Many people plan for life events such as weddings and vacations well in advance, but many people do not plan for something that is certain to happen, their funeral. While most people do not want to think about their own morality, the time to pre-plan your funeral is now. The primary advantages of pre-arranging your funeral is to relieve the burden on your loved ones in an already emotional time, and to ensure your funeral is carried out according to your wishes, eliminating the task of second-guessing what you would have wanted. Taking the time now to arrange your funeral is one less thing your loved ones will need to worry about once you’ve passed. Pre-planning and pre-paying your funeral is one of the most thoughtful gifts you can give to your family.
Pre-paying your funeral reduces stress and financial burden on your loved ones after your passing. We can co-ordinate a payment plans that suits your needs, from a single payment plan to monthly bank account withdrawals. By pre-paying your funeral you eliminate your family second guessing on if they have spent too much or too little on your funeral. Pre-payment also protects you and your family from inflation, and the growth is non-taxable. Depending on your region, if your funeral costs less than the amount you have put aside, those funds will be refunded back to your beneficiaries. For more information on what is applicable in your region, simply speak to your funeral director. Each year thousands of people decide to pre-plan and pre-pay their funeral, these plans are designed to be flexible and can accommodate the many changes that often occur in people’s lives.
What you can do in advance…
- Decide on Burial or Cremation and your casket or urn type.
- Pick what type of service you want (religious, military, non-traditional)
- Choose which funeral home to use.
- Designate your pallbearers, pick any music or readings you want at your service.
Benefits of Pre-Planning
- Between 70 and 75 decisions are made within the first 24-48 hours of death. It’s difficult to think rationally while making so many decisions within days of losing someone, pre-planning gives yourself, family and friends peace of mind. Pre-planning gives your loved ones direction of your wants and desires.
- It’s easy. Anyone can do it, and you can change your mind at any time.
For generations we have assisted families with the burden of making funeral arrangements during times of stress. To help ease that burden, we have a prearrangement program that allows an individual to record their desires and wishes in advance. It may be as simple as placing some notes in a file. Some families, however, want to avoid rising costs and choose to prefinance the funeral service. If this option is preferred 100% of all monies received are placed in trust and are audited by the State. Regardless of the individual's wishes, our staff is available to assist. If you have already made prearrangements with another funeral firm, we will honor those arrangements at any of our locations.
Retirement planning involves looking at many issues and certainly funeral prearrangement should be part of that process. We also recommend consulting with legal and financial professionals to insure you and your family are aware of any issues and are protected as much as possible. If you are needing to file for Medicaid, you should be aware that a pre paid funeral contract is not counted in your allowable assets.
The plight and death of Terry Schiavo in Florida has opened the eyes of many people to the inherent value of planning ahead. You may need to prepare or revise your will and have other legal documents prepared. One document that can be completed fairly easily is the Declaration Of A Desire For A Natural Death. In North Carolina this form is included in the North Carolina General Statute 90-321. If you wish a copy you can click here North Carolina Statutory Form, NC Gen. Stat. 90-321. Please note this form may not be recognized in other states.
|Brenda Williamson||Katherine Kilpatrick|