There are many ways to take care of the financial aspect of a funeral in advance. However, not all payment methods are created equal. Each method has its own risks and benefits, so it is up to you to decide which payment method is right for you.
Have you recorded your preferences for medical care through an Advance Care Directive? Most people remember to write a will and put their funeral wishes in writing, but it’s also a good idea to lay out your wishes for medical care. By creating an Advance Care Directive, you give your family valuable insight into what type of medical care you prefer. That way, if you ever become incapacitated, they know what decisions to make regarding your health. Let’s take a deeper look at the Advance Care Directive – what it is and how to plan for it.
An Advance Care Directive (ACD), also known as an Advance Healthcare Directive (AHD), ensures that your medical wishes will be followed when you cannot speak or are no longer in a mental state to make decisions. By planning out your wishes in writing ahead of time, you provide healthcare professionals with important guidelines for medical care.
Three key documents make up the Advance Care Directive: the living will, the healthcare power of attorney, and the DNR/DNI order.
The living will is the most common type of ACD. Not to be confused with a Last Will & Testament, which deals with decisions to be carried out after your death, the living will is written to explain the kinds of medical care you wish to receive and those you do not. It helps doctors and your family make important decisions regarding tests, medicines, surgeries, blood transfusions, CPR, and feeding tubes.
A living will does not technically allow you to designate a person to make decisions for you. For this, you will need to turn to a healthcare power of attorney. However, you can combine these two forms into one document. The person who represents your wishes is often referred to as a healthcare proxy, and their authority will be limited to decisions of a medical nature. Legal and financial choices do not fall under their jurisdiction. Choose someone you trust to follow your wishes and make decisions with your best interests in mind.
Though DNR (Do Not Resuscitate) and DNI (Do Not Intubate) orders may be included in the living will, they don’t have to be. A DNR prevents a medic from performing CPR, and a DNI prevents the use of breathing tubes. You can also verbally communicate these orders to your physician, who will put them in their medical records.
According to the National Institute on Aging, more than one in four Americans will have medical decisions made when they are incapacitated. That means more than 25% of us will need loved ones to make medical decisions on our behalf. Without an ACD, this can be a very stressful time for physicians, friends, and family members.
To ensure you receive the care you want and make things easier for your family in a medical emergency, consider filling out your advance care directives.
Here are some tips for getting started:
By examining the medical issues that run in your family, you can construct a good genetic map for determining potential health problems. For example, suppose older family members have suffered strokes. In that case, you may spend some time researching strokes to determine the kinds of decisions that would need to be made if this ever happened to you.
What is most important to you? Would you like to be kept alive by any means necessary? If so, provide clear instructions for doing so. Or are there specific issues that would reduce your quality of life so completely that you would rather not have your life prolonged artificially? If feeding tubes and breathing machines are out of the question for you, make this known so that physicians and loved ones don’t have to worry about making the wrong decision.
Once you have started considering the medical decisions you would like to make, bounce your ideas off the people closest to you. Ask for feedback from family members to see what they think of your plan. Of course, at the end of the day, it’s your plan, and you don’t want to change your directives to conform to the will of others. But it can be useful to get the opinions of people you trust.
As is the case with most medical issues, rules and regulations on advance care directives vary to a certain degree from state to state. Research your state’s laws ahead of time so that you ensure all of your wishes are interpreted or documented in a legally valid way. A lawyer can be helpful in this area, but it’s not required.
Consult with your doctor and talk through your wishes together. Your doctor can help you identify any gaps in your medical preferences. Then, fill out the required forms according to your state’s laws.
Once you have completed your ACD, make sure that it is readily accessible. Provide copies for your doctor and your family members. Also, keep copies of your directives in a readily accessible location. It may be a good idea to put a copy in your wallet or the glove compartment of your car for quick and easy access.
If you change your mind about any issue, don’t worry. You can always update it to reflect more current wishes. If you do this, destroy all previous copies to avoid future confusion. Also, don’t forget to give copies of your new directives to family members.
While older adults most need ACDs, people of all ages can benefit from a little preparation. After all, tomorrow is never promised. A sudden onset of an illness or an accident could force your family and physician to make some tough decisions. Consider taking these precautionary steps. That way, you can rest assured that your family and healthcare team will know how to proceed.
DISCLAIMER: Individual circumstances and state laws vary, so any estate planning should only be undertaken with the help and assistance of an attorney licensed in your state.
Have you ever bought something because of your emotions, like sadness, anxiety, or stress? Most of us have used purchasing to make us feel better. In fact, as many as 69% of Americans say that their feelings have influenced their spending at one time or another.
Because the days following the death of a loved one are often filled with sadness, anxiety, or stress, it’s not uncommon for a family to emotionally overspend when making funeral arrangements. But there are ways to ensure that you honor and celebrate a loved one’s life personally and meaningfully without emotionally overspending.
Let’s look at 5 ways to prevent emotional overspending when planning a funeral for someone you love.
After the death of a loved one, you will attend an arrangement conference at the funeral home. At this meeting, you will sit down with a funeral director and discuss all available options. It’s a time to ask questions, become familiar with the possibilities, and discover the best way to honor your loved one’s life.
However, before you head into the meeting, look at your finances. What type of budget are you working with? Are there any family members who can chip in to help you pay for funeral expenses? Did the deceased have a funeral insurance policy, a final expense plan, or a life insurance policy? With a little advance preparation, you can set a budget to guide your decisions as you speak with a funeral director.
Some people are more open about discussing death than others. But if your loved one never told you what kind of service they wanted, you’re left to make all the decisions on your own. Because you love them deeply, your first impulse may be to buy the absolute best of everything. The most expensive casket. The top-of-the-line engraving. The cemetery plot with the best location.
If you want these things for your loved one, go for it! However, if they don’t fit into your budget, take a day to think about it. If, after 24 hours, you decide you’d like to go all out, the funeral director will help you do that and pull out all the stops. On the other hand, if you decide to make some adjustments to the plan, the funeral director will offer solutions that will both honor your loved one and more closely align with your budget.
All kinds of external sources inform our decisions. “I need that dress because it’s ‘in’ this year.” “I should drive a sports car because that’s what people do who have it made.” “My sibling had a big wedding; I should, too.” When planning a funeral, don’t feel like you need to keep up with the Joneses. That can be very expensive, and what’s right for one person may not be right for another.
So, as you decide how to honor your loved one’s life, keep their life at the forefront of your mind. Were they an outgoing or quiet person? Did they like big parties or close gatherings? Did they like to eat? Ride horses? Crochet? Golf? Work with their hands? Read? Thinking about their personality and their life decisions will help you decide how best to honor their memory at a funeral.
If you know you’re not in the best state of mind following a loved one’s death, consider taking a level-headed friend with you to the arrangement conference. Choose someone you trust who isn’t directly affected by the death. Their steadiness will help settle your emotions and possibly protect you from making an impulse decision. On top of that, they may think of questions or solutions you don’t because their mind is not clouded by grief.
While these tips will help you prevent emotional overspending at a time of loss, the best way to prevent emotional overspending is to prepare in advance. If you have communicated your funeral wishes to family and friends, then they know exactly what you want and won’t be left wondering on the day they plan the funeral.
You might also consider pre-funding your funeral plan. Funeral homes offer prepaid funeral insurance policies that allow you to pay for a funeral in advance. Essentially, you decide what kind of funeral you want, the funeral home gives you a cost estimate, and once you’re satisfied, you sign up for an insurance policy. Over the next several years, you pay premiums until the insurance policy is paid in full. This way, all your wishes are outlined and fully paid for when the time comes. Your family just needs to choose a time and date for the services. And there’s no need to worry about emotional overspending!
Whether you pre-fund your funeral or simply record your funeral wishes, your family will be able to make good financial decisions at a time of loss because they know what you wanted.
If planning ahead for funeral wishes is a new concept for you or you’re skeptical, check out these resources for additional information:
Hopefully, these 5 suggestions will you avoid emotional overspending as you plan a loved one’s final tribute. Remember, the funeral directors and funeral home staff are there to serve you. They don’t make decisions – you do! Share your ideas and preferences, ask questions, and consider all the options. The funeral director will work with you and offer affordable options that meet your budget AND honor your loved one.
While the internet and advances in technology have made so many aspects of life easier, they’ve made estate planning a little bit harder. Now, you not only need to focus on planning the funeral and dividing up your estate, but you must also decide what should happen to all the online accounts in your name. After all, the last thing your family needs is for a portion of your identity to float around in cyberspace. But not to worry – with these 8 tips, you can easily organize and manage your digital estate!
Before doing anything else, make sure that you are aware of all of your online material (at least the most important sites). This may seem obvious, but it’s the first step. You can’t make a plan if you don’t know what to include. Consider social media accounts, email information, blogs, online shopping, pictures, and videos. There’s a lot of information out there, and it’s best to understand the entirety of your digital estate before you go any further.
If you haven’t already, consider investing in a password manager app that allows you to store your passwords, usernames, pins, and any other login information in a secure place. There are also free options available, if you prefer. These apps function as a sort of vault for your digital assets. This is an easy way to compile everything so that it can be easily accessible to loved ones. However, be sure to do some thorough research on the company you choose to make sure they have a good reputation.
After you organize your digital information, be sure to update your list or password manager every time you update your passwords or create a new account. Also, don’t include passwords in your will because the will ends up in the public records, which raises safety concerns. However, make sure that your emergency contacts have access to your computer and phone pass codes. Many people forget that their devices (and all the information stored on them) are often inaccessible to loved ones after they die without those very important codes.
Many companies have a default plan regarding what happens to a customer’s account upon their death. For example, Facebook, Twitter, Instagram, and LinkedIn all have different policies for dealing with a deceased person’s personal information. It’s a good idea to familiarize yourself with each company’s policy, particularly social media accounts, so you can determine the best course of action. For more information, read How to Create a Memorial Page on Facebook and Instagram.
Once you have everything organized, appoint a representative who will act on your behalf and follow your instructions regarding your online information. Though username and password information should not go in the will, you can designate your representative in the will and provide general instructions. Be in contact with your representative to make sure that he or she knows where and how to obtain your personal information.
Many companies have a legal right to the ownership of your account after you die. In most cases, the account is merely shut down and the material lost. However, if your family members need to access a particular account, they should act fast before the company deletes the account.
If it’s a social media account, your family can gain access to post a final tribute or retrieve photos and videos. If it’s an email, they may be able to transfer information before the account is terminated. However, most major institutions – like life insurance companies and banks – require a death certificate in order to update the account, so you can take your time with those types of businesses.
As with so many legal issues, digital estate planning may vary based on the laws of your state. Some states have specific laws for handling the online material of a deceased person. Other states have no such laws regarding these issues. To ensure that you’re doing things according to the book, look into the guidelines of your individual state.
While it’s tempting to procrastinate, everything is much smoother for your family members when your estate is planned and organized. Imagine how stressful it would be to not even know which life insurance company to call when making a claim. With an ever-increasing portion of our lives dedicated to cyberspace, it’s important that you begin to think about the management of your online content. By developing a plan ahead of time and organizing your thoughts and wishes, you can make things easier on your loved ones in the future.
For more useful information about estate planning, check out:
If you want to plan ahead for your funeral wishes or plan a funeral for a loved one, the checklist below will help you in making important decisions:
Most of us know that estate planning is important, but many people don’t take care of their estate planning because they find it intimidating. There are so many estate planning documents to consider, so how do you know where to start?
A checklist is a great place to start! Starting with a checklist can help you track what you’ve already taken care of and what you still need to work on. You can make your estate planning checklist using the points below, or you can download our estate planning checklist here.
DISCLAIMER: Individual circumstances and state laws vary. Only undertake estate planning with the help and assistance of an attorney licensed in your state.
For families who have recently lost a loved one, it can be difficult to track down all of the documents they need for death certificates, life insurance, veterans’ benefits applications, and closing an estate. You can help your family by gathering these documents and putting them in a safe, secure location. Important documents include:
Don’t forget to let your emergency contacts know where these documents are stored so they can find them if needed.
When most people think of estate planning, they usually think of writing a will. A legal will is one way to make your wishes about your assets known; the other option is usually a living trust. Without one of these two plans, the state will distribute your assets, so they may not go to the people you want. Whether you choose to distribute your assets through a will or a living trust is up to you. Talking to your financial advisor or an estate planning attorney can help you pick the right option for you and your family. Plus, an estate planning attorney can help you know what you should and shouldn’t put in your will.
End-of-life care documents determine what will happen to you and your assets if you become incapacitated or unable to make your own decisions. There are two types of end-of-life care documents: powers of attorney and advance care directives.
Powers of attorney (POAs) allow you to choose a person (called an agent) to make decisions on your behalf when you can’t. You can either have a general POA that selects one agent to look over all of your affairs or specific POAs, like healthcare or financial, that give your agent control over one aspect of your affairs.
Advance care directives are documents that let your family know what medical decisions you’re okay with and which you don’t want. These can be separate documents, like DNR or DNI orders, or combined into one document. When choosing what medical procedures you want, make sure your wishes are on file with your doctor.
One part of estate planning that’s easy to forget is your digital estate! Your digital assets are all your online accounts, rewards points, subscriptions, online bills, and digital photos and videos. Deciding what should be done with your digital assets is an important part of estate planning that shouldn’t be overlooked. Start by making a list of all of your digital assets (see our checklist for a long list of potential assets). After you’ve listed your assets, you’ll need to determine what should be done with each one after you’re gone.
Prearranging your funeral is another essential part of your estate plan. Making decisions about a funeral after a loved one’s death can be stressful, especially if your family doesn’t know your wishes. When you preplan, you’ll remove their doubt and uncertainty by answering the many questions they might have. Plus, you’ll have the option to prepay, which can save your family from the stress of waiting for life insurance money to come through. Assets like life insurance and bank accounts can be tied up for weeks or even months, while the funds in a prepaid funeral plan are available right away. To start preplanning, you can call your local funeral home and schedule a time to speak with a funeral director about your wishes.
While creating your checklist, you can always add other things you want to take care of, like taking care of your small business or making plans for minors in your care. It’s also a good idea to consult with an estate planning attorney to learn about your state’s individual laws and your options. Once your estate planning checklist is finished, you’ll be ready to tackle estate planning and ensure everything is taken care of!
There are many practical benefits to funeral preplanning – like saving money, qualifying for Medicaid, and having funeral funds set aside to pay for everything – but did you know there are also emotional benefits? And let’s be honest – the emotional part of death is the hardest part. So, if you’re on the fence about planning ahead for your funeral wishes, take a look at these 5 emotional benefits that preplanning can give your family during a time of grief and loss.
After the death of a loved one, it falls to the surviving family members to plan the funeral with the help of a local funeral home. If there’s no advance preparation, that means the family will have to answer 130+ questions in a short period of time. On top of that, they will have to come up with the funds to pay for the funeral, and most families aren’t prepared to take on that kind of unexpected financial responsibility. But with funeral preplanning, you can reduce the stress your family will feel by answering all the questions ahead of time. And if you want, you can set aside funds to cover all the costs.
Have you ever had to make an important decision without first speaking to your spouse? It’s hard, and there’s a lot of uncertainty. That’s what happens when a loved one doesn’t leave instructions about their funeral wishes. When faced with planning a loved one’s final tribute, surviving family members often feel deeply uncertain and doubt the decisions they made.
Was cremation the right choice? Should we have had a viewing to say our last goodbyes? Could we have done more to personalize the service? By putting your funeral wishes in writing, you remove these feelings of indecision. Instead, your family can honor your life the way you want and feel good about it.
What happens when everyone is feeling stressed and no one knows what to do? Stress increases, opinions come out, and arguments begin to simmer. When it’s unclear how to proceed with the funeral plans, surviving family members may begin to disagree on how to proceed.
For example, your son may prefer burial while your daughter thinks cremation is best. Or your spouse is worried about expenses while your children want a big extravagant event. With 130+ questions to answer, there’s a lot of room for argument and hurt feelings. However, when your preferences are clearly outlined with funeral preplanning, your family knows what you want. They can then use that roadmap to honor your life and legacy.
It may sound weird, but funeral preplanning can actually give your family a sense of stability and control. When a loved one dies, routines are disrupted, and everything feels out of sync, upended, out of control. But when there’s a plan in place, a feeling of stability returns. They don’t have to wade through a sea of uncertainty without a compass. Instead, your advance funeral plan becomes an anchor amidst the whirlwind of planning. The first days following a loss are the hardest, and that sense of stability can soothe emotions and calm fears.
Lastly, funeral preplanning can bring peace of mind to you and your family. For your family, they can rest easy, knowing that you’ve taken care of everything. The selections have been made. The music and venue chosen. The vital statistics are already on file at the funeral home. All your family has to do when the time comes is to choose a date and time. And you can rest in the knowledge that you’ve done everything you can to care for your family and make a difficult experience a little bit easier. That’s a beautiful gift.
Before we go, one more thing.
One of the benefits of planning ahead for your funeral wishes is that it gives you time to consider all the options and choose what best fits your personality and preferences. As you plan, you’ll definitely want to work with a reputable local funeral home. The funeral director can help you understand your options and act as a resource throughout the advance planning process.
However, also consider inviting your family into the planning process. Yes, you are putting a plan in place to help them, but they can also help you. You may think that a simple burial with no service would be easiest, but your family may want to have a funeral service and invite friends and extended family to pay their respects. The funeral is about your life, but it’s also about your family’s emotional needs. Consider listening to what they think and incorporating some of those ideas into your funeral wishes.
Planning ahead for your final wishes is simple and only takes about an hour to complete. There are three basic steps to creating a healing and meaningful funeral plan that will help your family cope with your loss on one of the hardest days of their lives.
You plan for everything in life — birthdays, anniversaries, weddings, vacations, homes, retirement, and much more. Why shouldn’t you also plan for final wishes? While no one likes to think about their own demise, the fact remains that one day, your family will need to make dozens of hard decisions to arrange for your final life
A personalized funeral can be a very healing and meaningful experience for loved ones. But how can you ensure that they have that one-of-a-kind experience? The answer is by doing a little bit of planning and preparation in advance. Personal touches such as photos, family heirlooms, mementos, readings, and music can all come together to help your family and friends celebrate the life you lived together and the legacy you leave behind.
One way you can help your loved ones is by collecting these items and ideas in one place, like a memory box. This box can be specifically designed to help your loved ones plan a healing and personal funeral experience! While you can put anything in your funeral wishes box that’s meaningful to you, here are a few ideas to help you get started.
Photos and videos can be used to personalize a funeral service in many ways, like in slideshows or on memory boards. But it can be hard for families to know which photos to use. Many people have hundreds of photos from their lifetime, especially now that smartphones are everywhere. Sorting through these photos to find ones to share at the funeral can be an overwhelming task for loved ones when they are grieving. Plus, your loved ones might not know which photos are most significant to you. By selecting the photos ahead of time, you take away the guesswork and make things simpler for your family.
If you have physical photos you want displayed, you can set those aside in your box. You can also add a note identifying other people in the photo by writing on the back of the photos or adding a sticky note to the back. You can do the same with any videos on VHS or DVD. For digital photos or videos, you can copy them on a USB drive to add to your funeral wishes box or put them in a specific folder on your computer. If you leave the photos on your computer, make sure to leave instructions for finding them and logging into your computer in your box, which is something you should do for all of your digital assets.
Scrapbooks can make a wonderful addition to a funeral. Not only are they beautiful and personal, but they also share memories that you hold dear. If you’ve made scrapbooks in the past, including those in your funeral wishes box can provide a way for your family to highlight special moments in your life. But even if you don’t have a scrapbook already made, you can create one! If you have small items or keepsakes you want to treasure, you don’t have to make a whole scrapbook – you can just make a page or two. You could also use scrapbook pages to leave notes about specific photos or share the story behind a specific item, like a ticket stub, a pressed flower, or event programs.
Another great way to personalize a service is by incorporating items that are meaningful to you. These could be family heirlooms, like your favorite piece of jewelry, your antique pocket watch, or a quilt your great-grandmother made. You could also set aside souvenirs from trips you took or events you attended.
Other mementos you might want to include are items from your hobbies. What do you love doing? Think about ways you can incorporate your passions and interests. For example, if you like to make things, you could pick out a scarf you made or a chair you built. If you play a sport, you could set aside an old jersey or uniform to be displayed. If you want an item displayed that you’re still using, you can include a note in your box that mentions where the item is typically stored.
Music plays a significant role in a funeral, setting the mood and tone for the entire service. Music expresses feelings and words that we may not be able to say ourselves and gives us an outlet to release and experience our emotions. Contrary to popular belief, the music at a funeral service doesn’t have to be sad songs or hymns. A favorite song you love to listen to, sing along with, or dance to can still emotionally impact your loved ones.
If you own digital versions of the songs you want to include in your box, you may be able to burn them onto a CD or upload them to a USB drive. You could also create a playlist on your favorite music service and include instructions about finding the songs in your funeral wishes box. Another option is to create a printed or handwritten list of your chosen songs.
Readings are also an important part of a funeral service. Readings can honor or celebrate your life, help both readers and listeners grieve, or move mourners into a time of contemplation. The passages read can be anything, like a Bible verse, a poem, an excerpt from a book, or a meaningful quote. Think about written passages that mean a lot to you, changed your life, or reflect the way you try to live. Once you’ve decided on a few quotes, you can write them down, make a note of where they came from and who you’d like to read them, and add them to your box.
After you create your box, what do you do with it? First, make sure your loved ones know about your box and where to find it. It wouldn’t do much good to put your box together if your family doesn’t know about it when they’re planning the funeral! If you want, you can also share the contents with your loved ones as you put the box together, and if you’ve preplanned with a funeral home, you could even let them know about your box.
Second, continue to add to and update your box. If you start a new hobby or go on a fun trip, you may want to include mementos from those. Maybe you take pictures with a grandchild at their graduation or with your child at their wedding. You can always add more items to your box or remove items that have lost meaning to you.
By putting together your funeral wishes box, you’ll provide an easier way for your family to personalize your funeral. With all of the items prepared, your loved ones can display your photos and scrapbooks, create a slideshow with your favorite photos, videos, and songs, read the passages you selected, and decorate the location with mementos from your hobbies and interests. These personal touches will make the service even more meaningful for your loved ones and help them begin their grief journey on the right foot.
