Wednesday, March 1, 2017

Update

Hi All.
Yes it has been ions since my last post and I apologize.  I think it may be time to update and revise some things.

Since July of 2016, Title 19 available funds for those that qualify have been reduced.  Yes I said reduced.  What once was up to $1800 was brought down to $1400 and is now $1200 with the governor considering another DECREASE to somewhere in the $900 area.

While this is rediculous to most of us, some think it is suitable for those less fortunate.  My opinion.

So why decrease?  Well, some would say it is because there are "cremation only services" or "cremation societies" that do it for a lot less than full-service funeral homes do.  Their attractive advertising draws in those who want nothing other than to walk away with a box of cremated remains. No services.  No obituary. No certified copies of the death certificate.  Additionally, there are a myriad of upcharges until you walk out coming very close to what you'd pay elsewhere.  Additionally one has to ask, "Are you getting everything you REALLY want?" "Are you NOT getting things you really want....or paid
CLICK HERE to see a recent, local, news report and then re-ask yourself the above questions.

Buyer beware goes for everyone, in all professions.

Call the funeral home of choice, or many of them AHEAD of the time of need if possible.  Come and tour the facilities, talk with the directors, etc.  Are you comfortable?  Relaxed? Do you feel well cared for or do you feel....well...... pressured, unsure, just have that uneasy feeling in your gut?  Trust that and run....run like the wind.

Company owned and operated or private mom and pop shop, just go where you feel cared for, catered to, and can feel compassion from the care giving funeral professional.  Most of us are into this career with our hearts first and our minds and bodies follow.  Just be comfortable.

I hope to add more articles soon.

God bless.

Tuesday, January 6, 2015

Arranging a Funeral When a Death Has Occurred

Hello again.  I am going to attempt to define a few things herein and hope readers don't get upset.

Trust me when I say I understand the funeral consumer doesn't do this every day and we do so I understand some misconceptions when it comes to funeral planning.  I keep this in mind when I write the following suggestions and a relateable story.

Your faith concerns are my first concern.  If you are more comfortable calling your priest, minister or rabbi first, by all means please do so but please don't set all your dates and times of service with them before speaking with the funeral professional.  Once the religious aspect is addressed, contact the funeral home so we can make arrangements to take your loved one into our care.

Funeral attendants will come to take your loved one into our care, provide preliminary and either provide a meeting time and date or advise you when to expect a call from the funeral home to schedule same.  The funeral experts will guide you through everything.

Why do I say this?  Well, if you remember from my earliest posts, one of my goals with this blog was to address questions, concerns etc. for many to benefit by the answer.  This is one of those instances.

A friend of mine in the industry (who only has one chapel in his funeral home) came to me and explained the following which I put in synopsis form:

'Hey Mark.  I had this family that called me when their loved one died just the other day.  I got the info to make the removal from the place of death and that's when they hit me.  They had contacted their clergy, church, cemetery and yes...even their caterer BEFORE calling me.  They told me when they had everything set up and when they were having calling hours.  I told them I already had calling hours arranged for another family I served before them so they couldn't have it when they wanted.  They were highly insulted and angry with me.'

Well...that was the gist of it all.  While this is the extreme exception and not the rule, it happened and I thought I'd pass it along.

Please leave the arranging to the arrangers.

Thursday, December 11, 2014

Trending

Again with the apologies about how long its been since I blogged concerning the funeral industry and my involvement and feelings about it.  This short portion will be about what I've seen over the past couple of years as a trend.

This trend it mostly driven by the economy, I believe.  Its official title is "direct cremation".  Basically, a cremation with NO services.  If this is what you have to do for financial reasons, I get it but please let me offer some suggestions.  Don't just let your last thought about that loved one be what you saw after months or years enduring a disease and wasting away in a convalescent home.  You can go inexpensive at a funeral home and still memorialize someone.

Granted, as a funeral director trying to make money for my home and myself (hey - that's reality) it is probably considered counter intuitive for me to be blogging about this but I hold true to this being more a "ministry" for me.  A "calling" if you will.

Like it or not, we were trained or "conditioned" in our ways of grieving.  It is cultural, it is social, it is ingrained in us. We process our grief the way we were taught from the time we were young.  Ask yourself...how old was I when I went to my first funeral?  Was there a body in a casket?  Was the casket closed or open?  Was there an urn with a photo near it?  Was there any urn at all or maybe just a photo or picture board?  Then of those, ask which one of those scenarios you attended the most over the years and that is your training.  That helped you manage how you got through that time.  No matter which one of these you identified with, I'll be willing to bet you didn't answer something like, "when my ___________ died, we did nothing."

So how do we do things on a shoestring budget and still get the conditioned response we're used to?  Don't change it?  If you have to modify it, try to keep some part of it the same.

Example:  If you're used to open casket viewing calling hours and so on... modify it to a closed casket (even if there is an urn with cremated remains inside).  This will save you money (rental caskets available at most funeral facilities) and cremation is much less expensive than full service traditional burial.

Example:  If your used to calling hours the night before, coming back to the funeral home the next morning, going in procession to church, then procession to a cemetery try having everything on the same day instead.  Maybe a calling hour at the funeral home then to the church then cemetery.  OR, Just a church service, then the cemetery.   This too is less expensive.

Your funeral director should be able to work with you at modifying the funeral experience so as to minimally deviate from your "norm" and still save money.

I don't think in any of the scenarios any funeral director will come up with will he or she say, "just cremate and forget about it."  Its ingrained in our lives to mourn, grieve and pay tribute... one last time.  Do it in a way as unique as the life lived because no two people live their life exactly the same.

God bless.

Saturday, February 1, 2014

Pre-need basics

So you have life insurance so you don't need to have pre-need funeral coverage.

Check your state but in Connecticut, if you have a sizable life insurance policy and end up having to go on long-term care / Title 19, you will be forced to surrender it because it's an asset.  Of course when you "cash out" of a life insurance prematurely you also take a financial hit which the insurance industry more politically correctly calls a "fee" and sometimes is bold enough to call a "penalty".  No matter how you word it, you lose money.  YOUR money.

I hear my life insurance is assignable.  (Meaning your beneficiary(ies) can have it pay for the funeral directly without any out of pocket expense provided the policy amount covers the funeral bill)

Yes. This is true.  However, refer to the first paragraph regarding Title 19.  Additionally, there are other added bonuses to electing to have a pre-need at most funeral homes.  Those are -

Your money is held by a third party and insured like money in the bank in case something happens to your funeral home of choice in between the time you sign your pre-need contract and the time of death.

Also, in most cases (including the homes I work at), all the funeral home costs of goods and services are price protected f-o-r-e-v-e-r.  That is, if you purchase a casket today for $1,000 and don't require one for another 75 years, you get that or a casket of similar materials, quality etc., for $1,000.  Funeral home goods and services are their professional services charge, transfer from the place of death to the funeral home, embalming, dressing/casketing, calling hours, use of chapel or staff to attend and coordinate a funeral service off premises, register book, prayer cards, outer burial container aka. vault at the cemetery and many more charges.

In the olden days, many directors would put your money in certificates of deposit and hope that the interest rate covered the inflationary rate.  If it didn't, you would simply owe more when the time came.  To me, that doesn't give piece of mind.

So what's not covered in your price protection?

Glad you asked.  Anything that we have to pay out on your behalf and therefore have no control over the costs of is not covered.  Examples are: obituary costs, grave opening, certified copies of the death certificate, clergy, organist/soloist, church charges, cemetery sexton charges, medical examiner's fee etc.  You can put money away in the pre-need contract to help offset those charges when the time comes but we can't tell other agencies what they have to charge us or you.  We just make those payments out of the funeral fund at no added expense to you, the family, so you don't have to walk around with a checkbook writing checks to a multitude of places or providing credit card numbers all over the place.

Once I write this stuff down and sign it, no one can change it.....right?

Wrong.

Your loved ones may modify it however they see fit at the time of need.  Additionally there is a legal line of kindred so someone you may not want making those decisions on your behalf may have the law on their side.  BUT....what you can do, is simply fill out a notarized legal form designating someone with a backup someone who you think will carry out your wishes.  That form supersedes the legal line of kindred.  Of course, in the litigious society in which we live, nothing is "bullet proof" and processes may be dragged out through court but at least doing this ahead of time will give you and the person(s) you designate, a leg up during that process if it comes to it.

More to come in another post at a later time.  I just like to put out little bits to chew on at any one time because there is just so much to learn, know and prepare for, if I did it all in one huge document you may feel overwhelmed.

I hope you all enjoy these little tidbits I put out and again, remember to go to the funeral home(s) you are considering and look them over.  Meet the directors and support staff.  Talk with them.  If you're not comfortable, go somewhere else.  Don't just go somewhere cause that's where you always went.  Go somewhere you are comfortable and confident in.  Go in with the attitude that this is all about YOU because..... it is!


Wednesday, November 27, 2013

Prearranging a funeral

WOW!  It's been a long time since I've written.  I apologize for leaving you hanging.  Work has been very busy and I focus 100% on my families I serve and write when I have time after they are served to the best of my abilities.

Many have told me they haven't prearranged because it "freaks them out" or they just don't want to think about it or face their own mortality.  I totally get that.  When I went to mortuary school I had to write my own pre-planned funeral arrangements including my obituary, pick out music for the service, select a casket, vault, purchase cemetery property etc.  It was in fact, uncomfortable.  But like I said previously, we prepare for what MAY happen and get insurance just in case, we fail to prepare for the inevitable.  

In the "old days", funeral homes would take your money and chase banks locally to try to find the best rate of return, deposit your money to hold for you and hope the interest rates would cover inflationary rates when the need came.  Well interest rates aren't what they used to be and many are finding their family still has to pony up significant cash at the time.

What some funeral homes (the ones I work for included) do is put your money into insurance AND price guarantee the funeral home costs f-o-r-e-v-e-r.  So your $1700 casket today will be sold to your family at the time of need for....you guessed it, $1700.  The basic professional service fees,  embalming, hearse, vault, calling hours and so much more...all price guaranteed.  What's not price guaranteed?  Outside costs.  They are what other entities or people charge the funeral home.  Examples are obituaries, certified copies of the death certificate, clergy, musicians etc.  In some cases this could also include the crematory cost however, with the funeral homes I work at, we own our own crematory so that would be a fixed cost and price guaranteed forever.

Funeral homes, for the most part, want to be paid in full by the date of service.  Some may offer payment plans with interest.  Pre-arranging allows you to enter into a payment plan in most cases which makes things more manageable when spread over 1, 3, 5 or more years.  

Based on this simple information you can see how this would benefit you, your family, and or your estate substantially.  Price protecting and locking in today's prices forever!  It is said that funeral costs double every 8 to 10 years.  Here's a great way to keep costs in check, make sure your wishes are adhered to, appoint someone to handle your arrangements outside of the legal next of kin listed by the state, pre-authorize your own cremation if you wish and so many more advantages people don't think of because they simply don't want to.

This is a reality for all of us that once met and handled takes an underlying burden off of many.

The next tidbit I offer will be to answer those who say, "But I already have life insurance."

Wednesday, June 5, 2013

Introduction to Pre-arranging a funeral

Hello again ~ so many people I've gotten to speak with over the years concerning pre-arranging or pre-planning with regards to a funeral believe that means you're going to die.  To which I reply, "uhhhh yeah."  Maybe my viewpoint is a bit jaded because I'm in the business but here's my analogy -
You purchase insurance for your car IN CASE you get in an accident...but most people don't.
You purchase insurance for your home IN CASE of fire....but most homes never experience a fire.
You purchase renters insurance for your apartment IN CASE something happens to your "stuff" but most times nothing does happen to it.
You take all those precautions against things that may, in fact most likely WON'T occur yet when it comes to pre-planning for your or a loved one's funeral you don't and yet that is the only one of these topics that is a "when" and not an "if".  We all die.

True it is not a pleasant thing to ponder yet it protects your family/loved ones, friends or whoever is left to make the final arrangements when the time actually comes.  There is a plethora of information that needs to be gathered and in short order once a death has occurred.  There's even more decisions that have to be made; burial versus cremation, if cremation will remains be scattered, buried, kept on a shelf, if burial is there cemetery property, will military honors be rendered, where are those discharge papers again, do I want a religious service, will the service be at a church - synagogue - or at the funeral home, what do you mean you need the deceased's mother's maiden name, how about a register book and prayer cards for the visitation - there's only 175 verses to select from and about 35 different card variations, flowers, donations to where in lieu of flowers, will you have calling hours/viewing or just funeral service or possibly just a simple graveside service, and so so so many more things to consider all topped off with payment due by the date of service which is typically anywhere from 2 days to a week.  That's a short amount of time to come up with $2000 to $12000 in this region for the wide range of most standard services from simple cremation to semi-elaborate burial.

Now I'm not trying to scare you here, just to be frank and make you think.  Taking these steps allows you to price shop around, see the funeral home ahead of time, see if you fit with the philosophy of the director(s), if they'll adhere to your wishes etc.  The days of just going to the same funeral home you used for great great gramma are over.  You should go where everything seems to come together and "fit" the way you want.  Where you're not pressured.  Where you're comfortable.  Don't let tradition trump the best service at the best price where you're offered the best protection just because it's always been done at that place.  No funeral home should ever rest on their laurels because that's when things get lackadaisical and well, things get "cookie cutter" as everyone is in a rut doing everything the same just because no one wants to think independently or be creative in making a funeral as unique as the life lived.

With all this being said, I will let you know I'm preparing to write a series on pre-planning.  Again, refer to my disclaimer in the right hand column.  These views are my own but I am compelled to share them and give you as much information as possible because knowledge is power and I want all the readers of this blog to be empowered.  No matter what funeral home you use, I want you to feel well served, protected and comfortable in your choices.

Be well and I'll return in  a few days to provide more pointed information after you've had time to think about these things I've written of in this component of pre-arranging/pre-planning.

Sunday, May 26, 2013

Funeral Directors Feelings

I've had people say, "You must be immune" to me when discussing feelings towards peoples death.  I can assure you, nothing can be further from the truth.  I speak for me and many colleagues I've had this frank conversation with.

True, we get hardened somewhat to varying degrees.  True, we are layers apart from the families we are working with dealing with the death of their loved one whom they have known and been close with since conception through several decades.  I never pretend to know what the family is dealing with or feeling.  I am not in their shoes.  I don't know and to simply supply mouth service here, I feel, is a disservice to the family.  I did not have that relationship with the person who died.

Still, being an active listener, connecting with my families (yes I refer to families I meet with and handle funerals for their loved ones as "my family"), I do become attached.  Sometimes I am so touched by stories I share tears with my families.  Sometimes I enjoy their stories so much I feel somehow cheated for not having known the deceased prior to their death.  And at times I laugh with families sharing humorous stories or  anecdotes of their loved one.

There is that layer that remains however which is what allows me to maintain my professionalism and orchestrate and perform the services without being overwhelmed emotionally like true family members would be.

This is where I can comment about my general statement you see in the right column of this page.  I don't take the title "director" in funeral director too much to heart.  I want to be a funeral "guide" helping people down a path they don't want to take to make certain they come out at the end of the trip in a place as good as we can possibly get it . . . together.  Thankfully, people don't have to plan and organize all of the intricate details for funerals every day.  That's where we as funeral service professionals come in.

Yes, the job can be emotionally draining but when the services are completed and I get a hug along with a "thank you" from the family....to me, that's what makes it all worth it.  That's better than a paycheck to me but please don't tell my boss.  ;-)