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A Guide to Prepaid Funerals: Plans, Costs, And How to Get Started
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Setting aside money to take care of any expected major expense is a smart thing to do, and a funeral is no different. The key is to understand the options available to you.
What is a Prepaid Funeral?
A prepaid funeral service is a set of cremation or burial arrangements made with our funeral home, as detailed as you desire, that have been paid before their time of need. There are different ways to do this, depending on your preferences and financial concerns.
More and more people are preplanning their funerals to spare their loved ones from having to make decisions and experience financial stress while grieving. And when you make your own arrangements, it can also save you money because you can specify the type of service you want.
What Expenses Does a Prepaid Funeral Typically Cover?
A prepaid cremation or burial plan is customized to include the services and goods you want for your funeral. For instance, you can include the funeral services, casket, flowers, merchandise, transportation and anything else you require.
Talk to Your Family About Your Funeral Plan.
Loved ones may put a lot of time into planning and prepaying their cremation or funeral but fail to complete the most important step: informing their family members. Sometimes they include the details in their will, but family members don’t typically read the will until after the service.
Either circumstance means that, despite your best attempt to help your loved ones get through a tough time, they will make arrangements and pay for them without knowing you’ve already taken care of the details. Regardless of how you choose to prepay for a cremation or burial, be sure your family members know about the arrangements and have copies of all the important papers.
How Newcomer Can Help.
Newcomer’s Advance Cremation and Burial Plan includes affordable payment options and access to family support with our team of professionals and aftercare resources. With your completed Helpful Guide for My Loved Ones, our Family Service Associate will ensure the funeral director – as well as a family member or friend – receives your burial or cremation plan when the time comes.
Still have questions? Our Family Service Associates can walk you through the process. You’ll be amazed at how easy it is to organize important documents and final requests, giving your family a clear plan to follow.
Contact us to preplan today.
Cremation has become an increasingly popular choice for handling a loved one's remains. Its flexibility, lower cost, and eco-friendly nature appeal to many people. However, deciding on cremation is only the first step. A common question that follows is, "What are the cemetery options for cremated remains?" Whether you're planning ahead for yourself or making arrangements for a loved one, it’s essential to understand the various options available. Here’s a guide to help you explore the different cemetery options for cremation: Columbarium Niches A columbarium is a structure designed to hold urns containing cremated remains. It is often located within cemeteries or churches. These structures typically have designated niches where urns are stored. Families can choose from a variety of niche options, including single, companion (for two urns), or family-sized niches. Why Choose This Option? Allows family members to visit a specific place. Niches can be personalized with plaques or engravings. A good option for those seeking a permanent, above-ground resting place. Cremation Gardens Many cemeteries now offer dedicated cremation gardens, beautifully landscaped areas where cremated remains can be interred. These gardens often have various options such as individual plots, communal scattering areas, or urn vaults. Why Choose This Option? These gardens provide a serene and natural setting. Aesthetic appeal for those who prefer being surrounded by nature. Multiple memorialization options available (plaques, markers, etc.). Urn Burial (In-Ground Burial For families who prefer a more traditional approach, cremated remains can be buried in the ground, similar to casket burials. Urn burials usually take place in designated cremation sections of a cemetery, and many cemeteries offer urn vaults to protect the urn. Why Choose This Option? Allows for a traditional cemetery plot and grave marker. Offers the permanence and tradition of an in-ground burial with a smaller environmental footprint. Family members can easily visit and tend to the gravesite. Scattering Ceremony If your loved one requested their remains be scattered in a specific location, you always have the option to host a scattering ceremony with your loved ones. Why choose this option? Can be of importance to the deceased and become a location you and your family can visit. Very personal experience. Lowest cost option. Cremation offers a wide range of cemetery options that allow families to memorialize their loved ones in a way that feels personal and meaningful. Whether it’s a columbarium niche, a peaceful cremation garden, or an eco-friendly green burial, there are options for every preference and budget. When making this decision, consider what feels most meaningful to you and your family, keeping in mind the lasting tribute you want to leave for future generations.
Losing a loved one is one of the most challenging experiences a person can face. The grieving process is personal and unique, often accompanied by feelings of shock, confusion, and overwhelming sadness. However, amidst these emotions, certain practical steps must be taken in the immediate aftermath to ensure that legal and personal matters are handled appropriately. Here is a guide to help you navigate the first steps after a loved one passes away. Take Time to Process the Loss The first and most crucial step is to allow yourself a moment to process the loss. Experiencing a range of emotions is entirely normal, and you may need to reach out for support from family, friends, or even professionals. Notify Close Family and Friends Begin by informing immediate family members and close friends about the passing. Contact the Appropriate Authorities If your loved one passed away at home, you will need to contact the appropriate authorities to confirm the death. A medical professional will need to declare the death and provide a formal pronouncement, which is necessary for obtaining a death certificate. Arrange for Transportation of the Body After the death is confirmed, you will need to arrange for the body to be transported to a funeral home or crematory. If your loved one had pre-arranged plans for their final arrangements, follow those instructions. If not, you will need to choose a funeral home yourself. The funeral home staff can guide you through the initial steps, including the transportation of your loved one. Obtain the Death Certificate A death certificate is a legal document that officially confirms the death of your loved one. You will need multiple copies of the death certificate for various purposes, such as settling the estate, closing accounts, and accessing benefits. The funeral home often assists in obtaining this document, but you can also request it from your local vital records office. Review Existing Wishes or Pre-Arrangements If your loved one left behind a will, living trust, or other pre-arrangements, it’s important to locate these documents early in the process. They may contain instructions for funeral or memorial arrangements, as well as information about the handling of the estate. The existence of these plans can provide guidance during a difficult time and help prevent disagreements among family members. Notify Key Parties and Institutions Begin notifying key parties about the death. Here are some of the individuals and institutions you may need to inform: Employer : Notify your loved one’s employer if they were still working. They may need to process final payments, pensions, or other employment-related matters. Insurance Companies : Contact life insurance companies to begin the claim process. Social Security Office : Notify the Social Security Administration if your loved one was receiving benefits. Banks and Financial Institutions : Inform banks, investment firms, and any other financial institutions about the death to freeze accounts and prevent fraudulent activity. Utilities and Subscription Services : Gradually contact utilities, credit card companies, and other subscription services to close accounts or change billing information. Plan the Funeral or Memorial Service The funeral or memorial service is a meaningful opportunity to honor your loved one’s life. You may choose a traditional funeral, a private memorial, or another type of gathering that reflects their wishes and personality. Collaborate with other family members to determine how you would like to proceed and reach out to a funeral home to help coordinate the arrangements. If your loved one expressed specific desires for their service, do your best to respect those wishes. Begin Settling the Estate The process of settling your loved one’s estate can be complicated, depending on the size and complexity of their assets. If there is a will, it typically designates an executor who is responsible for managing the estate. The executor will need to: Locate Assets and Debts : Identify all assets, debts, and accounts in your loved one’s name. File the Will : File the will with the local probate court if required. Work with an Attorney : You may want to hire an estate attorney to assist with probate and legal matters, especially if the estate is large or contains unique assets. Pay Debts and Taxes : Use estate funds to pay off debts, taxes, and other obligations. The passing of a loved one is a extremely difficult experience that requires both emotional and practical steps. By notifying family, making appropriate arrangements, securing necessary documents, and seeking support, you can take care of the most immediate responsibilities while giving yourself space to grieve. Remember that you do not need to navigate this journey alone; lean on those who care about you, and seek help when needed. This process is not easy, but step by step, you can honor your loved one’s memory while finding a way forward.
A funeral is a deeply personal and emotional event, a time to honor and celebrate a loved one’s life. While traditional ceremonies often provide comfort, adding personal touches can create a unique and meaningful experience that reflects the individuality of the person being remembered. In this blog, we’ll explore ways to personalize a funeral service, ensuring it feels like a true celebration of life while providing solace to friends and family. 1. Incorporate Personal Stories and Memories One of the simplest yet most meaningful ways to personalize a funeral service is by sharing stories and memories. Invite family members, friends, and colleagues to speak about the deceased. These anecdotes not only highlight their personality, values, and life experiences but also provide comfort to those attending, reminding everyone of the positive impact the person had on others. Consider creating a memory jar or book where guests can write down their favorite memories or messages. These can be kept as a lasting tribute for the family. 2. Create a Visual Tribute Photos and videos are powerful reminders of a person’s journey through life. A slideshow or video montage can be played during the service, featuring moments from childhood, family gatherings, significant achievements, and cherished adventures. Music that was meaningful to the person can play in the background to evoke deeper emotional connections. You could also set up photo displays or memory boards throughout the venue, allowing guests to view and reflect on different aspects of the deceased’s life. 3. Curate a Personalized Playlist Music plays a significant role in setting the tone for a funeral service. Instead of sticking to traditional hymns or classical pieces, create a playlist that reflects the musical tastes and favorite songs of your loved one. Whether it’s a favorite genre, an artist they loved, or songs that marked key moments in their life, these selections can add a deeply personal layer to the ceremony. 4. Display Personal Mementos Displaying personal items that were important to your loved one is a great way to add a personal touch to the service. These could include: Hobbies and interests: Display items related to their hobbies, such as sports memorabilia, instruments, books, or art supplies. Clothing or accessories: A favorite jacket, hat, or scarf can be displayed or even worn by close family members as a tribute. Awards and achievements: If they were passionate about their career, community work, or a special cause, displaying awards or recognitions can highlight their accomplishments and the impact they had on others. 5. Encourage Participation Encouraging guests to participate in the service can make the experience more interactive and heartfelt. Invite attendees to contribute readings, poems, or songs that remind them of the deceased. This collaborative approach brings together diverse perspectives and personal connections, creating a sense of unity in honoring the individual. 6. Virtual Memorial for Distant Guests In today’s digital age, a virtual memorial allows people who are unable to attend in person to be part of the service. You can live-stream the funeral or hold a separate online gathering where friends and family can share memories and pay their respects from afar. This ensures that everyone who cared for the deceased can participate, regardless of location. Personalizing a funeral service is about honoring the unique qualities of the person who has passed and creating a meaningful, reflective space for friends and family to grieve, celebrate, and remember. Whether through music, mementos, or shared stories, these special touches can transform a standard service into a lasting tribute that reflects the spirit of the loved one. By focusing on what made your loved one truly special, you can create a service that not only commemorates their life but also brings comfort to those who are grieving, allowing everyone to come together in a meaningful celebration of life.
Grief in the Classroom: How Educators Can Support Grieving Students Grief is a complex and deeply personal experience that can affect anyone, including students. When a student is grieving, the impact can be far-reaching, influencing not only their emotional well-being but also their academic performance, social interactions, and overall sense of security. As educators, it is crucial to recognize the signs of grief and to provide a supportive environment where students can navigate their emotions in a healthy way. Understanding Grief in Students Grief can stem from various sources—loss of a family member, friend, pet, or even the upheaval of a major life change like divorce or relocation. Each student will process grief differently based on their age, personality, and the nature of the loss. Common emotional reactions include sadness, anger, confusion, anxiety, and even guilt. Physically, students might experience fatigue, headaches, or changes in appetite. Academically, grief can lead to difficulty concentrating, a decline in grades, or a lack of interest in school activities. Grieving students might also exhibit behavioral changes such as withdrawal from social interactions, irritability, or increased dependency on adults. Understanding these varied responses is the first step in providing the appropriate support. Creating a Supportive Classroom Environment Foster Open Communication Encourage students to express their feelings by creating a safe, non-judgmental environment. Let them know it's okay to feel sad or confused and that they can talk to you or another trusted adult whenever they need to. Use age-appropriate language to discuss grief and loss openly, which can help normalize these experiences. Offer Flexibility Grieving students may need time to process their emotions, which can make it challenging to meet deadlines or stay focused on assignments. Provide flexibility with homework, tests, and participation. Offer extensions or alternative assignments that are less demanding. This flexibility can ease the pressure on the student while allowing them to stay engaged in their education at their own pace. Incorporate Grief Resources Introduce grief-related books, activities, or discussions in the classroom that are appropriate for the age group. This can help students who are grieving feel understood and supported. It can also educate their peers about empathy and the impact of loss, fostering a more compassionate classroom community. Be Mindful of Triggers Certain activities, holidays, or topics may act as triggers for grieving students. Be sensitive to these potential triggers and offer alternatives or modifications when necessary. For example, if a class project involves creating a family tree, provide an option that allows the student to participate without causing distress. Encourage Peer Support Encourage students to support their grieving peers in positive ways. This could involve creating a buddy system, where a classmate checks in with the grieving student, or facilitating group activities that promote teamwork and empathy. Peer support can be incredibly powerful in helping students feel less alone in their grief. Maintain Routine with Compassion While it's important to be flexible, maintaining a routine can provide grieving students with a sense of normalcy and stability during a turbulent time. However, this should be balanced with compassion—understanding that the student may need to step away or take breaks when emotions become overwhelming. Grief is a challenging journey for anyone, but it can be particularly difficult for students who are still developing emotionally and cognitively. As educators, you play a pivotal role in supporting grieving students by creating a compassionate and flexible environment that acknowledges their pain while encouraging their continued growth. By fostering open communication, offering flexibility, and collaborating with school counselors, you can help grieving students navigate their emotions and find a sense of normalcy in the classroom. Your support can make a significant difference in their ability to cope with loss and continue their educational journey.
