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christy.kessler

Apr 09
Love0

9 Funeral Costs That Are Often Overlooked

By Plan Ahead, Planning Tools

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.

7. Flowers

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.

8. Pallbearers

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.

 

Apr 05
Love0

11 Meaningful Ways to Honor Your Loved One’s Ashes

By Cremation, Memorial, Plan Ahead, Planning Tools

If you are considering cremation, whether for yourself or for a loved one, it’s important to think about all the options available to you. As a term, “final disposition” refers to the body’s final resting place. It is important, no matter which option you choose, to decide on a permanent resting place for a person’s body. If traditional burial is chosen, the body is placed in a casket and respectfully interred in a cemetery. When cremation is selected, because there are many additional options, the decision isn’t quite so simple.

If you are looking for meaningful ways to honor the cremated remains of a loved one, this list may give you some ideas on where to start. Some are popular options; others are a little out of this world. Keep in mind that a loved one’s ashes can be divided so that some are used for one purpose and the rest for another. As you review this list, put careful consideration into your decision. Remember, it’s important to give family members and future generations a place to return to as they search for meaning. Many people desire to have a place to return to for a time of reflection.

1. Burial

Typically, a cremated body is buried in either a plot (grave) or in an urn garden. Cemeteries can often accommodate either request. If you purchase a plot, most cemeteries will allow you to bury the cremated remains of multiple people in one plot, if you desire. One thing to remember: if you do purchase a plot, you will likely need to purchase an urn vault as well. By placing the urn in an urn vault, you protect it from the pressure of the soil. Also, in the event that the urn begins to deteriorate, the vault will keep the soil around it in place, protecting the cremated body inside. Regarding urn gardens, some cemeteries have an area dedicated to the garden while others inter the remains in the landscaping, perhaps in a fountain or a bench.

2. Columbarium

An above-ground structure, the columbarium functions expressly as an interment location for cremated remains. It is filled with niches (wall spaces) in which urns are placed and interred. A bronze plaque with an epitaph will be placed on the exterior of the niche.

3. Scattering

Scattering is the act of taking a loved one’s ashes to meaningful places and scattering them. This could be by the ocean, in the mountains, specific countries or places. If you want to scatter your loved one’s ashes in a special place, make sure that you are following all the laws and regulations associated with that place. If you decide to scatter all of a loved one’s ashes, take time to prepare yourself emotionally. For some, it is a shock to realize that everything remaining of a loved one is literally gone.

Another option is a scattering garden. This is a designated, beautiful space often attached to a cemetery. The scattering garden is simple and environmentally friendly. If you select a scattering garden, the cemetery often provides a means of adding a permanent physical marker so that family and friends feel more connected to the lost loved one.

A final option for scattering is an ossuary. An ossuary is a community resting place for cremated remains, often underground, with a memorial plaque nearby. It is often a less expensive option.

4. Keeping the Ashes at Home

More people are beginning to keep the cremated body of a loved one at home. Most often, the family selects an urn to house the ashes. This option is definitely viable, but something to consider if you decide to keep the ashes at home: make sure that you indicate in your will what should be done with the cremated body when you die. After your own death, whoever handles your estate may not know about your loved one’s urn and may dispose of it unknowingly. So, if you do keep a loved one’s cremated body in your home, make sure that you communicate a plan for their care after you are gone.

5. Cremation/Memorial Jewelry

Another popular option is to place a small amount of a loved one’s ashes in cremation jewelry. Often cremation jewelry design includes a small interior space (like a locket) where the ashes are placed. You can choose from various styles, metals, and types (e.g. necklaces, rings, pendants, etc.).

6. Planting Ashes

It is now possible to plant a loved one’s ashes so that a memorial tree will grow. The tree does not actually grow because of the cremated body. Instead, you will place a special, biodegradable urn in the ground. In the top section, seeds and soil mix together. There is a separate section underneath for the ashes. First, the seeds grow in the soil, and once they reach a certain level of growth, the roots spread down the ashes, and everything mingles together. There are a number of companies that specialize in this practice, if you are interested.

7. Under the Sea

There are now options available at sea. One option is to have a special urn placed in an underwater mausoleum (similar to a columbarium). Another option is to mix the cremated body with concrete to create an artificial coral reef. These artificial coral reefs assist in the repair and conservation of natural coral reefs by having a positive impact on the ocean’s habitat. As a memorial to your loved one, consider affixing a plaque to the artificial reef. Also, in many cases, it’s possible to be present as the reef is placed in the ocean.

8. Launched into Space

Interestingly enough, it is now possible to send a person’s ashes into space. If your loved one adored space and all its mysteries or was always looking for the next big adventure, you might consider this option. Of course, there will be regulations and stipulations to follow, but it is an option available to you.

9. Stained Glass or Hand-Blown Glass Keepsakes

Another possibility is to have the ashes of a loved one infused with glass to create beautiful pendants, paperweights, orbs, and other glassware. During the creation process, layers of hot glass encase the ashes. The process fuses the two (glass and ashes) together permanently. As with memorial jewelry, this option requires only a small portion of the cremated body.

10. Pressed into a Diamond

A growing trend is to forge a cremated body into diamonds, which are made of crystallized carbon. This is possible because the second most abundant element in the human body is carbon. After the diamond-making process is complete, the family can create memorial jewelry or other items of significance to remember someone loved.

11. Hour Glass

Essentially, this is exactly what it sounds like. Rather than purchasing an urn, you can purchase an hour glass for a loved one’s ashes. They come in many shapes, sizes, and colors, and you can mix in colored sand if you want. They also have the added benefit that you can choose to place a specified amount of ashes in the hour glass and then place the remainder somewhere else, such as in an urn or scattering garden.

As you can see, there are many ways to honor the cremated body of someone dearly loved. The most important thing now is to determine which will be the most meaningful for you and your family. And keep in mind – these are only some of the options. There may be something else out there just right for you.

Mar 27
Love0

The Healing Power of Ritual

By Grief/Loss, Meaningful Funerals

Throughout our lives, we participate in rituals. In some cases, we may not even know that we are taking part in a ritual. At weddings, we toss the bouquet. And there’s the old adage for brides: something old, something new, something borrowed, something blue. We all have our holiday traditions (rituals) that we look forward to year after year. Graduation ceremonies are another wonderful example of a ritual that marks a milestone in life. And birthdays – most of us celebrate them yearly with either great or modest, and sometimes reluctant, fanfare. And, for those who are spiritual, holy days throughout the year are full of ritual, tradition, and significance.

But what does the term “ritual” really mean? The word has Indo-European roots and means to “fit together.” It is related to words like “order,” “weaving,” and “arithmetic.” All of these words involve fitting things together to create order. Rituals fit, or put, things back together. This is especially important for a meaningful and healing funeral experience.

When a loved one dies, it makes sense to turn to rituals to help us put our lives back together again. Grief is chaotic and disorienting. It rips our world apart. In fact, the word “bereaved” comes from the root “reave,” which means to be robbed by force. “Grieve” stems from French root “grever,” meaning to burden, afflict, or oppress. The elements of a healing funeral are rituals that work together to restore order to our lives after everything is torn apart by the chaos and pain created by the death of someone loved.

The Comforting Nature of Rituals

Even with a clearer definition, the question still remains, what is it about rituals that is so comforting?

They encourage us to remember

To begin with, rituals connect us to the past and provide stability for the future. As we remember what has gone before, we are comforted by those memories. At Christmas, we often find joy in remembrance of Christmases past. At funerals, we seek to remember, to value, and to honor the life of a uniquely special person.

They bring us together

Rituals also bring us together as families and communities. Whether it is gathering for Good Friday services or joining in the town’s Fourth of July parade every year, we come together, we support each other, and we find unity.

They offer us peace

In many ways, by taking part in rituals, we actively seek peace within ourselves. For example, it gives us a measure of internal peace to pray when someone is sick or injured. Or, after someone we love has died, we receive comfort when we visit their final resting place or do something special and significant on the day of their birth or death. By taking part in ritual, an intentional habit to recall and reminisce, we find comfort and a release for our pain.

They give us focus

By participating in powerful rituals, we gain a sense of focus. We take our eyes off ourselves and see beyond our own difficulties. If you decide to volunteer at a local soup kitchen in tribute to a lost loved one, you are not focused on your own needs but on the needs of another.

They help us in our search for meaning

And finally, rituals play a significant role in our search for meaning. Religious rituals are part of an inner search for meaning and purpose. A search for meaning is found in natural, normal rituals: visiting the graves of lost loved ones, reciting vows at a wedding, and celebrating a significant day. We are all constantly searching for significance and purpose, and rituals are a powerful tool in the search.

The Funeral Ritual

In much the same way, the funeral is a ritual that humankind has participated in since the beginning of time. Noted author, counselor, and grief expert, Dr. Alan Wolfelt, puts it this way:

“The funeral ritual, too, is a public, traditional and symbolic means of expressing our beliefs, thoughts and feelings about the death of someone loved.  Rich in history and rife with symbolism, the funeral ceremony helps us acknowledge the reality of the death, gives testimony to the life of the deceased, encourages the expression of grief in a way consistent with the culture’s values, provides support to mourners, allows for the embracing of faith and beliefs about life and death, and offers continuity and hope for the living.”

By taking part in the elements of a meaningful and healing funeral service, we participate in the long-held and necessary tradition of the funeral. By taking time to mourn, we learn to reconcile with grief and move forward to find continued meaning in life.

Funerals encourage us to remember those we have lost. They bring us together as families, friends, and communities. They offer us peace as we are faced with the reality of our grief and begin to reconcile ourselves to it. Symbols – lighting candles, wearing dark clothing, attending services – give us focus and intentionality. And perhaps most of all, they help us in our search for meaning, our search to understand where we come from and who we are.

Mar 19
Love0
A young person cradling a red, plush heart in hands

7 Elements of a Healing and Meaningful Funeral

By Meaningful Funerals, Planning Tools

Image that shows the 7 elements of a funeral - music, readings, visitation/receptions, eulogy/remembrance, symbols, gathering, and actions

The Elements of a Meaningful Funeral Service

“People who take the time and make the effort to create meaningful funeral arrangements when someone loved dies often end up making new arrangements in their own lives. They remember and reconnect with what is most meaningful to them in life…strengthen bonds with family members and friends. They emerge changed, more authentic and purposeful. The best funerals remind us how we should live.” – Dr. Alan Wolfelt

In order for a funeral service to be a healing and meaningful experience, there are several tried and true elements that you should consider incorporating. Dr. Wolfelt tells us that these elements are necessary to facilitate the six needs that a funeral fulfills: 1) acknowledging the reality of the death, 2) embracing the pain of the loss, 3) remembering the person who died, 4) developing a new self-identity, 5) searching for meaning, and 6) receiving ongoing support from others.

If you are planning a funeral, whether because someone you love has died or you are making advance funeral plans, give thoughtful consideration to how you can implement these healing and meaningful elements.

Music

Personal playing a stringed instrument as they play special music at a meaningful funeral

First of all, music sets the tone of a funeral and brings emotions to the forefront. In fact, one of the purposes of a funeral is to allow mourners to grieve together, and in many ways, music says what words cannot. Don’t be afraid to invite people to express grief. Consider using music that was significant to the lost loved one.

Why Include Special Music in a Funeral Ceremony?

Top 10 Hymns for a Funeral Ceremony

Top 10 Songs for a Funeral Ceremony

Readings

Second, readings add another facet to a meaningful service. They are another way to not only invite mourners to express their emotions, but readings bring the unique spirit of the one who has died to life. Did they have a favorite book? Poem? Were they a person of faith who would want passages read?

How do Readings Enhance the Funeral Experience?

Top 10 Poems for a Funeral Ceremony

Viewing/Visitation/Reception

Two people holding hands as they participate in the elements of a funeral

Third, the viewing or visitation is a time for family, friends, coworkers and neighbors to gather and express support and sympathy. If it is decided to have a viewing, it is an opportunity for mourners to see this special person one last time and begin to acknowledge the reality of their death. For many, as part of the grieving process, it is important to physically see the body. The viewing offers this opportunity.

Why Have a Visitation?

Why Should the Body Be Present?

Eulogy/Remembrance

Fourth, the eulogy may be the single most important aspect of a funeral service. It is the time to acknowledge and affirm the significance of the life lived. With that in mind, take time to share treasured memories, quotes, or even the lost loved one’s favorite jokes. The eulogy, sometimes called the “remembrance” or the “homily,” can be delivered by a clergy person, a family member, or even by a series of people.

What is a Eulogy?

Crafting a Eulogy

Symbols

Fifth, symbols, or symbolic acts, offer a focus point for the bereaved as well as a sense of comfort. Common symbols are a cross (or another appropriate religious symbol), flowers, and candles. For example, the act of lighting a candle, planting a memorial tree, and wearing dark clothing are all symbols we utilize.

The Importance of Symbols

Gathering

People gathering together to honor a special person

Sixth, the gathering is an opportunity for friends and family to come together after the funeral service to share stories and to support each other. While you consider the benefits of a gathering, take a few moments to read the article below.

What is a Gathering?

Actions 

And finally, by inviting others into action at the funeral service, you engage mourners and invite them to put their grief into motion. Simply put, mourning is the outward expression of our inward grief. To move others toward healing, it is important to invite them to act.

How Do Actions Help us Heal?

If you use these elements as a guide for creating a funeral service, it will be a sweet, meaningful, and healing experience. Those who come to mourn will leave feeling like they have honored a life lived and have taken the first healthy step on their grief journey.

Mar 19
Love0

The Capacity to Love: The Reason We Grieve

By Grief/Loss

“Every time we make the decision to love someone, we open ourselves to great suffering, because those we most love cause us not only great joy, but also great pain. The greatest pain comes from leaving…the pain of the leaving can tear us apart. Still, if we want to avoid the suffering of leaving, we will never experience the joy of loving. And love is stronger than fear, life stronger than death, hope stronger than despair. We have to trust that the risk of loving is always worth taking.”   – Henri Nouwen

“All you need is love,” famously sang the Beatles. I couldn’t agree more. We come into the world yearning to give and receive love. Authentic love is God’s greatest gift to us as human beings. Love is the one human experience that invites us to feel beautifully connected and forces us to acknowledge that meaning and purpose are anchored not in isolation and aloneness, but in union and togetherness.

What higher purpose is there in life but to give and receive love? Love is the essence of a life of abundance and joy. No matter what life brings our way, love is our highest goal, our passionate quest. Yes, we have a tremendous need for love – love that captures our hearts and nourishes our spirits.

In fact, our capacity to give and receive love is what ultimately defines us. Nothing we have “accomplished” in our lifetime matters as much as the way we have loved one another.

Yet love inevitably leads to grief. You see, love and grief are two sides of the same precious coin. One does not – and cannot – exist without the other. People sometimes say that grief is the price we pay for the joy of having loved. This also means that grief is not a universal experience. Grief is predicated on our capacity to give and receive love. Some people choose not to love, and so, never grieve. If we allow ourselves the grace that comes with love, however, we must allow ourselves the grace that is required to mourn.

The experience of grief is only felt when someone of great value, purpose, and meaning has been a part of your life. To mourn your loss is required if you are to befriend the love you have been granted. To honor your grief is not self-destructive or harmful, it is life-sustaining and life-giving, and it ultimately leads you back to love again. In this way, love is both the cause and the antidote. Just as our greatest gift from God is our capacity to give and receive love, it is a great gift that we can openly mourn our life losses.

It is important to understand that grief and mourning are not the same thing, however. Grief is the constellation of thoughts and feelings we have when someone we love dies. We can think of it as the container. It holds our thoughts, feelings, and image of our experience when someone we love dies. In other words, grief is the internal meaning given to the experience of loss. Mourning is taking the grief we have on the inside and expressing it outside of ourselves.

Making the choice not just to grieve, but to authentically mourn, provides us the courage to live through the pain of loss and be transformed by it. How ironic that to ultimately go on to live well and love well we must allow ourselves to mourn well. You have loved from the outside in, and now you must learn to mourn from the inside out.

About the Author:

Dr. Alan Wolfelt is a noted author, educator, grief counselor. Dr. Wolfelt believes that meaningful funeral experiences help families and friends support one another, embrace their feelings, and embark on the journey to healing and transcendence. Recipient of the Association of Death Education and Counseling’s Death Educator Award, Dr. Wolfelt presents workshops across the world to grieving families, funeral home staffs, and other caregivers. He also teaches training courses for bereavement caregivers at the Center for Loss and Life Transition in Fort Collins, Colorado, where he serves as Director. Dr. Wolfelt is on the faculty of the University of Colorado Medical School’s Department of Family Medicine. He is also the author of many bestselling books, including Understanding Your Grief, The Mourner’s Book of Hope, Creating Meaningful Funeral Ceremonies, and The Paradoxes of Grief: Healing Your Grief With Three Forgotten Truths, upon which this series is based. For more information, visit www.centerforloss.com

Printed by permission of Dr. Alan D. Wolfelt, all rights reserved.

Mar 19
Love0

Love and Grief: Living as You Were Meant to Live

By Grief/Loss

“We are all mirrors unto one another. Look into me and you will find something or yourself as I will of you.”  – Walter Rinder

Love is a sacred partnership of communion with another human being. You take each other in, and even when you are apart, you are together. Wherever you go, you carry the person inside you. Communion means the sharing or exchanging of intimate thoughts and feelings, especially on a spiritual level. When two people love one another, they are connected. They are entwined.

Communion of Lives

The word “communion” comes from the Old French comuner, which means “to hold in common.” Note that this is different than “to have in common.” You may have very little in common with another person, yet love them wholeheartedly. Instead, you hold things in common – that is, you consciously choose to share one another’s lives, hopes, and dreams. You hold her heart, and she holds yours.

This experience of taking another person inside your heart is beyond definition and defies analysis. It is part of the mystery of love. Love has its own way with us. It knocks on our hearts and invites itself in. It cannot be seen, but we realize it has hap­pened. It cannot be touched, yet we feel it.

Communion of Grief

When someone we love dies, then, we feel a gaping hole inside us. I have compan­ioned hundreds of mourners who have said to me, “When she died, I felt like part of me died, too.” In what can feel like a very physical sense, something that was inside us now seems missing. We don’t mourn those who die from the outside in; we mourn them from the inside out.

The absence of the person you love wounds your spirit, creates downward movement in your psyche, and transforms your heart. Yet even though you feel there is now a hole inside you, you will also come to know (if you haven’t already) that those you love continue to live on in your heart. You remain in communion with those you love forever and are inextricably connected to them for eternity.

Yes, you will grieve the person’s absence and need to express your feelings of grief. You must mourn. You must commune with your grief and take it into your heart, embracing your many thoughts and feel­ings. When you allow yourself to fully mourn, over time and with the support of others who care about you, you will come to find that the person you lost does indeed still live inside you.

Love abides in communion – during life and after death. And mourning is com­munion with your grief. With communion comes understanding, meaning, and a life of richness.

Greater Than the Sum of Its Parts

”Accept the things to which fate binds you, and love the people with whom fate brings you together, but do so with all your heart.”  – Marcus Aurelius

When you love another person, it can feel like one plus one equals three.

I’m sure you’ve heard the saying, “The whole is greater than the sum of its parts.” Love is like that. Two people can come together and form a partnership that enables each person to be “more” in so many ways.

Here’s another way to think about this idea: Love is like an orchestra. You may be a clarinet – a strong, fine wind instrument all by yourself. But when you surround yourself with other instruments, each of which does the work of carrying its own part and practicing its own music, to­gether as a group you can blow the doors off the place.

I much prefer this expansive concept of love over the long-held reductionist belief that two become one. If two become one, both participants in the relationship are diminished. Conversely, what truly feeds the soul of a loving relationship is expansion, mutual-nurturance, and growth.

Without doubt, being part of a synergistic, two-makes-three relationship requires a conscious commitment. Did your rela­tionship with the person who died feel enhancing or diminishing? In synergistic relationships, there has to be space and encouragement to be real and authentic. Were you empowered to be your true self or disempowered to be something you were not? Did your two make three, or did your two make you less than one? If your two made less than one, perhaps you are now faced with mourning what you never had but wished you did. How human is that?

If, on the other hand, your relationship with the person who died made you greater than the sum of your parts, what happens now that one of you is gone? You may feel diminished. You may feel empty. You may feel less than whole. Your self-identity may even seem to shrink as you struggle with your changing roles. If you are no longer a wife (or a mother or a sister or a daughter), what are you? If you are no longer a husband (or a father or a brother or a son), what are you?

The experience of mourning can feel piecemeal – a cry here, a burst of anger there; a deep sadness today, a crush of guilt tomorrow. You might feel a sense of disorientation from the scattered and ever-changing nature of your grief.

But when you trust in the process of grief and you surrender to the mystery, you will find that mourning, like love, is also greater than the sum of its parts. Leaning into your grief and always erring on the side of expressing rather than inhibiting or ignoring your thoughts and feelings – ­no matter how random and disjointed they might seem some days – will bring you to a place of transformation. You will not just be different from the person you were before the death. You will be greater. Your experience of love and grief will create a changed you, a you who has not only survived but who has learned to thrive again in a new form and in a new way.

And just as love connects you to others, so should grief. You need the listening ears and open hearts of others as you express your thoughts and feelings about the death. You need the support of others as you mourn.

Yes, love and grief are both greater than the sum of their parts. The lesson I take from this is that whenever you engage fully and openly in life, experiencing both the joys and the sorrows head-on, you are living the life you were meant to live.

About the Author:

Dr. Alan Wolfelt is a respected author and educator on the topic of healing in grief. He serves as Director of the Center for Loss and Life Transition and is on the faculty at the University of Colorado Medical School’s Department of Family Medicine. Dr. Wolfelt has written many compassionate, bestselling books designed to help people mourn well so they can continue to love and live well, including Loving from the Outside In, Mourning from the Inside Out, from which this article is excerpted. Visit www.centerforloss.com to learn more about the natural and necessary process of grief and mourning and to order Dr. Wolfelt’s books.

Printed by permission of Dr. Alan D. Wolfelt, all rights reserved.

Mar 07
Love0

What to Expect at a Funeral Arrangement Conference

By Plan Ahead, Planning Tools

None of us are ever truly prepared to lose someone we love. Whether the loss comes suddenly or has been long expected, you may experience a wide range of emotions: shock, denial, fear, confusion, guilt, regret, sadness. Numbness and shock are common in the first two days, which is usually when the arrangements occur. To help ease the burden you may feel so soon after a loss, it’s helpful to know what to expect when you head into an arrangement conference. Preparing ahead of time will help ease your mind and prepare your thoughts.

Why Do We Have Arrangement Conferences?

It may be best to start off with a definition. An arrangement conference is a time specifically set aside for a recently bereaved family to meet with a funeral director and discuss the details of a meaningful tribute and final disposition. Additionally, it’s an opportunity for the funeral director to get to know you better and learn how to best honor your loved one.

Dr. Alan Wolfelt, a nationally respected grief author and counselor, says that the funeral ritual is incredibly important for our individual grief journeys. “Rich in history and rife with symbolism, the funeral ceremony helps us acknowledge the reality of the death, gives testimony to the life of the deceased, encourages the expression of grief in a way consistent with the culture’s values, provides support to mourners, allows for the embracing of faith and beliefs about life and death, and offers continuity and hope for the living.”

With this in mind, the arrangement conference is a time set aside for you and the funeral director to work together to create a meaningful and healing funeral service. Most arrangement conferences take place in the funeral home, but if you are traveling from a long distance or can’t make it to the funeral home in person, you may also be able to work with your funeral director over the phone and via text, email, and other digital solutions.

Main Objectives

There are three main objectives for your time with the funeral director during the arrangement conference.

1. Gather the vital information of the person who died, which the funeral director will then use on your behalf to request death certificates, file for veterans’ burial benefits, and file life insurance claims.

2. Make your wishes known about how you want to remember and honor your lost loved one.

3. Select the most fitting funeral, cremation, and burial options.

Typically, the conference takes about 2-3 hours on the day of or the day after a death. The funeral director will guide you through the available funeral service and memorial options, music selections, coordination with a church and cemetery (or other desired location for the service), and much more.

What Questions Should I Consider in Advance?

The funeral director is your partner and your guide throughout this process. They have the experience and the knowledge to help you make informed decisions. Consider your funeral director a resource – they will explain all the options that are available to you as well as answer any questions you may have. Even though you will get a thorough explanation, it’s a good plan to come to the arrangement conference having considered a few key questions:

  • Where and when should the services be held?
  • Do you want to publish an obituary? If you do, who will write it? Where will you publish it?
  • In lieu of flowers, do you want to offer charitable contributions as an option for sympathy gifts?
  • Have you chosen a cemetery or other final resting place?
  • Do you need assistance with selecting a monument or grave marker?
  • What kind of funeral service is most appropriate? Simple? Elaborate? Public? Private? Religious?
  • What would you consider to be the best way to honor and memorialize your lost loved one?
  • Should there be a viewing, visitation, funeral service, committal service?
  • If there is a service, who will participate? Musicians, speakers, pallbearers?
  • Do you want floral arrangements present, and if so, what kind?
  • Will the final disposition be burial, cremation, or another type of interment?
  • Will the body be present at the funeral or memorial service?
  • If applicable, open or closed casket?
  • Do you know someone who will act as officiant, or will you need the funeral home’s assistance in this matter?

What Should I Bring?

The more information you bring, the smoother the meeting will be (and the less documentation you will need to bring back later). For a checklist of items to consider taking with you to an arrangement conference, print and review this Funeral Arrangement Conference Checklist. The list is fairly comprehensive and gives you an excellent place to start. However, the funeral home may ask you for something not included.

Some Final Tips

First of all, prepare as much as you can ahead of time. You can gather necessary documents, clothing and personal items, details for the obituary, and photos to be used in the service ahead of time.

Secondly, don’t feel rushed during the conference. Remember, the funeral director is there to help you with all your needs and is ready to serve you fully.

Thirdly, ask as many questions as you need. As you plan a tribute for your loved one, the funeral director is there to be a knowledgeable and available partner in a difficult situation. Make use of their experience and ask as many questions as you need.

Finally, take notes. You will receive a lot of information during the arrangement conference, and it’s unlikely you will be able to remember it all. Take a notepad with you and make sure to write things down.

The Importance of Planning Ahead

If your loved one has made arrangements in advance, many of these questions will be answered for you. With the answers already in hand, the arrangement conference will go very smoothly. Often, the only question left to answer is the date and time for the service to be held! If your loved one has not planned ahead, you now know how difficult it can be to make dozens of decisions under a cloud of stress and grief. Once you are back into your routine, you might consider planning ahead for your own funeral wishes. By doing this, you can spare your family the stress of making decisions at an incredibly emotional and stressful time.

Mar 01
Love0

Funerals and Family Discord: What Can You Do?

By Grief/Loss, Planning Tools

Funerals are always difficult. Emotions are closer to the surface. Add to that the struggles and intricacies associated with relationships. Dealing with either family discord or difficult people at an already difficult time is incredibly taxing. If you’ve lost someone you love, you are already feeling a wide ranges of emotions: shock, denial, fear, confusion, guilt, regret, sadness. You may not feel that you have energy left to deal with difficult people or situations.

Family discord or interactions with difficult people can happen at any stage of the funeral process. It may be that you and a sibling disagree on the best way to honor your parent’s life. It could be that someone you have intentionally avoided will be coming to the funeral service. No matter the details of your particular situation, you feel your stress levels rising when you think about the funeral. If this resonates with you, take a moment to review some thoughts on how to navigate these tricky moments.

1. Be aware of your emotions.

Our emotions are a gift, but they are also our responsibility. They tell us how we feel, but they do not always reflect the truth about a situation. We need to examine whether our feelings are based on faulty assumptions or based on real facts.

As we deal with family discord or difficult people, we need to be mindful of our emotions and what they are telling us. But more importantly, we need to ask, are my emotions a reflection of reality or a result of my potentially faulty conclusions? In other words, am I thinking clearly or through an emotionally-blurred lens? It’s important to answer these questions before taking the offensive against family members during a very emotional time. Remember – you control your emotions; they do not control you.

2. Find ways to compromise.

It’s important to find a way to compromise. In some cases, family members may disagree about funeral arrangements for a lost loved one. Some may prefer cremation and others burial. And if cremation is chosen, what happens to the ashes? Who decides? This is one reason why it’s so important to plan ahead for funeral arrangements, so that family members left behind don’t have to stress over what to do. They can have confidence in what their lost loved one wanted. But in the absence of a plan, find ways to compromise so that everyone gets a little of what they want.

And if you’re attending a funeral where you will see a certain family member you’ve been avoiding, remember what the service is all about. Don’t let a past wound keep you from getting what you need from the funeral service. Whether or not there is a possibility to repair the relationship, try to forgive the person for your own peace of mind.

3. Choose your words thoughtfully.

We should weigh our words in every situation, especially during a time of loss. Those who speak out of anger or pain are usually reacting to people or situations, and may say something hurtful that they later regret. Often, if you feel the tension rising with family members, words spoken in anger will only make things worse. It’s important to stand up for yourself and express your opinion without attacking the position of others. Try to really listen to what others are saying and see things from their perspective before responding. Start your statements with “I feel” or “I think” rather than “You always do this” or “You make me so mad!” Using “I” instead of “You” statements will help you take responsibility for your emotions without accusing others and putting them on the defensive, which could escalate an already tense situation.

4. Discover what helps you cope with stress.

Know yourself and what you need in order to cope with stress. We should always be students of ourselves and of other people, seeking to understand why we and others act or react in certain ways. What calms you down? What is your outlet or release? For some, it’s painting or writing, working out, being alone for a while, or spending time with specific people who bring life and comfort.

As you approach a situation that may be difficult, do what you need to do beforehand to bring your stress levels down. Think about appropriate ways to express your grief. Don’t bottle up your grief, but channel it appropriately. If you do feel the need to express your grief vocally, go to a room by yourself (or with a safe person) and scream or cry if you need to.

5. Try to take the higher road.

When dealing with a difficult person, the last thing we often want to be is “nice.” If you and a sibling are arguing over a parent’s final wishes for the funeral service, you are likely more irritated than kindhearted at the moment. But that’s why it’s so important to look for a way to be kind.

As you look for a way to be gracious to the ones in the situation who are difficult, rude, discourteous, or any other vast array of possible adjectives, by looking for a way to be kind, you may even change the direction of the conversation. Even if others don’t respond back to you in kindness, you can look back at the funeral for your loved one and say, “I did my best in a difficult situation.”

In life, conflict is unavoidable. How we deal with it is what truly matters. If you are looking for a way to avoid family discord or an uncomfortable situation at a funeral, one option is to talk with your elderly, living relatives about making advance funeral arrangements. Or at the very least, encourage them to write down what they would like to be included in a celebration of their life. This will be a valuable opportunity for families to get on the same page regarding future events and prevent as much disagreement as possible.

Feb 15
Love0
View from above of light-wood desk with laptop, cup of tea, plant, pens, and notepad

Top 10 Characteristics to Look for in a Funeral Home

By Explore Options, Planning Tools

For many of us, the death of a loved one is one of the most difficult life events we face. We don’t want to think about it, but there is value in thinking ahead and being prepared for an event that we will all face someday. Whether you want to complete advance planning arrangements or are in the midst of planning the funeral of a loved one right now, it’s important to choose the funeral home that works best for you.

Unfortunately, funeral homes are not created equal. It’s important to choose one that will meet your individual needs and desires. Consider these 10 characteristics of a good funeral home as you select a partner for your funeral planning needs.

1. Possesses a Good Reputation

We all know of a place (whether it be a restaurant, movie theater, retail store, or funeral home) that has a bad reputation. What do we instinctively do when we know a place has a bad reputation? We avoid it. We read the online reviews, we listen to other people’s stories, and we value our own experience.

Particularly when selecting a funeral home, find an establishment that possesses a good reputation so you can be confident in the care and service you will receive. Ask your friends for recommendations or read online reviews of the funeral homes in your area.

2. Employs Caring and Compassionate Staff

As with any business you frequent, you should expect to be treated with kindness. However, this attitude should be especially true of funeral home staff since families are facing a difficult time in their lives. Excellent customer service and authentic sincerity constitute a large part of a funeral home’s reputation, which is one reason these two qualities are very important to funeral directors and their staff. The staff will treat you well and with consummate professionalism. If they don’t, there’s a problem.

One way to determine if a funeral home’s staff is caring is to see how involved they are in the community. Or, make a short list of funeral homes you are considering and give them a call. You can learn a lot about the quality of a person from a simple phone call. Also, some funeral homes are now incorporating grief therapy dogs as part of their staff, in an effort to provide comfort to families and guests.

3. Communicates a Commitment to the Families It Serves

No matter where you go, you should have confidence in the funeral home’s commitment to you. If a funeral home has a good reputation and employs kind and caring staff, then they will likely show great commitment to the families they serve. However, it is still good practice to read a funeral home’s mission statement and history. These two pieces of information can give you a better understanding of a funeral home’s values and commitments. You should be a top priority.

4. Is Willing to Create a Unique and Meaningful Experience for You or Your Loved One

Renowned grief counselor, author, and educator, Dr. Alan Wolfelt, says, “What is essential [when planning a funeral] is the life that was lived and the impact that life had on family and friends. To honor that unique life, the funeral must also be unique. Over and over families tell me that the best funerals are those that are personalized.”

As you consider a funeral home, ask yourself, “Will this funeral home help me create a service unique to my needs and values?” Personalized funerals and memorials are on the rise in the United States. Families and friends are looking for unique and personal ways to honor lost loved ones, and a good funeral home will work with you to create a meaningful and healing experience. Is the funeral director listening to you carefully and willing to educate you in areas where you lack knowledge? Is the funeral director offering helpful options and explaining the benefits and pitfalls of each option?

Inside a large, nicely-furnished room

5. Offers a Good Location, Facility, and Services

First, whenever possible, choose a convenient location. You will be in frequent contact with the funeral home as you plan a funeral, so a convenient location will be helpful for your preparations.

Second, consider the funeral home facility critically. Is it clean and well-kept? Do they have a chapel, space for a visitation, viewing, or reception (if your plans require such spaces)? Is the décor to your liking? Is the space flexible – can you adjust it to meet your specific needs? Consider the elements you want to be a part of the funeral service and choose a funeral home that meets those desires.

Finally, confirm that the funeral home offers the services you need. Do they offer transportation services, embalming, cremation, etc.? Some funeral homes now offer child-friendly spaces – is that something that’s important to you? No matter what your wishes, only commit to a funeral home that can accomplish them.

6. Accommodates Religious or Cultural Needs

In the United States, the population has always been a mix of religions and culture. As it becomes even more diverse, it’s important for funeral homes to meet the changing needs. With this in mind, no matter what your background, you should look for a funeral home that will help you honor your loved one in the way that you deem appropriate for your cultural background and religious beliefs. For some people, their origins and beliefs make up the fabric of who they are. It’s important that these core values are evident in the funeral or memorial service. No two people are the same, and because of our individual uniqueness, no two funerals should be the same either.

7. Values Transparency about Costs and Descriptions

Almost everyone values a transparent fee structure. With that in mind, partner with a funeral home that values openness and transparency with you. In case you aren’t aware, funeral homes are required to follow the Federal Trade Commission’s Funeral Rule. This law stipulates that, when asked, a funeral home:

  • Must provide any consumer with a general price list
  • Should inform the consumer that they have the right to choose the funeral goods and services they want (with some exceptions)
  • Must disclose, on the general price list, whether any particular item is required by state or local law
  • May not refuse or charge a fee to handle a casket bought elsewhere
  • Must offer alternative containers (if cremation is chosen, alternative containers must be offered)

Ask for an itemized list that includes all expenses with nothing left out. This will help you determine what’s best for your budget – no surprises! And remember, you get what you pay for. Cheapest isn’t always best in every case. If you are looking to cut down on costs, consider looking into a preplanned and prepaid funeral. By making plans without the stress of time constraints, a family can save hundreds of dollars.

In short, look for a funeral home that is considerate of your needs and your budget. Is the funeral home transparent about funeral service costs? Is the package pricing clear? Have they offered you a general price list and helped you plan a service within your budget?

8. Offers Grief Resources

An important question to ask yourself is, “Does this funeral home provide services beyond the funeral itself?” A good funeral home will be there for you even after the funeral is over. Look for an establishment that offers grief counseling services, post funeral newsletters and education, grief support groups or materials, in-home “check in” visits and phone calls, or hosts holiday commemoration services, to name a few options. Your grief journey is important, and the right funeral home can help you on the road toward healing.

9. Utilizes Up-to-Date Technology

The funeral industry is often accused of being behind the times, but this is not entirely true. Yes, some funeral homes may be slow to change, but there are new, exciting technological advances available. More and more funeral homes are cultivating a social media presence, creating and updating their websites, helping families create memorial videos, or offering webcasting services. Some are even providing online funeral planning services. If these services are important to you, look for a funeral home that uses up-to-date technology to enhance its services.

View from above of light-wood desk with laptop, cup of tea, plant, pens, and notepad

10. Engages the Community with Education Programs

Finally, a good funeral home and its staff engages the community before, during, and after the funeral. Does the funeral home host education programs about estate planning and the importance of getting your affairs together? Do they offer Lunch & Learns to share the importance of funeral preplanning or offer tours of the funeral home facilities? Do they offer hospice continuing education or engage in community events? The funeral home should be an advocate of information. Death inevitably comes to us all, and we cannot change that. But, education and preparation can be our ally, but that only happens if a funeral home engages with its community.

Feb 12
Love0

The Truth About Life Insurance and Funeral Expenses

By Estate Planning, Plan Ahead

It’s not uncommon for families to expect to pay for a funeral with life insurance benefits.

Sounds like a simple plan, doesn’t it?

The truth is, there can be many unexpected complications with life insurance policies. Some are no longer valid because no one has paid on them in years, and they have now lapsed. Some have beneficiaries named who are no longer living, which means delays and complications with getting your claim paid. The policy may have a lien on it. Or, the date of death or cause of death could limit the death benefit. Listing an ex-spouse or a minor as beneficiary is also a very common issue. In some states, an ex-spouse listed as a beneficiary will receive nothing unless the divorce decree specifically states that they should. More delays and complications. Any of these “red flags” could prevent you from using your policy for funeral expenses. Even if your policy is problem free, it may take 6 to 8 weeks to receive payment.

Additionally, have you carefully considered the amount of your life insurance policy? Aside from funeral expenses, what else do you want your loved ones to be able to pay for? Is your life insurance beneficiary a co-signer on your credit card bills, and therefore, liable to pay them? Would you want to pay off the mortgage on your home so your surviving spouse can stay there? Or, pay off vehicles or other large items? If your family members rely on your income, will they have enough to cover basic expenses until your income can be replaced? If you incur high medical bills before you pass away, they will be paid for by your estate (assets). Is your insurance policy amount enough to fill the potential loss in your estate’s worth? If you have not considered these secondary expenses, your family may have a hard time covering all the potential costs.

So, a simple plan isn’t so simple anymore.

Here are a few solutions that may help avoid complications with life insurance at the time of death:

Review Your Policies.

If you plan to use life insurance benefits to cover your funeral, check the policy and make sure it is still valid. If you have any questions, contact an elder law attorney. They will help identify any “red flags” in your policies and assist you in correcting them. Or, if you are in the midst of planning a funeral for a lost loved one, you can direct your questions to the funeral home. Please contact your life insurance company for specific questions about your policy.

Make Sure the Policy is Assignable.

When you review your policy, make sure it is “assignable.” You must be able to assign the benefits to go to a third party who will file the claim for you (the funeral home, or an assignment company). The type of policy you signed up for and the life insurance company determine whether a policy is assignable. Funeral homes generally accept a life insurance policy in lieu of payment for a funeral, though it’s best not to assume that they will. Remember, if they do accept a policy as payment, it must be assignable. Retirement benefits and 401(k) benefits are not assignable. If the policy is not assignable, families will be unable to use life insurance to cover funeral costs. This is in large part because insurance companies can take at least 6 to 8 weeks to process a claim. Typically, this is long after the funeral has taken place.

Use an Advance Funding Company.

Some funeral homes partner with advance funding companies (also called an assignment company). Similar to a tax return advance you might get from your tax preparer, advance funding is an advance on your life insurance policy benefits. In short, an assignment company contacts the insurance company and verifies that the policy has not lapsed and has no other issues. Funds are advanced within 24-48 hours once the verification process is complete. The best part is, your claim is filed for you, and any funds in excess of funeral expenses can be advanced right to you. The assignment company will deduct a small fee to cover administrative costs.

If you are interested in finding out more about assignment companies, one reputable assignment service company is CLAIMCHECK. Take a few moments to look at the website. Think about whether an assignment company is an option you’d like to pursue. If it is, contact the funeral homes in your area to find out if they partner with an assignment company. Please note, you must go through the funeral home in order to use an assignment company. This option may not be available in your area, so ask the funeral home for their best solutions. They are knowledgeable and will have helpful suggestions for you.

Take Care of Any Issues Before Death Occurs.

It’s hard to deal with the financial assets of a lost loved one. If there is no clear heir, the courts will likely probate the estate. When an estate is probated, it means that the court system must approve the validity of a last will and testament and confirm the appointment of the executor. This process can sometimes be lengthy and incur additional costs. You will make it much easier for your heirs to inherit your assets according to your wishes if you create a will and update the beneficiary information on your policies regularly.

Preplan Your Funeral.

Another way you can help your loved ones is by planning the details of your funeral in advance. This actually helps your family save money because they know your wishes. When family members are grieving, it can be hard for them to make decisions. Sometimes there is a tendency to overspend because people want “only the best” for Mom or Dad. But buying with this mentality leaves less money in the proverbial pot. Will there be enough for living expenses, debt repayment, and maybe even college for the kids? A prepaid funeral plan offers several surprising benefits above and beyond what a simple life insurance policy can do. See the chart below for a few of the benefits of a prepaid funeral plan.

Though it is sometimes a challenge, the funeral home will work with families to discover solutions for funeral payment. Sometimes a death comes quickly and unexpectedly, and people are not always prepared for such a great expense. Determine your plan before tragedy strikes. By doing so, you can relieve your loved ones of money worries on one of the worst days of their lives.

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