Planning Tools Archives - Page 10 of 10

May 09

What To Do When Mom Dies

By christy.kessler Meaningful Funerals, Planning Tools

First of all, you have our sincerest sympathies on the loss for your mother. Moms are special people – irreplaceable and worth remembering. If your mom completed funeral prearrangement plans, contact the funeral home she partnered with to compile the prearrangements. You will work with that funeral home to bring her wishes to pass.

But, for those whose mother did not complete funeral prearrangements, this Quick Start Resource Guide is meant to help you navigate through the process of planning a funeral by supplying you with accurate, up-to-date, helpful links and information on a variety of topics.

The “Why” of Funerals

To start off, it’s important to note that, in today’s world, many families are moving away from standard funerals for their lost loved ones. While it is not inherently bad that people are moving away from traditional options toward cremation, it is unfortunate that some are confusing efficiency with effectiveness. Dr. Alan Wolfelt, a nationally-renowned grief expert who has counseled thousands of families, teaches that the funeral is an important rite of passage and “puts you on the path to good grief and healthy mourning.”

To learn more about why funerals are important, take a look at the articles below.

Should I Have a Funeral?

Why Do We Have Funerals?

Why Is the Funeral Ritual Important?

What is the Difference between a Celebration of Life and a Party?

Final Disposition Options

Nowadays, our options for final disposition (or final resting place) continue to expand. Please take a moment to read the articles below to help you decide which option is most appropriate for your needs.

What Are My Burial Options?

What is Green Burial?

How to Select a Casket

What Should I Know When Considering Cremation?

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.

Music

First of all, music sets the mood for 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. Did your mom have some favorite songs, instruments, or musical artists? Consider using any or all of them in the service.

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 funeral. They are another way to not only invite mourners to express their emotions, but readings can bring your mom’s unique spirit to the service. Did she have a favorite book? Poem? Was she 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

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 your mom one last time and begin to acknowledge the reality of her death. For many, as part of the grieving process, it is important to physically see the body, and 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 your mom’s life. With that in mind, take time to share treasured memories, quotes, or even her 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

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. For more 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, so to move others toward healing, it is important to invite them to act.

How Do Actions Help us Heal?

Choosing a Memorial Service

Some families decide that a memorial service is a more appropriate tribute for their lost loved one. In short, the main difference between a funeral service and a memorial service is the absence of the body. All the other elements of a meaningful and healing service can be incorporated into a memorial service.

What is a Memorial Service?

Personalization is Key

Whether you have a funeral service or a memorial service, the event will be more meaningful if it is personalized. By personalizing the service, you can honor your mom’s life uniquely and specifically. Moreover, the possibilities for personalization are endless. For a few ideas, read the articles below.

How to Make a Funeral More Personal

What Makes a Funeral Meaningful?

Helping Your Family Personalize a Funeral

5 Unique Venues for a Celebration of Life Service

Funeral Procession

Accompanying the body to its final resting place is a time-honored tradition. If your family chooses to continue the tradition, the procession is a way for others, even strangers, to acknowledge the value of life and show respect for your mom.

What is the Purpose of a Funeral Procession?

Deciding on a Grave Marker

Placing a marker of some kind on a final resting place is important. Not only does it identify the person laid to rest, but it also gives the living a place to go should they desire to visit or mourn the lost loved one. It will be important for you and for future generations to have a place to return to when you want to talk to or visit your mom.

Selecting and Installing a Grave Marker

How to Write a Great Epitaph

Sympathy Gifts

In essence, sympathy gifts are a way for mourners to express their support and condolences to the family who has lost someone loved. Flowers have historically been a popular sympathy gifts. However, in recent years, donations in memoriam to a favorite charity have risen in popularity. Did your mom have a favorite organization or charity that would service this purpose, if your family wishes?

Writing a Touching Obituary

One of the first things you will do after a loved one dies is write an obituary. You don’t have to be a great writer to beautifully express your love for your mom. To that end, even as you include the expected details, consider how you might add little touches that reflect the individuality of her life.

How to Write a Great Obituary

Burial Benefits for Veterans

If your mom was a veteran of the Armed Forces, she may be eligible for certain burial benefits through the Department of Veterans Affairs. Therefore, you might consider looking into these benefits to see if any of them are beneficial to you and your family.

Veterans’ Burial Benefits FAQ

Veterans’ Burial Benefits Checklist

Department of Veterans Affairs

Resources for Advance Funeral Planning

Finally, if you are interested in making your own funeral prearrangement plan, or are curious about why you should do so, take a moment to review the articles below.

Why Plan Ahead for Funeral Wishes?

How to Get Started with Planning

How to Save Money with Funeral Planning

Protecting Your Funeral Funds

Apr 09

Love0

9 Funeral Costs That Are Often Overlooked

By christy.kessler 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.

Jul 18

Love0

What You Need to Know About Veterans’ Burial Benefits

By Mitchell McLean Planning Tools No Comments

Many veterans and their families are uninformed about the burial benefits they can expect to receive at the time of death. Some veterans assume that Veterans Affairs (VA) will pay for all funeral and burial costs, while others assume that all of their cemetery costs will be covered. In fact, neither assumption is completely correct. While VA does offer many very helpful burial benefits to honorably discharged veterans, their spouses and dependents, this organization does not cover all funeral expenses.

Here’s the bottom line when it comes to veterans’ burial benefits:

Discharge papers are crucial

veterans-burial-benefits

First and foremost, if your family cannot locate your discharge papers, they will not be able to file for any benefits.

The U.S. Department of Veterans Affairs urges veterans to advise their families of their burial wishes and where to find their discharge papers. On their website, VA states:

You should advise your family of your wishes and where your discharge papers are kept. These papers are very important in establishing your eligibility.

At the time of need your family would contact a funeral home who will assist them with making burial arrangements at the national cemetery. You may wish to make pre-need arrangements with a funeral home.

This is because a funeral plan will help you get organized and put all your important documents in one place so that your family can actually claim the benefits that they are entitled to receive.

Your cash allowance for burial depends on how the veteran died

veteran-burial-information

Members of the armed forces who die in service to their country receive the most generous burial allowance. For service-connected death, the VA Burial and Memorial Benefits Fact Sheet states: “If the Veteran died on or after September 11, 2001, the maximum service-connected burial allowance is $2,000. If the Veteran died before September 11, 2001, the maximum service-connected burial allowance is $1,500. If the Veteran is buried in a VA national cemetery, VA may reimburse some or all of the costs of transporting the deceased Veteran’s remains.”

Regarding non-service-connected death, please click here for the latest information regarding burial and plot allowances.

Effective October 1, 2011, there are higher non-service-connected death rates payable if the Veteran was hospitalized by VA at the time of his or her death. For the latest information, please click here.

Where you want to be buried matters

veteran-headstone-options An honorably discharged veteran is eligible to be buried in one of Veterans Affairs’ national cemeteries (as space allows) at no cost to the family. A headstone or marker is also provided by the government, as well as a U.S. flag, a Presidential Memorial Certificate, and military honors. Spouses and dependents may also be buried in a national cemetery along with the veteran or even before if they predecease the veteran.

If a private cemetery is used, burial benefits remain the same, other than the burial space: the headstone or marker, a U.S. flag, a Presidential Memorial Certificate, and military honors are provided at no cost to the family. The burial space in a private cemetery is at the family’s expense. Certain costs may also apply to setting the headstone or marker in place. No benefits are available to spouses or dependents buried in a private cemetery.

Please note that eligibility for benefits must be established on an individual basis and certain requirements or qualifications may apply.

Many veterans and their families don’t realize that they are responsible for funeral expenses that are not covered by the VA, including a casket or urn, services of the funeral director, embalming, cremation, flowers, obituaries, police escort, and more. The VA makes it clear that these and other services provided by the funeral home or crematory are not covered by the government, other than the burial allowance for certain qualifying individuals referred to above.

While veterans’ benefits can be a complicated issue to understand, especially during a time of grief, you can usually find a funeral home in your area that is very knowledgeable about veterans’ burial benefits, military honors, and the claim process. You can also select a knowledgeable funeral home in advance and make prearranged funeral plans to further assist your family if you are a veteran.

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