Blog | Sytsema Funeral & Cremation Services

Is It Bad Luck to Plan Your Funeral in Advance?

Definitely not. In fact, if one were to ask the children and family members of those who planned their funeral in advance how they felt about their family member’s foresight they would no doubt tell you they felt very lucky indeed.

Imagine this: your phone rings or buzzes or sings and you answer or check your messages only to find out someone you care about has died. Maybe they succumbed to a long and difficult illness or perhaps the death was caused by an accident or a sudden unexpected medical event. What happens next? If you are one of the family decision makers, you begin to come together. That coming together can mean a drive across town or it may involve booking a flight. It can mean a series of telephone calls or a Zoom style family meeting. There will be questions that need to be answered and decisions that must be made.

Where did the death occur? Who do you call to transport the body? Where will the body be taken? Which funeral home will be used? When will a service take place? Will there be burial, cremation or something else? Will there be a spiritual component? Who will prepare the death notice? Who will take care of writing the obituary? How much will everything cost and who will pay? How soon will funds be available? There will be many decisions that must be made in a short period of time.

Now, imagine there is a plan in place. Funeral arrangements have been made and paid for in advance, maybe even years before an illness was even known about. Imagine family members knowing exactly who to call, what will happen, how much it will cost and how all the services will be paid for. Luck is with those who prepare. It’s called making your own luck.

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Moving on (Too) Quickly for Others

What does grief look like? You might be thinking now about the five stages: anger, denial, bargaining, depression, and acceptance. But what happens when someone goes out of order, skips a step, or doesn’t go through them at all? Although you may think it’s a sign that something is wrong, the truth is that we all experience grief in different ways. And someone may move through grief faster than someone else.

First things first, forget what you know about grief.

In 1969, in her book On Death and Dying, Elisabeth Kübler-Ross introduced the Kübler-Ross model, which became known as the five stages of grief. And although we typically associate this model with describing how we grieve someone’s death, that’s not actually what it was made for. It’s meant to give structure to how someone comes to terms with being diagnosed with a terminal illness. The five stages of grief were never about grieving a loved one’s death.

However, other studies have tried to apply the model to grieving a loved one, only to find that it doesn’t really work the way that people believe it does. A 1981 study that looked at individuals who had been widowed for various lengths of time found that the pain and stress of widowhood persisted for years, with no subjects falling into particular stages at certain times, as the five stages of grief suggested they would. A 2002 study took a look at people before and after their spouses’ deaths and found that only 11 percent followed the Kübler-Ross model’s trajectory.

So, if the five stages of grief aren’t scientifically accurate, why do we hold onto this idea that there’s a “right” way to grieve? When a daughter loses a father, is she wrong to go back to work the same week? When a husband loses a wife, is he wrong to be on a dating app by the end of the year? Perhaps yes and perhaps no. But these feelings are personal. And although you may imagine that you’d grieve in a certain way if you lost someone close to you, you cannot know what their grief is like.

What should you do if someone you love is moving on “too” quickly?

One thing that should be considered before you try to intervene when you think someone is moving on very quickly is whether or not they are really moving on at all. In the case of a daughter going back to work, she might not be trying to move on. She might simply be looking for a distraction because being at home is too painful. In which case, be kind and don’t remind her of her loss. Be a friend, let her talk to you about her loss if she wants to, and otherwise be someone she can turn to when she needs to take her mind off grief or funeral planning. Although she may look like she’s moving on quickly on the outside, she might still be grieving, just in a different way from your personal grieving process.

But what about a husband who is looking to remarry soon after losing his spouse? Men are significantly more likely to begin dating after being widowed, and they’re more likely to do it sooner as well. After 25 months following the loss of a spouse, 61 percent of men are in a new relationship, compared to just 19 percent of women. So, do most men then move on too quickly? Regardless of gender, people who remarry after their spouse’s death report lower levels of depression and greater life satisfaction and well-being than those who don’t. But because men are more likely to have fewer friends than women, husbands often rely on their wives as their primary source of emotional and social support. When a wife dies, a husband may suddenly feel cut off from those crucial outlets, which propels him into the dating world sooner than a woman who lost her husband.

Should you intervene if someone you love is looking for love after losing their spouse? If you’re very close, you may consider voicing your concerns, but keep in mind what they gain in their life by remarrying. The thing about moving on is that it’s taking steps to keep living. It doesn’t mean that there’s no grief remaining. A person who loses a spouse needs to learn to live without them, but they still will miss their presence. And if that person remarries, it doesn’t mean that they’re replacing their spouses, nor are they trying to forget their spouse and all the memories they made together. They’re just searching for more fulfillment in their lives, and for many people, that includes learning to love again.

Ultimately, only one person can decide if they’re ready to move on, and that’s the person who lost their loved one. If you think you’re ready to move on in terms of dating again, it’s important to ask yourself if you feel prepared for this new change. Can you let someone else into your life? Can you love your new partner the way they deserve to be loved? If you know wholeheartedly that you can, you’re ready. But no one else can answer those questions but you. And if you’re seeing someone you love move on in a way that you don’t think you could or would, remember that you’re not the one who experienced their grief. Only they know what their grief is like and whether they’re ready to move on. All you can do is be there for them as they try to make this new transition in their life.

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My Financial Advisor Doesn’t Think it’s a Good Idea to Preplan my Funeral

The butcher, the baker, the candle stick maker. Does anyone go to the butcher for a candle? Would anyone even think of asking the funeral director for investment advice? The financial advisor, while very knowledgeable about money and investments, has little experience in helping a family honor the life of someone they love. Yesterday you could hold the hand of your loved one, today you must figure out how to say good-bye. Tomorrow you will begin the difficult task of living without the one you love. In the midst of all of this you will need to plan and pay for a funeral service. Helping families navigate those difficult days or to plan for this inevitable event is the job of the funeral director.

Accessing the dollars to pay for a funeral is where the financial planner can help. A financial planner who is familiar with a family’s financial resources can help them decide how and when to pay for a funeral. In a perfect world the investor, that’s you, would not die on a day the market was down, or just as his stocks were on the rise. He would die when it is a good time to take the cost of his funeral out of his investments. His heirs would not be burdened with tax consequences. Truth be told, life just does not always work out perfectly. We do not decide when we die.

This is what you can do. Plan the funeral with your funeral director. Talk to her about service options that will help your family cope with your loss. Talk to her about how much you are comfortable spending. Become educated about the advance payment options that are offered through the funeral home.

Ask if you can pay for your funeral in monthly payments over a few years. Ask what happens if you die before you complete all payments. Many funeral homes fund funerals with insurance products designed just to pay for funerals. That can mean the funeral will be paid for by the insurance company should death occur before your payments are completed.

Ask what happens if the cost of your funeral increases between now and when you die. Is there protection available for funeral inflation?

Talk to your spouse. If you die first, who will pay for the funeral? Where will the money come from? Will there be tax consequences? Would it be easier for the one who will be responsible if the funeral plan were funded? Decide what will work best for your family.

Now, go to your financial advisor. Ask him if you should pay for your funeral in one single payment now, or should you take advantage of one of the payment plans? Share all the information you receive from the funeral home. Get financial advice, not permission, from the one who looks through the lens of the dollars, the financial advisor. Get your funeral planning advice from the one who helps families cope with death, the funeral director. Make your decisions for the ones you love, with the ones you love, your family.

Do You Have to Be a Funeral Director to Work at a Funeral Home?

When we talk about working with a funeral home to plan a loved one’s funeral, one person who plays a central role in creating an event that celebrates that loved one’s life is the funeral director. A funeral director is essentially your go-to person at the funeral home, there to provide care and support during an incredibly challenging time. They oversee and direct all funeral services, from viewings and visitations to burials and cremations. But there’s even a lot of work that funeral directors do behind the scenes that families don’t see, such as organizing transportation for your loved one to and from the funeral home, coordinating receptions, and ensuring that all necessary paperwork is filed properly and in a timely manner.

There’s no doubt that a funeral director plays an essential role in every funeral, but luckily, they don’t have to do it alone. Especially in larger funeral homes, there can be plenty of people to assist the funeral director and care for families during this emotional time.

Who works at a funeral home?

One essential part of a funeral home is an embalmer. In the United States, 50 percent of people are embalmed. Embalming is often necessary for funerals and viewings so that the loved one will look more like how families and friends remember them. Although many funeral directors are also embalmers, it’s very common for larger funeral homes to have several embalmers on staff. Not only do embalmers have to have a special license, but they also must have a degree in mortuary science and have undergone an apprenticeship under an experienced embalmer.

An embalmer may also work as a mortuary cosmetologist, also known as a desairologist. In this position, they work on the hair and makeup of a decedent, an essential part of preparing a loved one for their viewing or open-casket funeral. However, not all embalmers are desairologists, and it’s not uncommon for larger funeral homes to work with additional mortuary cosmetologists.

Although funeral directors oversee all ceremonies, those events couldn’t happen without the work of funeral attendants. Attendants work under funeral directors to ensure that everything runs smoothly so families needn’t worry and can simply grieve in peace. They assist in setting up funeral rooms, transporting caskets, and doing anything a funeral director may need of them.

Not every funeral home has the same type of staff, but advanced planning advisors are often a crucial part of the team. When you pre-plan your funeral, you’re reducing the stress of your family having to wonder if they’re giving you the funeral you truly want. Without pre-planning, an already difficult time becomes even more challenging. Advanced planning advisors work with people who want to save their families from that distress. When you work with an advanced planning advisor, you’re giving your family a blueprint of what you want your funeral to look like. When the time comes, the advanced planning advisor will work with the funeral director and other staff members to put that plan into action.

Just like a funeral home may have someone on staff to help before a funeral even needs to happen, it may also have someone who works with families after the funeral ends. Because funeral homes are such an essential part of a community, many funeral home staff members consider being an active member of their community to be part of their job description. But for some people, their job is solely about caring for the community. Some funeral homes provide aftercare, which means that staff members help families during their time of grief. Since that mourning period doesn’t end with the funeral, neither does the care these funeral homes give. These workers may be grief counselors, or they may go by a different title, but in their role, they make sure that families don’t have to go through mourning alone.

But many other people play essential roles in creating funerals that celebrate an individual’s life. Administrators and administrative assistants keep a funeral director on track, ensuring they have everything they need to take care of any families who come to their funeral home. They work to create a friendly but professional atmosphere, giving comfort to the families and their guests.

Although the funeral director may be the face that you associate with a funeral home, they’re surrounded by people who care about their community and want to be part of making a funeral a cherished event that celebrates the life of someone who meant so much to so many people. Working in a funeral home takes a kind demeanor and temperament. From administrative assistants to embalmers, funeral home staff members are unique individuals who will care for people during one of the most challenging times in their life. After years of training, these community-minded individuals love the opportunity to be of service to people in need.

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Cremation After the Funeral Service

Cremation rates have been on the rise in the United States for many years, and it’s becoming more and more common for funeral homes to be holding funerals for loved ones who will be cremated. But how does funeral planning work when your loved one will be cremated?

Can my loved one be cremated after a funeral service?

A common misconception exists that says that you can’t have a funeral service if your loved one is going to be cremated. However, this belief is false. Cremation does not preclude a funeral service. Your plans for your loved one’s service do not have to change due to cremation. You can still have a traditional funeral, if you so choose, where your loved one is present prior to their cremation.

When making plans for your loved one’s funeral, talk to your funeral director about wanting the funeral before their cremation takes place. You may have either an open or closed casket funeral, and you may not even need to purchase a casket. Many funeral homes offer families the ability to rent a casket for the length of the funeral because your loved one will not then be buried in the casket. You may also hold additional services before the cremation, such as a viewing or visitation.

Similar to how a burial may happen directly after the funeral, your funeral director can work with a crematory to ensure that cremation occurs right after the funeral service. The funeral home may have their own crematory on-site, making this planning process simpler, or they may work with a respected third-party cremation provider. In the case of working with a different provider, the funeral director will also organize transportation for your loved one to their cremation.

Even if you held a funeral before your loved one’s cremation, you might still want additional services. You may opt for a committal service, which is when your loved one’s cremated remains are either buried or interred in a columbarium. Or you may want a scattering ceremony, where your loved one’s ashes are spread in a location that meant a great deal to them in life. These services are often smaller than a funeral. They allow for close family and friends to say a last goodbye to a loved one as they’re placed in their final resting place.

What if my loved one is cremated before the funeral service?

Some people opt for direct cremation before a funeral service, but that doesn’t mean that you can’t have a service at all. Although you can’t have a funeral with a casket present or a viewing, you can still have a memorial service after the cremation.

Because a funeral with a decedent present usually has to happen within a certain amount of time, having a memorial service after cremation affords families more time to plan. Memorial services can happen on the same day as a cremation, but they don’t have to be. Some people prefer to take more time to plan the service, and it’s not uncommon for a memorial service to happen weeks or even months after cremation.

A memorial service can function similarly to a funeral service. You can still have all the aspects of a funeral you may want, such as a eulogy, but the only difference will be that your loved one may be present in an urn, as opposed to being there in a casket. Your family can then choose how they’d like to store or scatter the cremated remains.

Whether you’d like a funeral before cremation or a memorial service after cremation, a funeral home can help. Talk to your funeral director about what you picture for your loved one’s services, and they’ll be able to guide you toward a decision that’s right for you and your family. In either case, you’ll be planning a ceremony that honors the life of your loved one, regardless of what their final disposition may be.