One of the concerns of the family whose one beloved had passed away is the cost of the funeral services, which may add to their emotional and psychological burden. Funerals, like weddings, birthdays, or reunions, are occasions where people really need to spend money in order to satisfy everybody, even the deceased. It is important for family members to be wise about the decisions that they make about the funeral arrangements of their dearly departed to avoid unnecessary financial burden.
Funerals are highly emotional events especially if the death is unexpected. These events catch the family unprepared emotionally as well as financially. Despite these conditions, the family will still have to carefully think of the funeral services they choose for their departed loved one. Talking to the funeral director should be helpful enough to determine the kind of services that will fit their budget.
Among the details that should be decided on are the type of services, the casket, the duration of the viewing, and the final resting place of the deceased. Other matters such as the size of the viewing room, the refreshments to be served, and other miscellaneous items can be decided on depending on the number of expected guests. In some instances, the guests bring food and other donations to help the family out.
Funeral homes offer funeral services in packages or plans.
Through these the family can choose the packages depending on their budget. It is important to note that some items in the packages cannot be refunded. Services that are deemed unnecessary might just add to the cost without giving benefits to the family. Those with limited budgets should watch out for these items and negotiate with the funeral director on adjustments in the package price.
It would be wise to think of ways to cut down on funeral expenses. One obvious way is to purchase a plan or an insurance coverage way before it is needed. If there are no provisions for funeral expenses, the only way for the family to cope financially is to make do with what they have. Personal resources can be utilized. Some might be lucky enough to have friends who would offer to help out in some ways. Handling some of the services without professional help could be an option.
Another way to reduce funeral costs would be to hold the viewing at home. This will save them from the expenses that come with renting a viewing room. The funeral home can take care of preparing the body and putting the remains in the casket. They can also take care of transporting the casket and the remains to the deceased’s final resting place. It would be a good idea to ask the funeral director about their basic package and options for home viewing.
There are also organizations that offer funeral services at a lower price.
They can take care of organizing the event and attending to all the details of the service. Religious organizations and spiritual institutions might be of help in this regard and are not likely to charge fees. The expenses will be charged at cost.
If the deceased owns an insurance policy, the family might be able to cover the funeral expenses. However, it usually takes several days or even weeks to claim insurance benefits. It is often difficult for the family to go to the insurance company and file the claim while attending to the funeral details at the same time. A common recourse is to borrow funds, either from relatives or from a quick loan provider, and then repay the loan when they receive the insurance proceeds.
Even as funeral services can be expensive, it does not make sense for the family to be buried in debt just to give their departed loved on a decent funeral and burial. There are ways to save on funeral expenses. It does not have to be an elaborate event. A simple funeral where the deceased’s family and friends are sincere in celebrating his life is enough to honor his memory.