How to Plan a Funeral and Save Money
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___ Date and time of services (including visitation) confirm with the funeral home
___ Clergy or service officiant notified of death, date / time of service (confirmed with all involved)
___ Pallbearers and Honorary Pallbearers chosen and notified
___ Florist notified and floral arrangement(s) ordered for services
___ Pre-arranged Funeral Plan or Insurance Policy made available for arrangement conference
___ Obituary Information and Photo (if desired) brought to the funeral home or e-mailed
___ Military Papers (DD214) brought to the funeral home
___ Cemetery Deed and other information located and brought to the funeral home
___ Pictures for Memorial (Tribute) Video chosen and brought to the funeral home (if desired)
___ Clothing for the deceased decided on and brought to the funeral home or selected from the funeral home selection
___ Contact made with out of town family or friends
___ Regarding the Military, Red Cross notified for service release of family members
Funeral Home Name will only schedule Chapel or Church Services with three and a-half hour intervals to ensure that every family is given the proper amount of time needed. Graveside Services can be scheduled with three hour intervals.
When services are scheduled, the time of year and place of final disposition will determine the latest a service will be set to ensure safety for family, friends and staff.
It is very important to consult with the Funeral Home Staff and Clergy before final decisions on services are set.
The emotional element of death that your family has to manage can be over whelming. Complete this work book prior to a death or after a death before starting your journey to answering What Do I Do Now
Gary M. Thomas
Gary M. Thomas, MBA – Adjunct Online Instructor. Gary graduated from Columbia College with a Bachelor Degree in Business Administration and earned his Master’s Degree from the University of Phoenix. Gary has been involved in all aspects of the mortuary and funeral business including funeral home ownership and management. His experience includes both family and corporate owned funeral homes and cemeteries. Currently, Gary is Assistant Manager for Fairmount Mortuary. He is Vice President of the Colorado Funeral Directors Association for 2010-2012. He has over 15 years of experience with a Fortune 500 company in management and marketing. Gary has been teaching at numerous colleges in the Denver area the past twelve years, winning multiple awards as the ‘Outstanding Instructor’. Gary has also published magazine articles on the funeral service business.
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Book preview
How to Plan a Funeral and Save Money - Gary M. Thomas
Contents
INTRODUCTION
WHY WE HAVE FUNERALS
FUNERAL SERVICE OPTIONS
REASONS TO PRE-PLAN YOUR FUNERAL
PRE-NEED FUNERAL PLANNING
FINANCING YOUR PLAN
MEMORIAL PLAN
FUNERAL INSTRUCTIONS
WILLS
LIVING WILL
SAMPLE LIVING WILL
LIFE INSURANCE BENEFITS
MEDICAL INSURANCE
MEDICAL EMERGENCY
CARD INFORMATION
SOCIAL SECURITY BENEFITS
VETERANS’ BURIAL BENEFITS
CIVIL SERVICE FEDERAL EMPLOYEE BENEFITS
RAILROAD RETIREMENT BENEFITS
PERSONAL INCOME TAX
CREDIT CARD TRANSACTIONS
TITLE TRANSFER REQUIREMENTS
SAFE DEPOSIT BOX
VITAL STATISTICS
SURVIVORS TO NOTIFY
AT THE TIME OF DEATH
PROFESSIONAL ADVISORS
Passing
We go, like flowers
into the night
blooming, in sunshine
reaching for the light.
Then fading - as the light grows dim
to allow new flowers
to begin.
INTRODUCTION
It is never easy to accept death. After hearing that a loved one has died, we may feel angry, confused or emotionally numb. We may not know how to express our feelings of loss, or how to say good-bye to the person who has died. However, we do need to work through these feelings and that is what makes a funeral so important. A funeral is a ritual that can help focus our emotions and bring meaning to the experience of death.
Rituals link us with the past and the future,
explains Dr. Judith Stillion, a professor of psychology at Western Carolina University. We have rituals for this most important passage of life.
The funeral serves as a means to commemorate the deceased, but just as importantly, it helps the survivors to heal emotionally. When somebody we love dies, we experience the pain of grief. Even though grief hurts, it is not something to avoid. Grief is part of the healing process that allows us to separate ourselves from the deceased person and to go on with our lives.
A funeral gives mourners ritual permission
to express feelings of sadness and loss. Funerals also stimulate mourners to begin talking about the deceased, one of the first steps toward accepting the death. In fact, people who do not attend the funeral of a loved one because they want to deny death may suffer from unresolved grief and anger several months later.
To resolve their grief, mourners need to accept the reality of death not only on an intellectual level, but on an emotional level as well. It is for this reason that open casket visitation periods precede funerals.
Dr. Stillion said she used to feel that viewings were a barbaric custom, but her research into grief has changed her mind. Nothing helps you accept death as much as seeing the dead person,
she said, it helps with grieving because it shows there is no return.
Funerals are the emotional element of the death that your family has to manage. You have the option of completing all of the planning process yourself including your will, estate planning etc. so they do not also have to handle these issues as well. All of these items are covered