Funeral Facts and Myths

1. Preplanning of funeral arrangements is the only way to ensure that one's wishes are carried out. In their grief, a family can easily overspend when the deceased would have preferred a simple funeral.

2. Prepayment of funerals-Perhaps? On the plus side, the cost will not change. The money is put into a trust account and is deemed to collect enough interest to cover any increased costs. If there is any money left over in the account after the funeral, it must be returned to the estate. Also there is no pressure on the families to make needless expenditures. They must be aware of the payment (see item 3 below). There is a penalty of 5% of the original price up to a maximum of $200 if the arrangement is cancelled. See item 3 below.

3. Don't use your will or safety deposit box to hold a description of arrangements you have made for your funeral! Funerals usually take place (including disposal of the body) less then a week after the person dies. The Will does not even get officially read until after the funeral has taken place! By than it is too late. So a Will, in itself, is no guarantee that you will have the funeral that you want.

A safety deposit box is just as bad! The only person who can open the safety deposit box of the deceased is - you guessed it! - the deceased. At least not without some documentation which usually comes, again, after the funeral.

So where should you put the description of your funeral arrangements? The more people who have a copy, the more likely you are to have what you want. You can choose to give copies to your next of kin (preferably to more then one, your Executor, your family doctor, to your leader at your place of worship (clergy, etc.), and, of course, to the funeral home itself- not to mention your emergency/personal file/papers at your home. In short, anyone who may be present and responsible to take action at or after death occurs. More ideas? - the files at the nursing home, close friends, close neighbors .. you can best decide where copies should be.