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Message
re: Elderly people that can't pay for funeral expenses
Posted on 6/6/17 at 9:59 am to fishfighter
Posted on 6/6/17 at 9:59 am to fishfighter
We donated my brother's body to science and cremated the body. Spread the ashes on our family ranch. My parents and myself want the same for us when we go.
0
Posted on 6/6/17 at 10:00 am to stout
quote:
I am going to see what I can do to get them to agree to a GFM. They aren't the type to ask or anything is why I think she will be against it. Just your classic old hard working keep to yourself people.
This is different though.
This isn't some shite "help pay for my vacay to the Bahamas" GFM. This is a genuine emergency.
If you can get them to do it, please provide the link. I'm in for $25.
This post was edited on 6/6/17 at 10:01 am
Posted on 6/6/17 at 10:05 am to stout
quote:
They also apparently had an old burial policy they bought years ago but laws changed in Louisiana and the policy is only good for the amount they paid for it which is a few hundred dollars.
How is this possible? I don't know the specific policy you're talking about but it seems like once you've entered into the contract the company would be obligated to honor it. Generally existing policies are grandfathered in and aren't affected by new laws.
Posted on 6/6/17 at 10:06 am to alterego55
quote:
cream mated
This sounds like something I'd want.
Posted on 6/6/17 at 10:08 am to JetFuelTyga
quote:
Cremation or body donation an option? Both are cheaper, and the latter can actually serve a decent purpose.
My grandmother donated her body to Tulane after she passed. They had her for nearly two years then cremated her remains and returned them to us.
Posted on 6/6/17 at 10:08 am to Godfather1
quote:
If you can get them to do it, please provide the link. I'm in for $25.
I was just on the phone with a relative and they are OK with a GFM but they do not want their names shared for certain reasons so that makes it difficult.
Also, not sure how Chicken feels about me linking one.
This post was edited on 6/6/17 at 10:09 am
Posted on 6/6/17 at 10:10 am to MLCLyons
quote:
How is this possible? I don't know the specific policy you're talking about but it seems like once you've entered into the contract the company would be obligated to honor it. Generally existing policies are grandfathered in and aren't affected by new laws.
I am unclear on this too but the funeral home he bought the policy from wanted an additional large sum of money. I think she and he were unclear on what they policy was and assumed it covered more than what it does. I didn't press the issue.
This post was edited on 6/6/17 at 10:13 am
Posted on 6/6/17 at 10:11 am to stout
quote:
Doubt they would take someone in their late 80s
My grandmother was a few months shy of 100 when they took her.
Posted on 6/6/17 at 10:16 am to stout
quote:
I am unclear on this too but the funeral home he bought the policy from wanted an additional large sum of money. I think she and he were unclear on what they policy was and assumed it covered more than what it does. I didn't press the issue.
Might want to see if she'll let you have a look at the policy to make sure the funeral home isn't just trying to screw her over or just doesn't know what they're talking about. Maybe even call someone at the department of insurance for the state it was purchased and find out if what they're telling her is true.
Posted on 6/6/17 at 10:18 am to stout
quote:
Doubt they would take someone in their late 80s
My dad wanted to be taken to the LSU School of Medicine. He wasn't quite that old, but it's worth a shot if she is ok with it.
The BIG downside is that we thought it would be about 2 years before we got his remains, but it ended up being five. That was a long time, and was hard on my mom, bringing it all back again. It was really hard for me having him there, but my dad absolutely hated funerals and wanted to have it that way.
Posted on 6/6/17 at 10:23 am to stout
quote:
I was just on the phone with a relative and they are OK with a GFM but they do not want their names shared for certain reasons so that makes it difficult.
well it seems they are not in a position to be setting terms, either they want help or they dont
the simple solution would be to start the GFM, kick it off here, contact KPLC and see if they will do a story on it
Posted on 6/6/17 at 10:27 am to MLCLyons
quote:
Might want to see if she'll let you have a look at the policy to make sure the funeral home isn't just trying to screw her over or just doesn't know what they're talking about. Maybe even call someone at the department of insurance for the state it was purchased and find out if what they're telling her is true.
I agree. The first step would be to verify all the information that's been provided to you is accurate. Given their age, they could have even misunderstood the funeral home or spoken to an individual that's not familiar with these older policies.
Posted on 6/6/17 at 10:37 am to SECretariat
quote:
Might want to see if she'll let you have a look at the policy to make sure the funeral home isn't just trying to screw her over or just doesn't know what they're talking about. Maybe even call someone at the department of insurance for the state it was purchased and find out if what they're telling her is true.
I agree. The first step would be to verify all the information that's been provided to you is accurate. Given their age, they could have even misunderstood the funeral home or spoken to an individual that's not familiar with these older policies.
I will do this.
Posted on 6/6/17 at 10:44 am to MLCLyons
I would start by contacting the insurance company on the burial policy.
Posted on 6/6/17 at 11:15 am to Chuker
quote:
For the lady I don't have much. I'd say get one of the cheap wooden caskets that the Monks made but sounds like the state of LA has made sure they are expensive enough so the funeral homes can compete.
What does a cheap funeral cost? When we buried an elderly family member a few years ago it seems like it was 8k. And that was with the plot already bought.
I just did a pretty basic funeral. It wasn't bare bones, but wasn't some big production either. It probably cost about $12,500 to $13,000 by the time it was all done.
As per my mother's wishes, I bought a "cheap wooden casket" from St Joseph's Abbey. I think it was ~$2,200. The "Monastic" design is simple and very basic, but they are made of cypress and well constructed. The people there are very nice and easy to deal with.
Embalming is a racket. If you want any kind of viewing in LA, the body has to be embalmed. It's the bulk of the funeral home expense. Our funeral home expense was almost $9,000. The wake was nice enough, but nothing overly fancy. Check different funeral homes, because there can be substantial price differences.
We have a family tomb, so we just had to pay to have it opened and for new engraving on the door.
Stout:
My only suggestion to you would be to contact a couple of local funeral homes, explain your friend's financial situation and ask what options are available for a dignified, low cost service. Good luck.
This post was edited on 6/6/17 at 11:23 am
Posted on 6/6/17 at 11:22 am to stout
Was the husband a veteran? If so, the VA will bear some of the costs...
Posted on 6/6/17 at 11:40 am to stout
Not sure what religion they are/were, but given their cash situation...
too bad
If they are members of a church that forbids cremation, than that church should offer to pay for the burial.
quote:
They were against cremation
too bad
If they are members of a church that forbids cremation, than that church should offer to pay for the burial.
Posted on 6/6/17 at 12:30 pm to Godfather1
quote:
please provide the link. I'm in
Same here
Posted on 6/6/17 at 12:33 pm to stout
Stout, I'll follow this thread and see what develops. If a gfm starts up, I'll chip in. If not, we are pretty close geographically; I'm not a baller, but can chip in some.
Posted on 6/6/17 at 12:44 pm to p0845330
To those who are surprised about the funeral policy not covering it, you should know that the prepaid arrangements are often scammy as hell and have resulted in tons of lawsuits and screwed customers over the years.
You may be better off to set money aside in an account that your children can access pre-succession to pay for the funeral.
You just have to decide who you trust more: your kids or the funeral industry. It can be a tough call for some.
LINK
You may be better off to set money aside in an account that your children can access pre-succession to pay for the funeral.
You just have to decide who you trust more: your kids or the funeral industry. It can be a tough call for some.
quote:
Paying for your own funeral in advance sounds like an ideal way to spare your survivors some stress and expense. But a growing number of consumers are finding that these "pre-need" funeral arrangements can come with unexpected costs and, all too often, outright fraud. A slew of recent state and federal investigations have uncovered everything from excessive fees levied on prepaid funds to misappropriation of the money.
LINK
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