Category: Advance funeral planning / preplanning

Don’t be afraid to ask the funeral director your question or to speak up and say what you want.

Some events only happen once in a lifetime. Graduations, weddings, and funerals are a few of these one-time occasions. That means the way the event is marked makes a lasting impression. If the cake at the wedding was supposed to be chocolate and it was not it does not ruin the marriage or even the day, but it can mar the occasion and it is usually the thing that is remembered. It was not right and it is never forgotten.

When a funeral is not “right”, when a minister mispronounces the deceased’s name, or the dress mom always told you she wanted to wear is not the one your brother chose, the hurt can go deep and last a long time. Getting the funeral right for your family is very important.

When you meet with the funeral director do not be afraid to speak up. Funeral directors are kind, caring people, but they are not mind readers. Tell your director what you want. Tell her what you do not want. Ask questions. Tell him about your mother, father, or spouse. Ask how to bring out what you loved about the person you lost. Treat the funeral director like you would a wedding planner. Share where family members are having a problem agreeing and ask for guidance.

Rules are made to be broken. If the number of pictures, songs, or readings recommended by the director doesn’t seem to match what you had in mind, speak up. No one at the funeral home wants your family to struggle to get the number of photos for the video down to twenty when what you really want is forty. If what you really want is for your deceased daughter to wear her cheerleading outfit for her visitation and something else for the church service speak up. Just because the body is usually dressed only once doesn’t mean it must be that way. Funeral directors know how important every detail is to the families they serve. They just don’t know what is important to you if you don’t tell them.

 

www.sytsemafh.com

Life from age 70 to 75 is interesting. It might not be a mid-life crisis but nearly everyone finds it is a period of real-life adjustments. In moving from being a 69-year-old to 70-year-old it’s easy to say, so what? Going in, 70 might feel like the new 50. Especially if a person is healthy and active. But by 75 it usually dawns on people that 80 is not going to be the new 60! It’s time to get real and embrace and prepare for life moving forward.

There are both some big questions to ponder and some little things to do to make life going forward easier. In the big category, a couple might consider where they are living.  A simple thing like not having a first-floor bedroom or bath can mean a stay in a rehabilitation facility if a hip or knee needs to be replaced. By the time one hits the 75 mark they know more than a few folks who are walking around with replacement parts.

Then there is the question of whether your home is even in the “right” location? Some people choose to leave friends and their current life in favor of moving closer to their children or family. There is no one “right” choice—however, considering the what ifs can help a person be sure they are settled in their own personal happy place.

Much easier, but not less important, is making sure that you have designated someone to make medical decisions on your behalf if you are no longer able to do so yourself.  Most folks will choose their spouse. However, it is a good idea to be sure the individual one chooses understands your desires and has the emotional strength to carry out your wishes. In some cases, it may be kinder to designate an adult child to make decisions.  Regardless of who you choose, making sure all family members know what you want to have happen and who you have designated to carry out your wishes, can save a lot of family heartache in the future.

Even easier, but still important, is taking a few steps in order to eliminate those little stressors that can ruin an entire day. Making a simple adjustment to your utilities, cable, or telephone can be a real challenge if you are not the person “of record” on the account. If the designated person has died it can get even more complicated.

Check to be sure both spouses have the authority to make changes to the account or service. Be sure the secret passwords and answers to security questions are known to both parties. Watch your “ands” and “ors”. “And” can mean you both have to be involved where “or” means either party can take action. “And” can mean you’ll need a death certificate where “or” can mean full speed ahead.

Finally, it really is time to consider the end. When your children, grandchildren, and friends come together to remember you, what will that gathering look and feel like?  Who will be in charge? Who will be responsible for making and paying for the arrangements? This one is the easiest of them all—you simply call your funeral home and ask for a prearrangement appointment. It will take just a few hours to get all your questions answered and have a plan on file at the funeral home. Then you just go right along heading to 80, eating right, exercising, and seeing the world, because maybe 80 is the new 60?

 

www.sytsemafh.com

First, relax. Talking about your funeral plans might make you a little uncomfortable at first but making a plan doesn’t mean you will be using it anytime soon. Your funeral director or advance planner will remotely guide you through the process. Most people get very comfortable in just a few minutes.

Do allow enough time. Typically, you will need an hour or two to get the most from your preplanning appointment.

Make a list of your questions. You may be undecided about some things. That’s fine.  This discussion is a good place to get the information you will need. Just ask. Should I have a gathering? Is it important for my family to see my body? If I am cremated, what are my options for a service? What are the benefits of paying in advance? If I pay in advance can I make payments? Any question you have is a good question.

Probably the most important thing you can do to prepare for your meeting is simply to think about your family and your friends. Who are your people? Brothers, sisters, children, grandchildren, the friends you have known forever and the friends you see every day. Picture them. Think about them. What will they remember about you?  What kind of a service will bring them comfort? Will they want to share stories? Will music be important? Will a spiritual component be a valuable part of your service?

Become aware that not everyone in your circle may find comfort in the same way. Tell your planner about the needs of your family and friends. Let the funeral professional help you find the right fit for your people. The funeral is for the survivors, so think about them.

You may find it to be a more pleasant experience than you expected. What you are about to do is a final gift for those you love.

 

www.sytsemafh.com

The story below illustrates the benefits of preplanning your funeral. Also known as an “advance funeral plan”, “preneed”, or a “preplanned funeral”, it is one of the few things in life where you can pay today’s prices for a product and service you may not need for many years down the road, thus saving you money.

We buried my dad last week. My dad’s funeral would have been just a little more than $8,000 not counting the luncheon or cemetery space. However, thanks to his pre-need funeral plan that he prepared 18 years ago at the funeral home, we got it for $5,000 and some change. Saving money wasn’t necessarily what motivated him to make the plan in advance. But, let me tell you, my mom was pretty pleased to know she didn’t have to write that check.

Now, I should clarify something here. My mom is more than okay financially. Paying, even the full $8,000, for the funeral would not have been a financial issue. It was an emotional thing. She knew the death of my dad was going to change her life. She just didn’t know how it would change. So, everything, every action and especially spending money, increased her anxiety. We didn’t need that. Thank you, dad, for taking care of the plan and its cost well before it was needed.

What motivated my father to pre-plan was the fact we are a blended family. It’s not the we don’t all get along, we do (most of the time). But, we don’t all have the same taste. My sister, his oldest daughter, likes the earth tones. Our mom, his wife, on the other hand, likes the jewel tones. My dad picked a black casket and even said he wanted to be buried in his navy suit. Seems like small stuff, but it probably saved us all some angst. There was no fuss, no brown suit and no hurt feelings.

If my dad would have asked us 18 years ago if he should pre-plan and pre-pay for his funeral, I feel certain all five of us would have said, “Don’t worry about that. We can take care of it when we have to.” I am so grateful that he did not ask and that he did not think just about the money portion of an advance funeral plan. Dad, thank you for being smarter than us and knowing that we would need your emotional support even in death.

 

www.sytsemafh.com

There is a woman who once thought that she’d like to have a hologram made of her wearing an Obi-Wan Kenobi robe for her funeral. Her four sons grew up during the Star Wars era and similar to Obi-Wan, she would love to pass along the wisdom she acquired over her lifetime to those she loves. And yes, she would also like to have the last word!  So who should this woman see to discuss and share her wishes? Should she talk to an attorney? Her financial planner? Or a funeral director?

Both her attorney and financial planner suggested they could help but she wasn’t convinced based on her past experience. When her parents died the funeral was over before she even started to work on the finances and the estate. And there was so much attention paid to the final, final part…burial or cremation. She decided to contact her family funeral home and she met with Sue, the advance funeral planner. As it turns out, helping people get their funeral plans in place is Sue’s only job at the funeral home. And help this woman Sue did!

They talked about what this woman thought she wanted for her funeral plans. They talked a lot about her family – her husband, her four grown up sons, their wives and their children. Sue helped this woman see that although her sons would appreciate the Obi Wan idea, her husband would need something a little more traditional with a spiritual element. They talked about the cost and how she could keep that under control. They also talked about the burial and cremation options. Sue explained to the woman that if she wasn’t ready, she didn’t need to make a decision about burial or cremation. The woman ended up talking to her family about it and she was able to get her wishes recorded at the funeral home and she decided to use a payment plan. With her plan in place, she can go in and change her plans at any time (e.g. if she decides she wants to be cremated at a later date) and Sue will help her with that.

Sue also suggested the woman begin gathering those words of wisdom that she wants to share at her funeral and bring them to Sue so she can put them in the file. On the day of the woman’s funeral, the funeral directors will print these words of wisdom and hand them out to those attending the funeral. As it turns out, holograms aren’t available just yet, but Sue thinks they may be prior to this woman’s death.

In the end, leaving the finances to the financial planner, the will & estate planning to the attorney, and the funeral planning to the funeral home made the most sense for this woman.

 

www.sytsemafh.com