Funeral costs can be a tricky thing to pin down if you are trying to plan ahead and protect your family by setting aside funds for a funeral in advance. After all, you don’t know what you don’t know, and you may be overlooking a few items in your estimate. If you are planning a funeral or considering advance funeral planning, there are certain funeral costs that are actually often overlooked. With any funeral, there will be services that are not expressly provided by the funeral home. These third-party services go by the name of “cash advance items.”
To put it simply, a family will advance funds to the funeral home, who will then use those funds to pay for third-party services on the family’s behalf. Of course, the family will first approve these funeral costs. According to The Funeral Rule, set in place by the Federal Trade Commission, a funeral home can mark up the price for cash advance items, but they must disclose how much the service is marked up in their General Price List (GPL). As an additional protection for you, as the consumer, The Funeral Rule requires that a funeral home inform you if any refunds, rebates, or discounts applied to the cash advance items you requested.
That said, if you feel that the mark up is not commensurate to the task, you can always take care of arranging these third-party services on your own. However, keep in mind that in most cases, families don’t have the time or energy to take care of all the necessary details in a short amount of time. Instead, they rely on the funeral home to take care of these needs so that they can focus on spending more time with their loved ones.
Some of the most commonly overlooked funeral costs are:
1. Death Certificates
First of all, most people don’t realize how many death certificates they will need. Keep in mind, the state or municipality determines the cost of a death certificate, and it can change over time. As a general rule, purchase multiple copies – more than you think you will need. Copies of a death certificate are typically requested for life insurance policies, social security or veterans’ benefits, stocks, bonds, banks, or for any number of other documents or establishments.
2. Cemetery and Monument Charges
Whether you choose burial or cremation, you will likely need to consider cemetery costs in your plans. Cemetery charges would include the cost of a burial plot or a niche in a columbarium or mausoleum, plus any fees associated with opening and closing the grave. Also, consider the cost of a plaque or monument, along with a monument or plaque installment fee. The cemetery proprietor and monument or plaque company determine these fees because many funeral homes do not own a cemetery or monument company themselves.
3. Obituary/Death Notice
Many people are surprised at the cost associated with publishing an obituary or death notice in a newspaper, especially in a larger city. In most cases, the funeral home will publish an obituary to the funeral home’s website, but if you wish to post it elsewhere, the fee may be higher than you expect.
4. Church or Venue Charges
If you choose to have a funeral or memorial service outside the funeral home’s facility, the venue you choose may charge a fee to use the space. Be sure to set aside enough for the rental of a space for the funeral service, visitation, and reception after the funeral.
5. Specialty Music
If you elect to have special music, it is likely that an honorarium will be necessary. Additionally, the musician/group you choose to hire will determine the cost.
6. Officiant Honorarium
It is customary to offer an honorarium to the officiant or celebrant. In many cases, this will be a clergy person. A friend of the family may officiate for free if you agree to this arrangement in advance. However, be sure to communicate clearly with the clergy person who takes their time to prepare a personalized eulogy. Also, be aware that independent celebrants will set their own fee.
Depending on the time of year, the cost of flowers will fluctuate. Unfortunately, this makes it hard to pin down an actual cost. Again, the funeral home is not likely to have its own florist (though some may). The funeral home can purchase floral arrangements on your behalf.
In many cases, pallbearers are family members and friends. However, for some, it is difficult to find a full six to eight pallbearers. If you require assistance with pallbearers, the funeral home can help you hire the help needed. The pallbearers will expect payment for services rendered.
9. Police Escort
Finally, it is common practice to request a police escort for the funeral procession from the funeral home to the final resting place. With an escort, the funeral procession is able to move through traffic in an orderly way and without traffic delays. The cost associated with this service is determined by local rates.
While not all-inclusive, this list shares nine of the funeral costs that most people don’t usually consider. If you are interested in planning ahead, you can sit down with a funeral director or advance planning specialist. You may want to discuss getting an accurate funeral cost estimate that includes cash advance items. That way, you can carefully consider how much money to set aside for these expenses when the need arises. A funeral professional can help you determine an accurate amount based on local and customary rates.