According to most sources, the cost of a burial is one of the three or four most expensive consumer purchases in their lifetime. Basic traditional funerals can cost more than $ 10,000. Although it is very expensive, there is no reason to believe that paying so much for a funeral shows how much you loved the deceased.
Many funeral directors or funeral homes will not tell you that you can have a completely legitimate funeral, with a nice casket, for less than $ 2,500. A number of cheap funeral homes can provide you with all essential services for under $ 2,000, and these funerals provide the same sense of memory as the more expensive ones. They can even be considered as a more appropriate way to honor significantly the spirit of the deceased.
When it comes to funeral expenses, you absolutely have to shop around and find the best prices. You may want to find a trusted funeral home to help you in your decisions, but you must remember that they will have their own interests in your purchases and that might not lead you to the best value. The cost of the funeral is not related to how much you care or respect the deceased. You do not have to negotiate with someone who tries to guilt you out of control in this way.
Be ready to go outside the tradition . Is it necessary to have a visiting right and a service falls? Can you combine the two services into one? Or maybe you could have a visiting and service right at the same time and have family only at the grave. Think about what is comfortable for you and your family and do not be afraid to break the norm.
See if a military burial is an option . If the deceased was a military veteran or married to one, they may be eligible for veterans’ funeral benefits. The burial at the cemetery of a veteran is much cheaper than in a public cemetery.
Use your church membership privileges . Many churches have cemeteries on their property. Due to lack of space, some churches limit their burial sites to church members and their immediate families. The use of the church hall / shrine for funeral services should be much cheaper than renting a funeral home.
Think of the cremation . While some people are against the religion of cremation, if it is not a problem, it saves a little money and becomes very popular.
Funerals are expensive. There is no way around this fact. Whenever possible, always try to get more than one estimate from a funeral home for the cost of the necessary funeral service. Prices can vary considerably between different funeral homes. A local funeral home is generally more affordable, and gives a better service than national franchises. All funeral homes in America are required by federal law to provide everyone with a written price for all funeral services and related products that they offer. This is known as the general price list, or GPL. The cost of the funeral will depend on the type of funeral services and the options you choose.
When determining the actual price of a funeral service, there are several things that need to be put in place before hand. Know your rights as a consumer. The funeral laws are not the same in every state and it is very useful to know what elements are required by law for a funeral service and the elements that are added as extras and are not required by the state laws.
Much of the cost of the funeral will depend on the type of casket you select. The costs can have a wide range of prices (usually runs between $ 395 and $ 10,000 plus tax). In the price ranges, there are services that are provided such as the maintenance of the parcel, the tombstone, the use of the funeral home for service instead, etc.
You do not have to spend a small fortune to have a good funeral service worthy, whether it be a funeral service or a funeral cremation service. Do not leave yourself or your family feeling obligated to order additional items or services that you feel are unnecessary. Prices must be fair compared to other funeral homes in the area. Remember, some of the larger companies are chains owned by funeral homes exchanges under several different names and it can be very difficult to tell the difference between an independent family funeral home and a chain owned by the funeral business. Corporations usually keep the family name of the funeral home, so be sure to ask if it is owned by the family,
A funeral director will guide you through the entire funeral procedure. Funeral directors can help to obtain copies of the deceased’s death certificate, write an obituary, help you follow religious observances, contact social security, make arrangements with a crematorium, etc. Unless you have made arrangements in advance, you will probably be forced to choose a funeral home quickly and emotionally. Try to get a recommendation from a trusted friend or clergyman.
The funeral rule
- The Federal Trade Commission (FTC) is the national consumer protection agency and executor of the funeral ruler. The funeral rule allows consumers to compare prices between funeral homes and select the services of the house in which you want to use without having to buy a “package” of any kind. Among its other benefits and protections, this rule ensures that anyone who calls or visits a funeral home must be given a price list of all services.
- The funeral rule also provides the following protections:
- Buy only the funeral arrangements you want : You do not have to buy a “bundle” of goods and services from a funeral home. You can buy funeral goods, such as a coffin, from an outside supplier and the funeral home must use it. You can pay for a memorial service and direct burial, but no embalming. It’s yours. Embalming is necessary in some states and in certain situations. If the funeral states that he is legally bound to your state or specific situation, they must provide the law that relates to the specific law.
- Get the price over the phone or in an office : Funeral directors must give you price information over the phone if you ask for it. The funeral home can not ask for your name, address or phone before giving you the prices.
- Get the price list before you see the coffins : Coffins are very expensive, and the less scrupulous funeral homes will force you to buy the most elaborate. Ask for the list of coffins prices before looking at the showroom .
- Receiving a written declaration before paying : The funeral home must provide you with a list of the items you have chosen and the total cost of these agreements.
- Use an alternative container for cremation : Funeral homes and crematoriums should provide alternative containers made of chipboard, fibreboard or cardboard for the cremation process. They can not force you to buy an urn from them. You can bring your own container for leftovers.
- Funeral arrangements without embalming : According to the FTC, no state law requires embalming. Some states only require a body to be embalmed or refrigerated if it is not buried or incinerated within a certain period of time.
Funeral expenses are divided into three basic categories:
- Fees for Basic Services for the Undertaker : There is a basic service charge that is allowed to be billed and you can not refuse to pay. This price includes the cost of securing death certificate copies of the deceased person, preparation of death notices, sheltering vestiges and coordination with third parties such as cemeteries or crematoria.
- Services and merchandise : These are optional costs related to the funeral and include things like coffins, embalming, transportation of the remains or using the funeral home for a memorial service or viewing, use of a hearse etc.
- Cash advances : These fees are billed by the funeral home for goods and services purchased from external providers on your behalf. These include things like flowers, death notices and fees for officiating clergy. If the funeral home can not give you an exact price for these initial services, they must provide you with a “good faith” estimate.