How many times have you heard that funerals are the third most expensive purchase one will make in a lifetime? That simply is not true. The reality is that the average cost of a funeral is far less than weddings, cars, RV’s or even teeth implants. And many of these purchases are made more than once, even weddings. The average wedding costs more than $30,000. The average cost of a full funeral with a vault is less than a third of that.
Funerals have many of the same elements as weddings. They are both celebrations with flowers, food and special clothing. Yet, in many ways, planning a funeral is more involved than planning a wedding and the funeral directors do it all in two or three days.
A funeral is a remarkable value when you consider the services that come with it. A professional team and a beautiful facility are available at moment’s notice to help you create a beautiful celebration of life.
I saw this on the internet and thought, “How true.”
“It is the VETERAN, not the preacher who has given us the freedom of religion. It is the VETERAN, not the reporter, who has given us the freedom of the press. It is the VETERAN, not the poet who has given us the freedom of speech. It is the VETERAN, not the campus organizer, who has given us the freedom to assemble. It is the VETERAN, not the lawyer, who has given us the right to a fair trial. It is the VETERAN, not the politician, who has given us the right to vote.”
Thank a veteran today for his bravery and sacrifice. Thank his family for their sacrifices as well. Show your gratitude by paying attention to what is going on. Vote for candidates who make sure veterans get the medical care they deserve. Insist bureaucrats and elected officials honor the constitution that veterans fought so hard to protect. We owe that and so much more to them.
According to the Department of Health & Human Services on their website LongTermCare.gov someone turning 65 today will have a 75% chance of needing some type of long-term care and support for their remaining years. For some of us that means nursing home care and we all know how expensive that is. It doesn’t take long to deplete your savings.
In Kansas, Medicaid will cover your nursing home care if your income is below a certain level and you have less that $2000 in assets, excluding your home. The SRS will allow you to set aside additional funds for final arrangements and still remain eligible for assistance.
If you want to “hedge your bet” we will help you set aside funds for final arrangements that can even include a monument and still remain eligible for nursing home financial assistance from the SRS in case you need it. Please note though, it needs to be in place before you need it.
Most people not only want to relieve their families of the emotional burden of making funeral arrangements at a difficult time, they also want to relieve them of the financial burden.
If you choose to pre-finance your final arrangements there are several ways to fund it. The most common ways are through a burial insurance policy or through The Kansas Funeral Trust. Both are irrevocable and can only be used for final expenses. If there is more in the policy or trust than needed, the excess is returned to the family if the deceased was not on public assistance.
Here are some questions to ask your funeral director to help you make the decision. Is the prepayment ever refundable? What happens if the funeral home is sold? In the event that you move, is the pre-funded plan transferable?
If you are interested in finding out more, please call and we will meet with you and discuss your options.
There is no grief comparable to a parent’s grief when their child dies. There is no greater pain. For those of us who have not experienced this tragedy, we can only imagine. It is something we don’t even want to think about. It is a parent’s worst nightmare.
Parents who have lost a child tell us they want to talk about their child and they want friends to listen. Hold their hand. Be there for them. What they don’t want to hear is comparisons to other deaths. To them, there is no death comparable to their child’s death.
They want you, their friend, to be patient. There are times when emotions well up and overwhelm them, sometimes long after the death. They want you to stick with them. They know it isn’t always pleasant, but they need your friendship and understanding now, more than ever. In time they will learn to live with their loss, but it is something parents never get over.
We have come across an excellent booklet called, “Answers to a Child’s Questions about Death.” This booklet has illustrations with questions and answers in a language most youngsters can understand. The concepts covered are well within most children’s grasp.
Here are examples of some of the questions. Why do people die? Does death hurt? Is death like sleeping? Where do dead people go? Why are people buried when they die? It helps if children talk about what they are feeling, and this book helps them feel okay about asking questions.
Although this booklet incorporates basic Judeo-Christian concepts, it does not reflect a specific religious point of view. You might consider introducing this book to your child when an acquaintance, but not someone close, dies. Then, in the future, if someone close does die, your child may feel more comfortable talking about the loss. Feel free to pick up a copy.
When a child loses a parent, the child naturally worries about the family, how will they manage? Will everything change? What is going to happen to them? The child needs constant reassurance that the family will be all right.
When a parent dies, children are often worried about the surviving parent, afraid that he or she might also die. It is important to be predictable, be on time and be there when your child expects you. Don’t give your child any reason to worry about you. A child may hide his feelings because he doesn’t want to worry you. Even if your child seems okay, keep reminding him that the family is going to be all right.
As time passes, the apprehension will diminish, and your child will regain some of the sense of security that was enjoyed before the death of a parent. Keep reassuring your child that he will always be taken care of and will always be loved no matter what.