12 Advanced Care Planning Advanced Planning...1 Choosing a Health Care Representative...2 Designated Representative Form...4 Final Arrangements...5 Medicare Hospice Benefit...8
Pre-Arranging Your Funeral Do your planning now and get on with enjoying life! Contents 3 Planning ahead - it makes perfect sense. 4 Benefits of planning ahead 5 Pre-arrange your funeral in four easy steps
A Gift of Love for My Family My Funeral and Cemetery PLANNING NOTEBOOK I know it sounds odd, but one of the most remarkable and one of the kindest gifts my father gave me was to plan the details of his
General Price List Effective February 1, 2015. Prices are subject to change without notice Families throughout Southern Indiana call us for excellent service and to save thousands of dollars on the price
FUNERAL PLANNING GUIDE Introduction Just as we are brought into this life through the miracle of birth, so must we be aware of the end of life s earthly cycle and prepare ourselves for this inevitability.
The ABCs of Advance Funeral Planning The ABCs of Advance Planning Funeral Prearrangement A. Selection of service B. Selection of merchandise Prefunding C. Payment options Consider This... Most significant
1 Career Transition Center George P. Shultz National Foreign Affairs Training Center U.S. Department of State What My Family Needs To Know This list contains important information in that you can modify
What To Do When Someone Dies This is a step by step guide to help you clearly navigate the death of a loved one and what you must do. Immediately- PRONOUNCEMENT OF DEATH g CALL CORONER S OFFICE OR DIAL
THIS ESTATE PLANNER IS PRESENTED TO (Name of entrusted person) The personal record of vital information recorded in this Estate Planner is of value to you, your family, your lawyer and your executor. An
Snoq. Tribal Code T. 13, Ch. 3, Refs & Annos Chapter 3. Snoqualmie Tribal Funeral Assistance Code GENERAL NOTES An Act Relating To Funeral Assistance Be It Enacted By The Snoqualmie Tribal Council Enacted
After-Death Planning ~ Adapted from. Death to Dust: What Happens to Dead Bodies? 2nd edition by Kenneth V. Iserson, M.D. ISBN 1-883620-22-8 $48.95 (hard cover only) + $3.50 shipping Galen Press, Ltd. PO
PERSONAL RECORDS ORGANIZER 1. Information Regarding These Records This information was compiled on the day of, 20. 2. Personal Information My full legal name is: I reside at: City State County I was born
& CREMATION SERVICES r GENERAL PRICE LIST Effective December 7, 2009 Subject to change without notice. FD 228 2254 Market Street San Francisco, California 94114 Tel. (415) 621-4567 Fax (415) 621-8007 www.sullivansfh.com
Final Wishes Planning Guide arrangement plan, please contact Dignity Planning at Final Wishes Planning Guide (Your ) Dear This gift presented by: Representative Phone It is my wish that you be spared from
TO MY SURVIVOR(S) WHAT TO DO IF I DIE! Before you do anything else, draw out whatever money we have in the savings and checking accounts to have something to live on so the bank doesn't freeze the assets
QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE Prepared by: Long Term Care Assistance Project, Maryland Legal Aid Updated January 2015 Medical Assistance is a government-funded program
Funeral & Cremation Service Of Orange County 351 N. Hewes Street, Suite A Orange, California 92869 FD 1567 (714) 667-7991 FAX (714) 639-8862 www.orangecountycremation.com email: email@example.com General
Law Office of STEVEN P. OMAN, P.C. 8664 E. Chama Road Telephone: (480) 348-1470 Scottsdale, Arizona 85255 Facsimile: (480) 348-1471 e-mail: firstname.lastname@example.org AFTER A DEATH OCCURS A Checklist What follows
Paying Final Respects Your Rights When Buying Funeral Goods & Services Federal Trade Commission consumer.ftc.gov When a loved one dies, grieving family members and friends often are confronted with dozens
Immediate Solution &10 Pay Solution Your Final Expense Insurance Protection Policy WHY DO YOU NEED PROTECTION FOR FINAL EXPENSES? Did you know? Social Security pays only $255 as a lump sum death benefit
PUT YOUR HOUSE IN ORDER Cetera Investment Services Susan J. Cavell, Investment Executive 200 E. Main St. Harbor Springs, MI 49740 Tel: (231) 526-3997 Fax: (231) 526-9575 Securities and insurance products
Study on Individual County Policies and Indigent Burial Cost Phu Duong & Hongsik Kim PADM 5312-001 Statistics for Public Administrators Dr. Daniel J. Jorgenson May 10, 2010 Study on Individual County Policies
INFORMATION FOR MY EXECUTOR The information in this booklet will be helpful in settling my estate. Cowan & Kelly 402 Middletown Blvd. Suite 202 Langhorne, PA 19047 215-741-1100 FAX 215-741-4029 My Full
Making Sense of Prepaid Funerals Thank you for enquiring about a prepaid funeral service with Stephen Baggs Funeral Directors. When people are first thinking of paying for a prepaid funeral we have often
Checklist to Use When A Person Dies Coping with the loss of a loved one is difficult. We hope the following information will help you focus on what needs to be done. You may wish to delegate some of these
Estate Settlement In Utah Marc A. Austin, P.C. All rights reserved. No portion of this booklet may be reproduced without written permission. Marc A. Austin, P.C. Attorney at Law 3521 North University Avenue
I m glad I talked to my mom about preplanning. preplanning with harris funeral home Thank you for considering preplanned arrangements with Harris Funeral Home. STEVE HARRIS Families appreciate the clear
INVENTORY AND RECORD OF Valuable Papers Every person has important papers relating to personal records, property ownership, insurance, finances, and other business affairs. Good management dictates that
Questions & Answers on Medical Assistance for Nursing Home Care In Maryland 1. What is Medical Assistance? Will the Nursing Home or the State take my house? Will we have to use my spouse s income to pay
Immediate Solution, 10 Pay Solution & Easy Solution Product Overview 84586 _TLIC_TPLIC_TFLIC 0914 DID YOU KNOW... Many Americans believe that Social Security will pay for their final expense needs, however,
Anatomical Gift Form I agree that, upon my death, I wish my body to be offered to the, to be preserved and used in such a manner as the University deems desirable for educational and scientific purposes.
Time to Reflect Your Personal Funeral Planning Guide My personal history By recording your personal history and funeral preferences, you will help your loved ones in their time of need. PERSONAL INFORMATION
Hennepin County Burial Assistance Policy January 01, 2016 Maximum Burial Costs In accordance with MN Statute 261.035, Hennepin County will provide for the immediate burial or direct cremation for residents
Helping you through this difficult time. New York Life Insurance Company New York Life Insurance and Annuity Corporation (A Delaware Corporation) 51 Madison Avenue New York, NY 10010 www.newyorklife.com
TWIFORD FUNERAL HOMES, LLC CEMETERIES & CREMATORIUM Effective Date March 7, 2016 Colony Chapel 500 Budleigh Street Manteo, NC 27954 (252) 473-2449 Memorial Chapel 405 East Church Street Elizabeth City,
private client newsletter mfg Solicitors: a new shape of lawyer PERSONAL INFORMATION GUIDE This Personal Information Guide is presented to... (We recommend that this form is kept in a safe place but that
Things to Consider and Do Before Death Occurs Most often, the moment that death occurs takes us by surprise. Even when someone is ill, we usually do not know precisely when death will come. But sometimes
725 South Fairmont Avenue Lodi, California 95240 (209)369-3564 Fax (209)369-3373 FD627 Thoughtful Service Within the Means of All Since the founding of Lodi Funeral Home in 1932 by Samuel D. and Mildred
~ Department of Veterans What Are VA Burial Allowances? VA burial allowances are partial reimbursements of an eligible veteran's burial and funeral costs. When the cause of death is not service related,
FINANCIAL & ESTATE PLANNING ORGANIZER Blank FINANCIAL & ESTATE PLANNING ORGANIZER In order to simplify matters, the following pages of financial and estate planning information serve to aid my family in
Toppitzer Funeral Home, Inc. Joan M. Hagan, Supervisor 2900 State Road Drexel Hill, PA 19026 (610) 259-1111 GENERAL PRICE LIST These prices are effective as of January 15, 2012, but may be subject to change
Funerals - Cremations - Pre-Planning Information Guide & General Price List These prices are effective January 1, 2015 and are subject to change without notice. 5303 Kitsap Way Bremerton, WA 98312 Tel.
Dignified and Affordable Without Compromise 1700 W. Caldwell Avenue Visalia, California 93277 Phone: (559) 625-8900 Fax: (559) 625-3761 FD# 2129 Email: HadleyMarcom@aol.com General Price List Prices effective
Estate Planning Workbook A workbook designed to support you in gathering and recording your personal and estate information Provided by: Frontier College 35 Jackes Avenue Toronto, Ontario M4T 1E2 416-923-3591
What to do when a loved one dies A survivor s checklist. IMMEDIATELY FOLLOWING THE DEATH, YOU SHOULD: 1. Contact the funeral home to take your loved one into their care. 2. Contact your minister. 3. Alert
Legislative Fiscal Bureau One East Main, Suite 301 Madison, WI 53703 (608) 266-3847 Fax: (608) 267-6873 June 4, 2001 Joint Committee on Finance Paper #476 Treatment of Irrevocable Burial Trusts under MA
Case 7:12-cv-03733-NSR Document 18-1 Filed 01/02/14 Page 1 of 11 EXHIBIT A Case 7:12-cv-03733-NSR Document 18-1 Filed 01/02/14 Page 2 of 11 Page2 of11 We"stlaw. Page I Code of Federal Regulations Currentness
Will and Living Trust information Packet University of the Nations Gift Planning Services 75-5851 Kuakini Hwy, #433 Kailua-Kona, Hawaii 96740-2199 Phone 808-326-4453 Dear Friend of YWAM Kona, Many people
4323 Moorpark Avenue, Suite C ~ San Jose, CA 95129 Phone: 408-777-8100 ~ Fax: 408-777-8108 www.beddingfieldfuneralservice.com General Price List This list does not include prices for certain items that
PINE HILL CEMETERY ASSOCIATION, INC. 1530 E 39 th St DAVENPORT IOWA 52807 PHONE (563) 391-5130 EMAIL email@example.com Website www.pinehillcemeterydavenport.com Caring for the Quad City Community
Bay Area Mortuary Services California Funeral Establishment FD 1829 Arrangements Office & Community Chapel 1701 Little Orchard Street San Jose, CA 95125 www.bayareamortuary.com Phone: 408-998-2202 Fax:
Arlington Burial & Cremation Place you r m essag e h ere. Fo r m axim um i mpact, use two or t hre e se ntenc es. 1220 George C. Wilson Drive, Suite C Augusta, Georgia 30909 www.arlingtonfuneral.com 762-994-0311
FCS5201 1 Mary N. Harrison 2 From prehistoric times to the present, mankind has devoted considerable attention to the transition from life to death through the use of rituals that are based on culture,
General Price List The Area s Oldest Family-Owned Funeral Home THESE PRICES ARE EFFECTIVE AS OF AUGUST 31, 2011, BUT ARE SUBJECT TO CHANGE WITHOUT NOTICE. The goods and services shown below are those we
New York Chiropractic College Anatomical Gift Program GENERAL INFORMATION BODY DONATION INFORMATION NEW YORK CHIROPRACTIC COLLEGE Anatomical dissection plays an important role in modern health care education
The most thoughtful decision you could make The UK s largest independent funeral plan provider Page 1 The most thoughtful decision you could make Page 2 A sound financial decision Page 3 Protection against
Getting Your Affairs In Order and A Guide for Your Survivors Office of the New York State Comptroller Alan G. Hevesi New York State and Local Retirement System Employees Retirement System Police and Fire
ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON BEREAVEMENT CARE SERVICES INDUSTRY CONTENTS INTRODUCTION... 1 Overview of Goods and Services Tax (GST)... 1 GENERAL OPERATIONS OF THE INDUSTRY...