You
have probably received or heard advertising messages about the benefits
of prearranging your funeral. While doing so can be helpful to your
loved ones and ensure your wishes are followed, some caution is also
needed.
q
Tell your family
your wishes regarding funeral or memorial services and burial or
cremation. But also put your wishes in writing so there is no confusion
later.
q
Call or visit
several funeral homes, ideally with a friend or family member. Ask the
director about the costs for the specific services you want. By law, you
are entitled to receive an itemized price list; there is no need to
purchase a “package” that includes goods or services you do not want or
need. For example, embalming is only required in certain circumstances
and caskets are not necessary for direct cremations.
q
As with any other
purchase, go ahead and comparison shop. By asking a lot of questions and
making comparisons, you will ensure you get what you want and may save a
great deal of money.
q
Once you have made
a decision, have all the details put in writing. Don’t assume the
funeral director will remember a verbal promise or special request you
have made.
q
Read the contract
thoroughly before you sign it. And ask whether the agreement is
revocable or transferable to another funeral home (if you relocate, for
example).
q
If you’d like to
get some information about the various options available (and their
relative costs) before you visit funeral homes, contact a memorial
society. You will probably find one in the Yellow Pages under the
heading “funeral services”.
q
Remember that you
need not always pay in advance, even if you are planning in advance.
q
If you have a
complaint, federal and state consumer protection resources can help
you.
Reference:
Consumer Literacy
Consortium
66 Ways to Save
Money
The United States
Senate Special Committee on Aging
Consumer Tips
Senator
Grassley's
Consumer Tips on Funerals and Cemeteries
April, 2000
http://www.senate.gov/~aging/hr48tips.htm
