What is Pre-Arrangement?
Basically, pre-planning is the process of recording the decisions involved with a final arrangement before the death actually occurs. This may be done very simply, or you may provide much detail about your wishes. You may choose to pre-pay your final expenses, or just keep your information on file at the funeral home at no cost to you.
Pre-planning allows the open discussion of all the options available to you when there is not the emotional stress of a recent death. This enables you to make informed and rational decisions. Pre-planning your funeral provides peace of mind and can help to ease the emotional burden on your loved ones at the time of loss. It allows you to communicate your wishes to your family by recording your information and preferences.
By pre-planning or arranging your funeral, you make a very difficult time much easier for your loved ones. Many people struggle with questions like "What would Mom have wanted?" or "Did Dad want cremation or burial?" By pre-planning your funeral, you answer those questions for your family. You should also consider involving your family in the pre-planning process because when a death occurs, it will be their responsibility to carry out your wishes. A good funeral plan is one that meets the needs and circumstances of the survivors as well as those of the decedent.
Time and Details
We invest the time needed to help you pre-plan according to your needs and accurately document every detail of your wishes.
What About Pre-Funding?
Although funerals can be pre-arranged with or without financing, if you do choose to pre-finance your funeral, we will deposit 100% of your funds into an insured, interest-earning account in your name. Your money is safe, earning interest, and insured against loss by the Federal Deposit Insurance Corporation. If you should ever elect to cancel the pre-arrangement, the total principle and all accumulated interest in the account will be returned to you.
(New York State law mandates that all contracts for pre-funded funerals executed by Medicaid recepients or applicants be irrevocable)
Many realize too late that the government allows you to totally pre-pay all funeral expenses before financial resources are depleted in preparation for government assistance. Call us to help you plan correctly, we work closely with Medicaid to insure your application meets their requirements.
Are you, or someone you know applying for financial assistance under SSI/Medicaid? If so, prepaid funeral arrangements offer the opportunity to completely pay for the funeral of your choice before assets are used up for medical care or before your assets are reduced to SSI/Medical eligibility levels.
Powers, Present & Sixbey Funeral Home is a member of The PRE-PLAN, a master trust administered by the New York State Funeral Directors Association, which has traditionally returned a higher rate of interest than what is available local banks.
Like others you may have concerns about your pre-arrangements held at another funeral home and would like to transfer to our funeral home. we are able to fully assist you with this process.
Pre-planning consultation is available at the funeral home, or if you prefer, in the comfort of your own home. We will be able to explain the choices available to you, and give you assistance in selecting the services and merchandise with which you are comfortable, both personally and financially.
Following the pre-arrangement conference, we will create a permanent file in which your wishes will be recorded. You information will be always be available to us and for your family, should it be needed. We are able to give you confirmation of your plans for your own records, your family, and for your attorney.
We encourage you to call for an appointment to discuss your needs and answer your questions. There is never a fee or obligation for this service.
A Final Thought About Pre-Planning
Saying goodbye to a loved one always painful. Mental health professionals agree that repression or postponement of the grieving process merely increases the amount of time survivors need for recovery. Many people unselfishly think that they are doing their friends and family a favor by saying, "Don't make a fuss over me." This is understandable, but the fact is that by having a visitation, viewing, and a funeral service - allowing for the support of relatives and friends - the emotional healing process is hastened. Your funeral may be the greatest, most loving gift you'll ever give those who love you. It helps them say goodbye in a healthy, positive way.