Lessen the bur­den placed on griev­ing fam­ily mem­bers

The Covington News - - Medical Update - By Ric Bur­nette

Im­por­tant events in life re­quire re­spon­si­ble pre-plan­ning. Births, wed­dings, grad­u­a­tions, an­niver­saries and re­tire­ment com­mand our best plan­ning ef­forts to en­sure suc­cess.

How­ever, we may ne­glect plan­ning for the most sig­nif­i­cant life event of all, a funeral. We would never dream of wait­ing un­til two days be­fore a wed­ding to be­gin our plans. Why do we wait to plan a funeral?

The con­se­quences can be dev­as­tat­ing to those we leave be­hind.

Plan­ning for a funeral de­serves the same pre-plan­ning at­ten­tion we give to other equally im­por­tant oc­ca­sions. In plan­ning ahead for funeral ar­range­ments, con­sider th­ese im­por­tant ob­jec­tives.

• Pre-plan­ning means your fam­ily and friends will not have the bur­den of mak­ing dif­fi­cult de­ci­sions for you when you die. They may find them­selves emo­tional, dis­tressed or fi­nan­cially un­able to deal with the sit­u­a­tion.

• Plan­ning ahead for your own funeral ar­range­ments usu­ally re­sults in spend­ing less money than if those de­ci­sions were left to be made fol­low­ing your death.

Of­ten loved ones can­not re­sist the temp­ta­tion to spend more on funeral ser­vices and mer­chan­dise. This can be elim­i­nated by plan­ning ahead, calmly and sen­si­bly.

• Your funeral pro­fes­sional can pro­vide you with valu­able in­for­ma­tion so that you can make choices that are right for you. Se­lect a cas­ket, vault or urn.

De­cide if you want ground burial, mau­soleum, en­tomb­ment or cre­ma­tion. Once you have de­cided on a plan, you can com­plete a pre-ar­ranged agree­ment, list­ing each item, the ser­vices se­lected and even ar­range for items in­ci­den­tal to the cer­e­mony. Be­cause it’s your plan, your fam­ily will know they have done the right thing.

• Just like ev­ery­thing else, funeral costs con­tinue to rise, mak­ing it dif­fi­cult to plan fi­nan­cially for the fu­ture. Us­ing to­day’s dol­lars, pre-plan­ning with a guar­an­teed funeral plan pro­vides a so­lu­tion to this dilem- ma: The funeral home guar­an­tees your fam­ily will never pay more for goods and ser­vices se­lected to­day, re­gard­less of fu­ture price in­creases.

Those who fund a pre-ar­range­ment now can tell their fam­i­lies that the choices made to­day will not be re­quired to pay for price in­creases that have oc­curred be­tween the time of pre-ar­range­ment and the time of death. This is not only a kind and con­sid­er­ate thing to do for one’s fam­ily and friends, but it makes good sense as well.

• Pre-ar­ranged funeral plans can be as­signed to pay only for funeral ex­penses. This ben­e­fit may as­sist the in­di­vid­ual to qual­ify for Med­i­caid or any other form of pub­lic as­sis­tance.

Should you ever need to ap­ply; the funds in the funeral plan will be ex­empt in most cases and not con­sid­ered part of your avail­able as­sets. Con­tact your funeral plan­ning pro­fes­sional for more in­for­ma­tion.

Plan­ning ahead for your funeral ar­range­ments means peace of mind for you and re­duces the bur­den for your fam­ily and friends.


Plan­ning ahead: Don’t leave loved ones off guard, plan ahead for funeral ar­range­ments and costs to lessen the strain placed on the be­reaved.

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