Who are funerals for?
5 years ago
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How to Plan a Funeral
Comments (15)My mother went into a nursing home when she was 93. She had about $12,000-$13,000 left, most of which we used to pay for her funeral in advance. If we hadn't, the money would have gone to pay for the nursing home until it ran out, at which time she would have gone on Medicaid. My brothers and I would then have had to pay for her funeral ourselves when she eventually died. Paying down a funeral in advance is an allowable expense prior to going on Medicaid. Medicaid clients cannot have more than $1500 in assets. (When she died, she had $60.15 in her bank account; $54 in quarters that I found in an old sock from Bingo winnings; and about $1000 in her personal nursing home account. The $1000 went towards her gravestone -- it cost $1600! -- my three brothers graciously allowed me to keep their shares of the $60.15 and I still have the sock of quarters -- can't bear to do anything with them.) I don't know what yours and your parents' financial situation is (and, for that matter, whether or not Medicaid will exist in the future), but if your parents do not have insurance policies that are meant to cover their funerals, then this is another thing to consider before you yourself start paying for your mom's funeral in advance. Expecially considering how long-lived your families are. Planning ahead like this is a very far-sighted and wise thing to do. I've been meaning to do it for myself, but it's not the kind of thing you put on your weekend "to do" list. Grocery store, dry cleaning, funeral planning. Also, I would start with the church. Congregations often "own" designated areas in certain cemeteries....See MoreFunerals Depot--Please Share Your Experience
Comments (5)I have had no experience with Funeral Depot - sorry. Do you know whether your mother has negative feelings about the idea of cremation, or do you or others in your family whom your Mom might be reluctant to cause to be unhappy? The urn is much less expensive that a coffin. Plus the area that is needed for commital in a cemetery is much smaller. Are you quite certain that your family will need a locastion in a cemetery in your area for quite a number of years, and how many spaces to anticipate needing? The folks at a local cemetery say that each traditional plot will accomodate one coffin and two urns, buried above the coffin. In our area, we are told that if one decides that one does not need some plots any more, they have only one potential buyer, the cemetery itself, and there is only one price available, that which the current owner had paid in the first place - long ago, before i nflation.. I understand that my old great aunt, who died in 1940, owned a piece of land that she sold to a group to build a cemetery, for whatever amount of cash and she became the holder of 20 plots in the cemetery. On her death, she bequeathed them to her brother, who had been crippled by polio and had lived with her, which was convenient for them both, as she'd never married and was rather poor, I think. On Uncle's death, he bequeathed them to my father, who'd moved a couple of thousand miles away in 1946, and they were registered in Dad's name in 1959 ... at a value of zero dollars, they tell me. Dad told me years ago that if I wanted to give some money to the cemetery, I could have the plots, but I declined. So now they tell me that I can have whomever that I choose buried there, but I can only dispose of the plots by "selling" them back to the cemetery, at the listed value ... which is Zero Dollars per plot for each of the twenty. This appears to be a system set in place by the provincial government. My brother says that he sees where a number of people in this province are offering a number of cemetery plots for public sale, at varying prices which it appears that they are choosing. Almost certainly the rules governing cemetery plots in your jurisdiction will be different, but I'd suggest that you examine the rules governing them rather thoroughly. I hope that, whatever choice your Mom makes, that you all are pleased with it over a nmber of years. ole joyful...See Morepoem I wrote that was read at Mom's funeral (long)
Comments (10)What a beautiful poem! I have tears in my eyes. My FIL died in 1990, MIL followed in 2005, exactly 15 years to the day after he passed. My own Dad passed in 1998. My Mom has all her mental facilities (a blessing) but is physically very weak. I know she is waiting to join him....See MoreEconomy and etiquette, flowers and funerals
Comments (38)Nnanatricia, the idea of sending stamps is wonderful! I'm keeping that one in mind for the future. Death is a personal thing and each person's family likes certain things and dislikes certain things. To me it should be based on the decedent's wishes. For instance, my mother loved flowers. Any gift of flowers made her week, or month. To not have an overkill (excuse the phrase) on flowers at her funeral would have been a shame. We ordered 2 large pots plus the casket spray and knew that there'd be a lot of flowers coming, which they did. Turns out the funeral director also owned the flower shop he could "get a discount through" and not only charged us more, but gave us about 1/3 the size it was supposed to be. Needless to say we weren't happy. Then shortly after my aunt died, (my mother's only sister) and I immediately ordered a large arrangement for her. At the last second my sister and I decided to fly down for the funeral. No flowers from us. My uncle was going, oh you didn't have to, you're not expected to, and all that, but I said, no, I PAID for this and they were supposed to be here! That's the point. I was very embarrassed. This was a big flower outfit and surprised me they did this. They claimed they tried to get a hold of me, no message, hmmm. Then said they'd send something to the house afterward. But I'm getting off the point. If you're in a financial bind, you should NOT stress yourself more. Send a card with a note about a memory or something your mother said about the departed. That'll have far more value than the flowers in most cases. I'm also a little sensitive about sending flowers since some churches are now requiring people to leave the flowers for them! I was shocked when I first heard this! But it's happened a few times. That did it for me. No more flowers. Another thing you could do if you wanted, and when financial times are better is send something to the grave for Memorial Day or her birthday or something. That could be thoughtful. I don't think expectations are appropriate for memorials at funerals. It's up to the giver what, if anything they wish to do and more importantly, can afford. Don't try to keep up with the Jones'. I say go with a card and a kind word. And FWIW, if you are thinking of a plant for later, or a tree that the recipient is expected to plant and maintain, make sure it's wanted before you give it. Not everyone likes plants and the trouble to maintain them. Some, especially if they are alone, might leave for a while and who will care for them? Think before you give something just because *you* like it. I don't know many people who don't like or can't use cash! And make it cash (or a check to them) not a gift card! And for donations, I think the person donating should make the donation and tell the family. It was a lot of time, effort and stress for my father to deal with the number of checks and stuff sent to him, one is to be given to Ladies' Auxiliary (who handled the funeral food), another to Diabetes Research, another to Cancer Society, another to the in-town church, another to the church where she was buried etc. Sheesh! He insisted it be done right away. I said put it in a box and we'll do it in a couple weeks after things settled down but of course his feeling was it had to be done immediately....See More- 5 years ago
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