Sooner or later, everyone is faced with the daunting prospect that they will lose a loved one and will have to deal with not only the emotions associated with the loss, but also the arrangements thereafter. Many people don't like to think about this subject because it is so emotional, but it'll be a lot easier if you take steps to arrange matters before the event. What should you be thinking of as you start to make plans for the unfortunate day?
Why Prearranging Is Best
It goes without saying that you'll want to give your loved one a proper sendoff and a funeral service that is in keeping with their wishes, as well as those of the remaining family members. You need to ensure that the funeral service is personalised and that it brings comfort to all those who are left behind. This is why it is such a good idea to prearrange all these details, before stress and emotions start to take over.
Isn't It in the Will?
Your loved one will undoubtedly have created a will as they seek to give their possessions to their beneficiaries. However, this document may not have included the funeral wishes, and you need to be sure that you document these in advance. Once you've had the conversation, commit everything to writing and share it with all the other family members so everybody is on the same page.
Being on the Same Page
Call a family meeting to hear everybody's opinions and wishes in relation to the funeral service and other arrangements. Of course, the wishes of the elderly or infirm family member must be paramount, but you don't want to have any disagreements with family members through lack of communication.
You will need to draw up a budget, which will have all the costs relating to preparation, the funeral service and cremation. Ensure that you have discussed these figures with funeral homes and that nothing has been left out. It's possible to prepay for the funeral, and this can in certain circumstances lead to savings, especially if the prepayment is made considerably in advance of the actual event.
What About Life Insurance?
Some people believe that a life insurance payout will more than cover the costs associated with a subsequent funeral. However, there is no guarantee that there will be sufficient funds left after any funds have been allocated towards care or hospice costs.
Bringing in Outside Help
Many people find these arrangements to be very difficult to deal with, especially if they are not used to planning, or they may be emotionally overwhelmed. In these situations, it's a good idea to talk with companies that specialise in handling funeral planning services for assistance.Share