Life is busy, and many things demand your attention. In the midst of everything – daily chores, kids, work, friends, extracurricular activities – caring for an aging parent takes a special kind of grace. But what if you could get one important task off your plate? You can! Preplanning allows you and your parents to create a funeral plan in advance that meets their personal wishes and ensures you don’t have to make difficult decisions with a mind clouded by grief and stress.
Not quite sure about the idea? Let’s talk through 8 reasons to help your parents preplan for their funeral wishes, and you can decide if it’s the right step for you!
1. Preplanning ensures that you know and can fulfill your parents’ wishes
More than anything, talking with your parents about preplanning will give you information you likely didn’t have before. For families who never discussed funeral wishes, uncertainty may linger. Did Mom want to be cremated? Would Dad have preferred this song over that song? Would they want an upright or flat headstone? So many questions come up during the funeral planning process, and if you already know your parents’ wishes, you can answer with confidence and ease.
2. Preplanning saves money and prevents overspending
Most of the time, when someone plans a funeral, it’s their first time doing so. In some cases, the family chooses “only the best” for their lost loved one, and costs can begin to balloon. The survivors are left to consider the best way to pay, which might mean adding to credit card debt or dipping into savings. However, if you sit down with your parents to discuss their funeral wishes, your entire family could save a considerable amount of money by avoiding unnecessary spending.
3. Preplanning can help your parents qualify for Medicaid
Another financial benefit to funeral preplanning is that a properly structured funeral prearrangement is considered an exempt asset. So, if your parents need to qualify for Medicaid coverage for long-term care, preplanning is a smart way to spend down their assets while the money still benefits your family. If you’d like to learn more about using preplanning to help your parents qualify for Medicaid, make sure to read “How Can a Prearranged Funeral Plan Help You Qualify for Medicaid?”
4. Preplanning gives you time to create a personalized tribute together
Dr. Alan Wolfelt, a nationally respected grief educator, says that the best funerals help us “remember and reconnect with what is most meaningful…[and] strengthen bonds with family members and friends. [We] emerge changed, more authentic and purposeful.” Personalization is what makes a funeral both meaningful and comforting. By taking the time to lovingly personalize each parent’s celebration of life, you can work together to create something truly beautiful that reflects your parents’ lives, values, relationships, and ideals. With even just a few small details, the final sendoff will feel right, good, and fitting.
5. Preplanning allows you to consider all the options
Funeral planning involves a lot of options. Without time constraints, you and your parents can make the most educated decisions based on your family’s unique needs. Burial or cremation? Funeral service with the body present or a memorial service? With cremation, would you like to bury the ashes, scatter them, or keep the urn at home? Do you want to erect a permanent memorial? You and your parents may not know the answers to these questions at the moment, but a visit to a reputable funeral home can help you get answers.
6. Preplanning helps prevent family disagreements
The loss of a loved one is a very emotional time, and if a family is torn about which options to choose, emotions can run high. Even when a general consensus is reached, family members can sometimes continue to feel anxiety, doubt, and regret about the decisions that were made and how they were made. However, if you sit down with your parents now to determine exactly what they want, everyone will experience greater peace in the future, knowing that your parents’ final wishes were honored.
7. Preplanning provides peace of mind for everyone
Have you ever completed a big project and just felt a weight lift off your shoulders? That’s what it feels like when you finally plan ahead for funeral wishes. Not only does having a plan give you and your parents peace of mind, but preplanning can also bring comfort and certainty. You can all rest easy for years to come, knowing that when the awful day arrives, the difficult decisions are already made. Instead of hammering out the details of a funeral, you can focus on being with your family.
8. Preplanning gives your family more time together
When you’ve lost someone you love, the last thing you want to do is spend several hours at a funeral home making arrangements. But if there is already a plan in place that outlines your parents’ wishes, your family can focus on spending time together, offering comfort, support, and love to one another at a time when those things are most needed. While you will need to make some decisions immediately after the loss, the process is much simpler. Many families only need to select the day they want services to occur.
Next Steps
If you’ve decided to chat with your parents about preplanning, check out the helpful resources below. As you prepare to speak with your parents, keep the discussion open, explain the benefits of planning ahead, and pay attention to your parents’ feelings. If they seem stressed or anxious, give them time to think about the idea, and bring it up again later. There’s no big rush if you begin the conversation while everyone is still healthy.
Also, make sure you download this Funeral Planning Checklist to guide your conversation with your parents. And don’t forget – the funeral professionals at your chosen funeral home are your best advocates and educators. They will discuss all the options and help you weigh the pros and cons until you find the solutions that best meet your parents’ needs. You don’t have to do this alone. There are people ready and willing to help you and your parents every step of the way!
Additional Resources
How to Get Started with Funeral Preplanning
What to Expect at a Preplanning Appointment
6 Ways You Can Save Money with Funeral Preplanning & Prefunding
How Preplanning Eases Emotional, Financial & Legal Burdens After a Death

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