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What is prearranging?
Prearranging is sitting down with a licensed funeral
director and discussing a person's wishes ahead of time.
By arranging in advance, a family will be in the mental
capacity to make hard decisions. The entire family should
be involved in this arrangement. By being involved, this
arrangement should act as the guidelines for the next of
kin to follow when death does occur. Thus answering the
question, "Is this what they really wanted?"
What are methods of prepaying for an
arrangement?
Payment methods include, but not limited to : a regulated
trust fund; a life-insurance policy or annuity equal to the
value of the funeral;or a savings or certificate of deposit
account earmarked for funeral expenses(the account can
be designated as "payable on death" to the funeral home ).
By talking with a director, a method with be determined
best suited for you.
If money exchanges hands, make sure you receive copies
of the documents you signed. In the state of Pennsylvania,
funeral home have to follow this rule:
Under the Pennsylvania Funeral Law Section 13 (479.13)c-
No person other then a licensed funeral director shall,
directly or indirectly, or through an agent, offer to or enter
into a contract with a living person to render funeral
services to such person when needed.
If any such licensed funeral director shall accept any
money for such contracts, he shall, forthwith, either
deposit the same in an escrow account in , or transfer the
same in trust to, a banking institution in this
Commonwealth, conditioned upon its withdrawal or
disbursement only for the purposes for which such money
was accepted.
If I am going into a nursing home, how can I
protect my funeral arrangement ?
When making arrangements let the director know of being
placed in a home. Some nursing homes require a
prearrangement contract to get into the facility.
To protect this money, it should be placed into an
irrevocable account.
This is an account that money can be placed into,however,
the only way that money can be removed is when a director
makes a claim on the policy. This requires a certified
death certificate( in PA its a green copy) from the local
registrar, and a signed funeral bill.
If the money is not protected, a nursing home can
potentially take this money to pay for your needed
expenses, depleting your account. If you have a doubt
about your account, contact your local director.
Prearranging is sitting down with a licensed funeral
director and discussing a person's wishes ahead of time.
By arranging in advance, a family will be in the mental
capacity to make hard decisions. The entire family should
be involved in this arrangement. By being involved, this
arrangement should act as the guidelines for the next of
kin to follow when death does occur. Thus answering the
question, "Is this what they really wanted?"
What are methods of prepaying for an
arrangement?
Payment methods include, but not limited to : a regulated
trust fund; a life-insurance policy or annuity equal to the
value of the funeral;or a savings or certificate of deposit
account earmarked for funeral expenses(the account can
be designated as "payable on death" to the funeral home ).
By talking with a director, a method with be determined
best suited for you.
If money exchanges hands, make sure you receive copies
of the documents you signed. In the state of Pennsylvania,
funeral home have to follow this rule:
Under the Pennsylvania Funeral Law Section 13 (479.13)c-
No person other then a licensed funeral director shall,
directly or indirectly, or through an agent, offer to or enter
into a contract with a living person to render funeral
services to such person when needed.
If any such licensed funeral director shall accept any
money for such contracts, he shall, forthwith, either
deposit the same in an escrow account in , or transfer the
same in trust to, a banking institution in this
Commonwealth, conditioned upon its withdrawal or
disbursement only for the purposes for which such money
was accepted.
If I am going into a nursing home, how can I
protect my funeral arrangement ?
When making arrangements let the director know of being
placed in a home. Some nursing homes require a
prearrangement contract to get into the facility.
To protect this money, it should be placed into an
irrevocable account.
This is an account that money can be placed into,however,
the only way that money can be removed is when a director
makes a claim on the policy. This requires a certified
death certificate( in PA its a green copy) from the local
registrar, and a signed funeral bill.
If the money is not protected, a nursing home can
potentially take this money to pay for your needed
expenses, depleting your account. If you have a doubt
about your account, contact your local director.
| If you would like to start a prearrangement click the link below and fill out the questions. Celebrate your Life Prearrangement |
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