Death of a Loved One Funeral Planning Checklist

Plan a Funeral

Death of a Loved One Checklist

Checklist to Help Families Get Through a Difficult Time

Losing a loved one is arguably one of the most difficult experiences in life. In addition to coping with the grief and loss, there are also a variety of challenging tasks and important financial decisions to be completed, some of which include:

– Making final arrangements

– Reviewing funeral costs and funding options

– Settling an individual’s estate and heirlooms

– Notifying family, friends and co-workers

– Working with various companies and government agencies

– Providing important vital statistics for insurance claims and death certificates

– Securing the financial security of the remaining spouse

Time-Sensitive Tasks

Contact all close family members, friends, co-workers and clergy first. This is not only important to notify them of this loss, but because you will need their help with funeral planning and emotional support.

Begin working with the family and loved ones to arrange the funeral, burial or cremation and memorial services. Since everyone knows that death is a guaranteed event, my hope is that financial professionals have properly planned and prepared their clients and prospective clients in most of these End of Life arrangements ahead of time.

Review all of the important paperwork and documents to identify any instruction containing their final wishes. In most cases, these key End of Life and estate planning instructions can be found in his or her Last Will, Living Trust, or other estate planning preparations.

Notify family, friends, co-workers and loved ones of the final arrangements. These final arrangement notifications should include details such as cultural and religious rituals, funeral etiquette details, and funeral flowers or donation preferences.

Notify the decedent’s place of work, professional organizations, unions, associations, military branch, and any other organizations where he or she may have been a member or volunteer.

Recommend that each of the decedent’s loved ones notify their own personal employer and arrange for bereavement leave.

Make sure that an obituary is created in your local newspaper as well as on the Internet.

Promptly begin obtaining certified copies of the death certificate. In most cases the family doctor or medical examiner provides a death certificate within 24 hours of the death. The next step is for the Funeral Home and/or Funeral Director to complete the form and file it with the state. Note: Be sure to request and obtain many original copies, since photocopies are not always accepted. These death certificates become important for tasks such as applying for benefits and settling an estate.

Be sure to review all financial affairs, particularly focusing on estate planning documents such as a Last Will or Living Trust, deeds and titles, marriage certificates, birth and adoption certificates, military paperwork and other relevant documents.

If applicable, locate and contact the decedent’s estate planning attorney for all copies of estate planning documents, particularly the originals.

Contact the decedent’s local bank to verify if they had a safe-deposit box. Note: If the decedent did not leave behind instructions or details regarding who is authorized to open their safe deposit box, you can petition the probate court for an order to open.

Contact the Social Security Administration to report the death. Also note:

– If your loved one was receiving any benefits via direct deposit, request that the bank return funds received for the month of death — and thereafter to Social Security as well.

– Do not cash any Social Security checks received by mail. Return all checks to the Social Security Administration as soon as possible.

– Surviving spouses and other family members may be eligible for a lump-sum death benefit and/or survivor’s benefits. You can visit www.ssa.gov for more information.

Prepare a comprehensive list of all of the decedent’s assets.

If applicable, be sure to put safeguards in place to protect any key property.

Make sure any mortgage payments and insurance premiums continue to be paid while the estate is being settled.

Regarding the decedent’s place of work, be sure to:

– Request to receive their belongings.

– Inquire about collecting any salary, vacation or sick pay owed.

– Ask about continuing health insurance coverage and potential survivor’s benefits for their spouse and/or children.

– Review all employer, union, or association death benefits details. Be aware of the fact that if the death was work-related, the decedent’s estate or beneficiaries may be entitled to workers compensation benefits.

Contact the decedent’s past employers regarding any pension plans, survivor benefits, as well as any other forms of defined benefit or defined contribution retirement savings plans.

If the decedent was a military veteran, inquire about any potential eligibility for burial and memorial benefits. This can be accomplished by contacting the Department of Veterans Affairs by either calling (800) 827-1000 or visiting their website www.va.gov.

Contact any IRA custodians, trustees, and guardians. Be sure to review and confirm all of the IRA beneficiary designations, as well as understand all of the IRA distribution options.

Locate and review all life and funeral insurance policies, which could include individual insurance, group life insurance, mortgage insurance, auto credit life insurance, accidental death and dismemberment, credit card insurance and annuities.

Contact each insurance company to find out the necessary procedures and documents needed to file claims.

Promptly contact all credit card companies to notify them of the death and, assuming there are no other names associated, cancel all credit cards.

Retitle all jointly held assets such as bank accounts, automobiles, stocks and bonds and real estate into the surviving parties’ name. If the decedent was an owner, principal, or had a controlling interest in a business, review all corporate documents and details. Be sure to check to see if there are any additional business agreements such as a buy-sell agreements, split-dollar agreement, etc.

Tasks to Be Completed Within 9 Months:

If the decedent created a Last Will or Living Trust, be sure to file these documents with the appropriate probate court. If there was any real estate owned out of his or her state of domicile, be sure to file ancillary probate in that state also.

If the decedent did not leave behind a Last Will or Living Trust, contact the probate ask the court or a probate attorney for instructions and assistance.

With regards to any of the decedent’s creditors, be sure to notify them by mail as well as by placing a notice in the local newspaper. Any debtor’s claims must be made within the statute of limitations. Although this varies from state to state, the standard time is usually 30 days from actual notice. Once a claim has been made, be sure to insist upon proof of all claims.

With regards to estate taxes, you may be required to file a federal estate tax return within 9 months of the date of death. Due to the fact that state laws vary, there is the possibility that state estate tax and/or inheritance tax returns may need to be filed. Federal and state income taxes are due for the year of death on the normal filing date, unless an extension is requested. Should there be any existing Trusts in place at the date of death, a separate income tax return may need to be filed. It is highly recommended that all financial professionals and their families seek the advice of seasoned tax and estate planning professionals.

Tasks to Be Completed Within 9 to 12 Months

One of the most important tasks, which can often be overlooked or postponed, is to update your own estate plan — or your client or prospective client’s estate plan — if someone was a beneficiary or appointed as an agent, trustee or guardian.

Along the same lines, it is also extremely important to revise and update all beneficiary designations on the decedent’s or surviving parties retirement plans. This includes accounts such as IRAs, Transfer-on-Death (TOD) or Payable-on-Death (POD) accounts, pension plans, life insurance policies, annuities and any other accounts on which the decedent was named as a beneficiary.

Review the impact of the “big picture” financial situation, which includes changes in the household income, expenses, budget, as well as short and long-term goals and objectives.

Review the families insurance needs, including the insurance amounts, types, beneficiary designations and most importantly, any needs for insurance.

Reevaluate whether or not the existing investment options still make sense. This includes reviewing details such as existing asset allocation, goals and objectives, risk tolerances, income and estate taxes, income distribution and legacy planning.

Other Key Considerations

Although this is a matter that most families and loved ones wish to complete and have behind them, take your time and do not try to rush the settlement of a loved one’s estate. When it comes to estate planning and distribution, there are many important decisions that must be made in compliance with the Last Will or Living Trust and applicable state and federal laws. This is exactly why it is so important to seek the help and advice of an experienced estate planning attorney.

If your client, prospective client or loved one did not leave behind any End of Life plan with regards to their final plans and preferences, you can visit www.funeralresources.com and www.memorialtechnology.com. These are family-focused resource centers that contains the large majority of information most families seek help for when it comes to funerals, burials, memorial services, End of Life Planning and much more.

Christopher P. Hill, Founder

By funeraladmin|October 21st, 2012|Categories: Death, Death Checklist, Funeral Flowers, Funeral Insurance, Funeral Planning Checklist, Grief and Loss, Last Will, living trust, Memorial Services, plan a funeral, vital statistics|Tags: death checklist, end of life, Funeral Costs, funeral flowers, funeral insurance, Grief and Loss, last will, living trust, Memorial Services, plan a funeral, vital statistics|Comments Off

End of Life and Funeral Insurance

Everything You Need to Know About
Funeral Insurance

The Average Cost of a Funeral is $10,000 (AARP.org)

10 Important Things to Know About
Funeral or Burial Insurance:

1.) NO medical exam required
2.) Premiums NEVER increase
3.) Accumulates CASH value
4.) Insurance NEVER decreases
5.) EASY to obtain up to age 80
6.) Protection is GUARANTEED
7.) Prepays ALL funeral costs
8.) Prepay any expenses or debts
9.) Your beneficiary can ALWAYS be changed
10.) QUICK coverage ranges from $2,500 to $50,000

Additional Helpful Resources:

3 Most Common Ways to Plan a Funeral

How to Prepay Funeral Expenses

Key Burial Insurance Details

Top 10 End of Life Plan Benefits

By funeraladmin|January 3rd, 2012|Categories: average funeral costs, Blog, burial insurance, end of life, Funeral Costs, Funeral Insurance, Funeral Memorial Services, Pre Need, prepay funeral costs, prepay funeral expenses, preplan funeral|Tags: burial insurance, end of life, final expense, Funeral Costs, funeral insurance, funeral trusts, Pre Need, prepay funeral expenses|Comments Off

MemorialTechnology.com Offers Families and Funeral Industry New Ways to Memorialize Loved Ones

Vienna, VA – The beginning of a New Year is always special for those who have lost loved ones, as well as the funeral and cemetery industries. However, 2012 is going to be particularly special because families can now take advantage of some of today’s new and innovative memorial technology and memorial services options.

Christopher P. Hill, Founder of FuneralResources.com, recalls “When my family and I lost my mother on Thanksgiving Day, we never knew these new memorial options existed. I can assure you we would have used at least three of these memorial tools.”

Hill’s personal loss inspired him to create www.memorialtechnology.com, a new educational website which simply makes it easier for families and Funeral Directors to raise awareness, education, and access to these new ways to better heal and remember.

MemorialTechnology.com particularly helps the funeral and cemetery industry by offering Funeral and Cemetery Directors a quick and easy way to educate every family on excellent additions to their funeral and memorial services planning.

Top Six New Funeral and Memorial Technology Options

MemorialTechnology.com contains six options that studies show most families are choosing to add to their funeral, memorial, or cremation planning:

1. New Gravestone Technology – Amazing way to see much more than a name and date
2. Video Tribute – A very powerful combination of video, pictures, and funeral music
3. Funeral Webcasting – Allows families to “attend” a memorial service “live” online
4. Memorial Diamond – Customized Genuine Diamonds for family heirlooms
5. Memorial Reefs – Green Burials at sea offer an underwater living legacy
6. Memorial Website – Personalized websites so families can share together anywhere

View This Brief Video Which Explains Today’s New Memorial Technology Options:

As we approach the New Year, Hill stated; “You will see that MemorialTechnology.com provides a true win-win situation. For the Funeral and Cemetery Directors, they can now offer even more valuable services. For the families, the can learn and maybe take advantage of ways to enhance and improved a loved one’s life tribute. I hope my mother is proud to know she inspired such a wonderful opportunity.”

FuneralResources.com is the funeral industry’s leading online Resource Center for both families and Funeral Directors. This comprehensive website offers easy access to help regarding how to plan a funeral, memorial services, and end of life plan services.

CLICK HERE to Learn More About New Memorial Technology Options

For more information or media contact, you can call (800) 379-2511, or email at info@memorialtechnology.com

By funeraladmin|December 29th, 2011|Categories: end of life, Funeral Music, Funeral Technology, Funeral Video, Funeral Webcasting, gravestone technology, Memorial Diamond, memorial diamonds, Memorial Reefs, Memorial Services, Memorial Technology, Memorial Website, plan a funeral, Video Tribute|Tags: end of life, Funeral Music, funeral songs, Funeral Technology, funeral video, Funeral Webcasting, gravestone technology, memorial diamond, Memorial Reefs, Memorial Services, Memorial Technology, memorial website, plan a funeral, Video Tribute|Comments Off

Digital Death and Estate Planning

What Happens Online When You Die?

While it’s a scary thought, the thought usually passes quickly, possibly accompanied with a new status update and a quick image change. However, there are a lot of people who have given the issue of digital death a lot more thought. This is particularly true given today’s new and innovative funeral and memorial services technology options.

Leading technologists around the world are grappling with the possibilities of what will happen to our online selves when we die. Currently there are no uniform policies across social media and online profiling sites regarding what happens when one of their users dies. As a result this raises questions about:

Privacy. Do you want anyone else accessing your Facebook or Twitter profiles and going through your emails after you’ve died? What about digital assets which are jointly held?

Access. Are you leaving behind the login details and passwords needed for a friend or family member to deactivate your accounts? Should the sites themselves automatically grant access to a deceased profile if a family member wants to close the account?

Legacy. Do you want your online self to remain ‘live’ as a legacy? Do you want friends and family to continue posting in your name? How do you want to preserve your digital estate planning online interactions, and how will that data stay relevant as file formats and technology change and develop?

Digital Death Day

While there may not be a holistic approach to what happens online when you die, there are a number of unique initiatives raising awareness and trialling new ideas and systems to make digital death easier to manage. For example, when the Digital Death Day conferences were held in North America in May 2011 this was the third time that attorneys, entrepreneurs, funeral directors, estate planners, researchers, archivists and leading thinkers gathered to have the conversation about the issues of family, privacy, digital property rights and the archiving and curating of data for anthropologists and future generations.

Digital Death Day calls itself an ‘unconference’ where all of the attendees work closely together to explore options for dealing with online profiles after death. Everyone is able to contribute and the first morning is spent creating a multi-track agenda from the feedback of all attendees, which makes for vibrant and relevant content. Digital Death Day explores the fact that while death is a part of life, what does that mean when most people’s end of life planning become largely digital?

Digital Death Resources

The conversation about what happens online when you die is of course taking place online too with blogs such as Death and Digital Legacy http://www.deathanddigitallegacy.com which covers topics such as how to download data from a deceased Facebook profile, how to make sure your online storage of posts, photos and files are really preserved electronically and whether you’d want your family to notify your friends of your death using your own Facebook profile.

John Romano and Evan Carroll have even written a book called Your Digital Afterlife http://www.yourdigitalafterlife.com which compares the legacy of photo albums, diaries and video tapes left behind by our grandparents, to the plethora of thoughts, feelings, images and memories we leave behind online. Your Digital Afterlife also discusses the issues surrounding passwords and who really owns your online content, as well as how that content can be preserved as file formats change.

Adam Ostrow takes the preservation of our online selves a step further in his speech at a TED conference http://www.thedigitalbeyond.com/2011/08/digital-legacy-presented-at-ted-global-2011. Ostrow’s speech titled After Your Final Status Update asks whether we could, or should, be putting our online profiles in the hands of evolving technology in order to live on – there are already programs which can predict your next tweet based on your past posts, so why not upload the collective of your online interactions into a robot, or project your personality as a hologram to go on interacting with your family and friends after you die?

Digital Death Used to Save Lives

The conversation around digital death is also being used to stop unnecessary deaths from HIV and AIDS in Africa and India. The Digital Death Campaign to Keep a Child Alive began on World AIDS Day, 1 December, with the world’s most followed celebrities sacrificing their digital selves. This means that the celebrities’ Facebook and Twitter profiles go silent until a donation of $1,000,000 is reached to bring their online selves back to life. Plus, you can sacrifice your own digital life and encourage your friends and family to donate to the Keep a Child Alive campaign, and bring you back to life online.

Three Facebook Users Die Every Minute

At this rate that means that there will be 1.78 million Facebook accounts in limbo in 2011 because those users hadn’t prepared for their digital death. That’s the equivalent of the population of Western Australia, and as users and status updates continue to grow exponentially, how many deceased pages will there be in 10 years, how will Facebook and the probably non-tech savvy families of these people manage this amount of digital content?

In 2011 there are over 500 million people on Facebook and that number is expected to double by the end of the year to 1 billion users. As you think about those numbers, consider the fact that around 1 billion pieces of information are shared on Facebook every day. That is a staggering amount of information that we all felt compelled to share, so if it was important enough to post, isn’t it important enough to preserve?

However, despite digital content growing so rapidly, there are no plans for a way to manage, archive and remove our digital content when we die. For example, if you die and your friends or family want to close down your Facebook account they have to fill out a form and provide a link to your obituary search. If a copy of a key vital statistics such as a Death Certificate is sent to MySpace or eBay the account will be closed however, closing one of the 20 million eHarmony accounts can only be done by using a Last Will, Living Trust, and power of attorney who even then can’t gain access to the account.

There are 100 million tweets being posted each day from the 175 million users, and Twitter will allow a family member to save a copy of your tweets if you die, but no one else will be given access to your account.

Leave a Digital Legacy? Or Have Your Digital Self Euthanized?

While you are alive you have absolute control over your online profiles and this is one of the main attractions of the medium – the fact that you can share your thoughts, your feelings, your questions and your experiences freely, with whomever you choose. As a result you are creating a rich database of yourself and your life experiences and isn’t that exactly why we put photos in photo albums, create a video tribute, keep diaries, have children and grow businesses – so we can leave something behind to be remembered by? So would you want to live on through your online self or would you rather leave the physical and the digital plane all together?

Digital Privacy

While most social media and online accounts have a policy to dictate what happens to your account when you die, there is still an overarching policy to protect your privacy when you are gone. For example, do you want your parents reading your Facebook status updates or do you want your partner reading through your private emails? Take a second to think about the contents of your inbox or the photos on your Facebook page – what digital dirty laundry would you be leaving behind if you died? However, it’s not only your own privacy that you should be protecting when you die, consider what would happen to the private messages stored in your Facebook or Twitter accounts, or emails which contain private information about friends, family, clients or colleagues. When you die, once private information is no longer bound by the terms and conditions of your friendship, but by the terms and conditions of your email provider or social network.

The various deceased policies of social media sites you may use include:

Twitter. Family and friends can notify Twitter of your death and your account will be removed. Family members can also save a backup of all of your public tweets. Twitter simply needs the name and contact details of the family or friend deactivating the deceased account and their relationship to the deceased, the username of the deceased Twitter account or a link to the profile page, and a link to a public obituary or news article. Twitter has the specific privacy@twitter.com email address for this process.

Facebook. Facebook has a feature where you can download all of your photos, videos, wall posts, notes, messages, events and friends which can be great for your records, as well as help your family manage your account after your death. Your family will need to know your username and password to access your account and archive the information and deactivate your account. However, even when a Facebook account has been deactivated, Facebook itself retains a copy of all information and there is currently no way to permanently delete a profile. Or family or friends can also complete a form and provide a link to an obituary to confirm your death and your profile will be officially memorialized. This means you won’t show up in Facebook suggestions and status updates won’t show up in the news feeds but your profile will remain as an online memorial technology.

MySpace. If MySpace are sent proof of death they will cancel a deceased user’s account.

LinkedIn. LinkedIn will also close your account if they receive confirmation of your death.

YouTube. YouTube allows your heir or power of attorney control of your account and all of the content.

Google + and Gmail. Google will provide account information to family members at their discretion.

Yahoo and Flickr. Yahoo owns Flickr and as a result both sites have a strict digital death policy, that once they receive a copy of your death certificate they will permanently delete all of your accounts and their contents so that no one but you can access them.

Hotmail. Hotmail will send a copy of all email messages which are stored on the account and the current contacts list to help your family notify your contacts of your death. Hotmail will then close the account on request.

eBay. Your family will need to fax a copy of your death certificate to eBay to close an account and all customer details are then deleted from the eBay database. eBay may also need to call to verify the account information.

PayPal. PayPal will need to view a death certificate before closing an account, and if there is money in the account a cheque will be issued in the name of the account holder.

Match.com. Match.com will block the account of a user who has died so that it is no longer visible on the site and your power of attorney will need to contact Match.com to retrieve account information.

eHarmony.com. Your eHarmony account will remain open until a family member or power of attorney contacts the site. Even then no third party will be allowed to access your account and eHarmony will close the account.

Download Our Helpful FREE Funeral Planning Checklist

By funeraladmin|December 28th, 2011|Categories: Death, Digital Estate Planning, end of life, Funeral and Memorial Technology, Last Will, living trust, Memorial Technology, Obituary Search, Online Digitial Death, Video Tribute, vital statistics|Tags: Death, digital death online, digital estate planning, end of life, last will, living trust, Memorial Technology, Obituary Search, online memorial, Video Tribute, vital statistics|Comments Off

Grave Headstone, Tombstones and Monuments Memorial

What to Put on a Grave Headstone, Monuments,

Grave Marker, or Personalized Memorial?

Losing a loved one is hard. Honoring that loved one after they are gone can be just as hard. The first step is choosing what to say on the memorial for a grave headstone, grave marker, or any other type of monuments.

What Do You Want to Say About Your Loved One?

You could mention their time served in the military or their relationships to the family. You could incorporate some of their favorite hobbies or passions. Over the years we’ve seen a lot of memorable quotes and sayings.

Here are just a few that you might use as inspiration:

“An officer and gentleman, he touched the lives of many with a hug, a smile, humor, and a generous spirit. Rest, my dear father, in God’s loving embrace.” ~ Donna Shackelford Jones

“Grieve not, nor speak of me with tears, but laugh and talk of me as if I were beside you there.” ~ Isla Paschal Richardson

“What we have once enjoyed we can never lose. All that we love deeply becomes a part of us.” ~ Helen Keller

When choosing a saying, you might ask yourself, would your loved one like this and does it reflect their impact on the world?

What are Your Options When Designing a Memorial?

Once the text is chosen, you’ll need to consider the design. There are numerous options for engraving and designing a custom headstone or marker. Elements like font size and color greatly impact the design of the memorial. If you’re working with a custom headstone designer, you’ll want to defer to them for the best font choice. Your designer will also be able to determine the best layout so everything is easy to read and well balanced.

There are also other options when choosing a custom headstone or memorial. For instance, do you want to have a vase, religious symbol, or even a picture on the monument? These questions should be brought up with your funeral director and cemetery coordinator. To keep track of these answers you might want to download the Cemetery Regulations Checklist, put together by Quiring Monuments.

Remember to keep in mind the purpose of the memorial, whether it’s a grave headstone, grave marker, cremation memorial, or any other type of personalized monuments, it should represent your lost loved one and be a place for the family to remember them fondly.

By funeraladmin|October 6th, 2011|Categories: cemetery regulations checklist, cremation memorial, Grave Headstone, Gravestone, gravestone technology, Memorial Technology, Monuments|Tags: Cemetery Regulations Checklist, cremation memorial, grave headstones, Grave Marker, grave memorial, gravestone technology, monuments, quiring monuments, tombstone|Comments Off

Funeral Estate Tax Planning

Estate and Inheritance Tax Questions to Ask

After Grieving the Death of a Loved One

When suffering from the grief and loss of a loved one, it can be the most painful and stressful time in our life. It’s important to surround our selves with close family or friends as a support system.

The experience is one that can seem like time is standing still because of the grief, but at same the time, it can be quite overwhelming and as if time were flying right past us. When someone we love passes away, there are so many details that need to be considered while grieving. That process in-and-of-itself can be painful. Funeral arrangements, memorial services, obtaining death certificates, and legal matters are all part of the details involved in losing a loved one.

Things like inheritance and estate tax issues don’t need to be addressed immediately. Focusing on our friends and family are obviously more important. But eventually the details will need our attention.

Helpful Considerations When Facing a Loss:

Is Life Insurance Taxable?

While life insurance proceeds are included in the estate, they are not taxable (as income) to beneficiaries. However, you should contact the life insurance company to understand the procedure to cashing in their policy. Typically insurance companies will require a claim form and death certificate. But generally, life insurance is not taxable to inheritors. (Click to learn more about burial insurance and/or funeral insurance)

What is My Inheritance Tax Rate?

Inheritance tax will vary from state-to-state. Typically if the value of the estate that’s being inherited is high in value, your tax rate will be higher as well.

For example, tax preparers in Indianapolis, Indiana will tell you that Indiana’s inheritance tax system breaks the heirs or inheritors into three classes or groups. Systems in Pennsylvania are very different. For Indiana, each group has different rate schedules and exemptions. Here’s how this looks according to the Indiana Department of Revenue:

• Class A – direct ancestor or descendant, stepchildren, direct descendant of a stepchild: $100,000 exemption.
• Class B – siblings, descendants of sibling, spouse, widow or widower of your child: $500 exemption
• Class C – anyone else excluding spouse: $100 exemption

Are Bank Accounts Taxable?

Revenue-producing assets like bank accounts and stacks are not taxable upon inheriting them. However, the income that these assets generate is taxable to the recipient.

What About Pensions and IRA’s

A person inheriting a pension or IRA is required to pay taxes on the amount received, as the decedent (person who is deceased) would have during their life. An IRA or similar fund can be rolled over tax-free into the beneficiary’s name and treat it as their own.

While things like estate and inheritance tax is, by no means, the most important item to address when we suffer the loss of a loved one, it is important to understand what is and is not taxable during these times. Estate and inheritance taxes can be burdensome and stressful, but in some cases, an inheritance is not taxable to you.

Estate lawyers are available to help guide us during times of funeral estate planning, but they can often be costly. Check with your tax preparer or attorney handling the estate as to what you need to know when sorting out inheritance and estate issues.

By funeraladmin|October 5th, 2011|Categories: burial insurance, Death, estate plan, estate tax, Funeral Estate Planning, funeral estate tax planning, Funeral Insurance, Grief and Loss, memorial service|Tags: burial insurance, Death, fiscal tax, Funeral Estate Planning, funeral insurance, Grief and Loss, Memorial Services|Comments Off

Tribute Video

Four Reasons to Offer DVD Tribute Videos to Families

DVD tribute videos are becoming a popular way to memorialize a loved one who has passed. Client families want to include a video tribute as part of the funeral or memorial services. They also wish to have these memorial tributes created so that they can watch them after the services are over as they work through their grief.

Client families are seeking out companies via the internet or are attempting to create these tribute videos themselves. Often their funeral professional has not made the service available to them. If your funeral home is not currently offering DVD tribute videos, here are four compelling reasons to rethink that choice:

1. Tribute Videos Fill a Need

Tribute videos help a client family tell the story of their loved ones life and relive cherished memories. They allow families to leave a legacy and connect generations by preserving memories and events. More and more client families are tech savvy and have seen tribute videos online or at a funeral service. While many would like to have a DVD tribute video created for their loved one, and may know how to make one themselves, during this stressful time they need someone to take the reins, relieve the burden and offer the service. Providing a world class professional tribute, one that far exceeds the quality of a homemade version, will ingrain you and your funeral home in their lives each and every time they watch the DVD tribute video.

2. Tribute Videos Are Easy to Create

Outsourcing a tribute video can be a nightmare to coordinate and to find a trustworthy company that won’t let you down. Thankfully, in-house funeral software has come a long way. Tribute video software has been developed that allows a funeral professional to create a professional, high quality tribute video in-house in just three simple steps. You simply import the photos, edit the copy, music, top funeral music, and motion effects, and burn the completed video to a DVD. The menu driven application guides you through the entire process. In minutes you’ll have created a stunning tribute video that will amaze the families you serve. Plus, the online tribute player allows you to upload your video to the web and link it to your website. Client families can direct friends and families to your website to view the tribute video.

3. Tribute Video Software Features Cutting Edge Memorial Technology

The quality of a DVD tribute video created in-house by a funeral professional utilizing today’s robust funeral software is unmatched. With the invention of high speed scanning technology, funeral professionals and funeral home services can now scan one photo every two seconds making the creation process a breeze. At the click of a button, innovative tribute video software can also bring life to each photo with motion effects, set transitions, sync funeral music, and create a stunning DVD menu. Every day, thousands of funeral home professionals rely on tribute video funeral software because of the state-of-the art memorial technology it provides and the results it delivers.

4. Tribute Videos Are a Value Added Service

Tribute video software has been designed specifically for the funeral industry. Because of this, for funeral professionals, creating an in-house tribute video is simple and affordable. Tribute video software available today has no long term contracts, no upfront costs, no equipment to buy and no support fees required. With a simple pay as you go system, you can create an unlimited number of professional quality video tributes in house quickly and easily. The quality is competitive with professional video tribute services, yet costs you and the family a fraction of the price. And, the value added service you are providing is priceless.

Learn More About the Top 6 Memorial Technology Options

This article was contributed by Frazer Consultants. This company has a solid reputation of developing high performing and reliable technology for the death care industry.

By funeraladmin|September 20th, 2011|Categories: dvd video tribute, funeral dvd video tribute, Funeral Home Services, Funeral Music, Funeral Video, Memorial Services, Memorial Technology, top funeral music, tribute video, Video Tribute|Tags: Funeral Home Services, Funeral Memorial Services, Funeral Music, Memorial Services, Memorial Technology, top funeral music, tribute video, Tribute Videos, Video Tribute|Comments Off

Consider Funeral and Death Donations

Afterward…

Dividing and Donating Your Loved One’s Estate

A Guest Blogger Shares His Personal Story:

When my grandmother passed away, my mother was named as executor of her funeral estate planning and was left with a house full of memories and possessions to distribute. After she and her siblings divided those belongings that they wanted, there were still many items left. My mother didn’t feel right selling these things, so she donated everything, in order to help others in need.

Clothing and Shoes

Clothing items can be donated to second-hand stores, homeless shelters, or battered women’s shelters. There are often used clothing drives in the fall and winter, and coats, gloves/mittens, scarves and boots are especially important donations during this time.

Bedding

If these items are in good condition, homeless shelters will put them to use, especially in the winter months. Additionally, hospices can always use quality donations in order to make their patients as comfortable as possible in their final days.

Books, Videos and CDs

With budget cuts, many schools and libraries are unable to buy new materials as often as they would like, which negatively impacts their students and patrons. By donating to these establishments, you are helping your community and aiding in the education of others.

Dishes, Silverware, and Food-Related Utensils

Homeless shelters that cater to families are often divided into small apartments, complete with kitchens. By donating to these organizations, you can help a family sit down to a home cooked meal, thus providing stability during a difficult time.

Knick-Knacks, Artwork, and the Like

These are often tricky to donate, as many are personal mementos or are considered clutter by others. Residents of nursing homes, and those suffering from a terminal illness, can often live in drab surroundings. Therefore, items such as these can brighten their rooms and bring smiles to their faces.

Furniture

Craig’s List is a great place to find people in need of free furniture. When posting, be sure to include a photo, and request that prospective owners pick up the furniture. Be cautious when using sites such as these, though, and use common sense when allowing strangers into your home.

Used Medical Equipment

It is not uncommon to have used medical equipment left after a loved one’s death, especially in the case of a prolonged illness or severe injury. When left with a wheelchair, walker, shower chair, or other equipment, find an area hospice in need of your items. These are often nonprofit, and can always use quality donations.

The death of a loved one can be a devastating time. The last thing you want to worry about is what to do with their possessions once they are gone.

However, with a little thought and end of life planning, you can make this a relatively painless process, and one that can be handled quickly and efficiently, so you can begin to move past your tragedy and start the grief and loss and healing process.

Courtesy of Joseph Baker

By funeraladmin|September 12th, 2011|Categories: Death, death donations, end of life, funeral donations, Funeral Estate Planning, Grief and Loss, plan a funeral, terminal illness|Tags: Death, death donations, end of life, end of life planning, Funeral Estate Planning, Grief and Loss, plan a funeral, terminal illness|Comments Off

Four Key Guides to End of Life Planning

Our Personal Gift to You and Your Loved Ones…

4 FREE Guides to Creating a Smart End of Life Plan

(Note: You can download, print, or save each guide below at NO COST)

Please Watch This Brief Video About Creating Your End of Life Plan:

1. Completing Your Family Record Guide:

• Benefits of keeping all of your financial affairs in one place

• A complete list of key matters to have readily available

• Who can access and how often to update this information

2. Guide to Knowing Your 3 Best Options to Pre-Pay Funeral Expenses:

• Pre Need Plan – How this plan works, who it fits, pros and cons

• Final Expense Plan – How this plan works, who it fits, pros and cons

• Cemetery Pre-Purchase Kit – Burial Versus Funeral Pre-Planning

3. Guide to Choosing a Will Versus a Trust:

• The importance of creating an estate plan and how to start

• Easy-to-understand difference between a Last Will versus Living Trust

• Helpful ways to determine which is one is best for you

4. Guide to Creating a Love Drawer:

• Benefits of keeping all of your financial affairs in one place

• A complete list of key end of life matters to have readily available

• Who can access and how often to update this information

See Exactly Why a “Love Drawer” is So Valuable For EVERY Family:

Download Our Helpful FREE Funeral Planning Checklist

By funeraladmin|February 24th, 2011|Categories: end of life, family record guide, final expense, Funeral Planning Checklist, Last Will, living trust, Love Drawer, plan a funeral, pre need plan, preplan funeral|Tags: end of life, family record guide, final expense, funeral planning checklist, last will, living trust, Love Drawer, Pre Need, preplan a funeral|Comments Off

How to Prepay Your Funeral Expenses…
And Why?

According to AARP (www.aarp.org), the average cost of a funeral today is approximately $10,000. So by preplanning a funeral and creating an end of life plan, your are certainly doing a wonderful thing by helping to alleviate many of the funeral planning challenges.

Therefore, over 60% of people who are willing to selflessly take the time to create an End of Life Plan will also choose to prepay their funeral expenses. By taking care of your funeral costs and expenses in advance, this is yet another added value. Prepaying your funeral costs is another way of leaving behind a memory of how much you cared for your family and loved ones, rather than leaving them to deal with these financial challenges.

While you need to learn and understand the three most common ways to preplan a funeral, you should also be familiar with the various ways of prepaying your funeral expenses, since this is one of the fastest growing and widely-accepted aspects of the funeral planning process.

Similar to preplanning your funeral, most financial professionals agree that prepaying your funeral expenses should be a standard topic of discussion when creating a financial plan and estate plan.

The most common and widely used strategies to prepay your funeral expenses are savings, life insurance, and funeral insurance (also referred to as burial insurance), mainly because they tend to be deemed the most reliable and readily available. However, there are several other finance advice strategies to consider when prepaying your funeral costs or expenses:

Savings

Although many people choose to set aside savings to pay for their end of life plan and funeral expenses, there are several reasons this does not always end up working out as originally planned. First, the savings can be depleted based on unexpected financial circumstances, such as health or financial issues. Second, these funds are not always readily available and liquid upon death due to the challenges and restrictions often found in estate planning. Third, the funds set aside can often be insufficient due to inflation and the rising cost of funeral expenses. Finally, it should be noted that savings are included in a part of one’s estate, and, thus, the taxable consequences can often come into play.

Life Insurance

Term Life Insurance is widely considered to be a flexible, simple, and affordable way to pay for your final funeral expenses. Although Term Life Insurance has a set term, or set number of years, it also has multiple uses in prepaying for your funeral. Because upon your death it becomes a liquid asset that is usually not part of your estate, it can be used for many things such as your funeral or memorial services, burial expenses, cremation, liquidity, and many other things, including debts or obligations.

In addition, there are some types of life insurance that allow the funds contributed to these policies (either in lump sum, monthly, quarterly, semi-annually, or annually) to grow and accumulate as a cash value that can be accessed if necessary. Therefore, these policies can not only be used for funeral expenses, but also for other financial planning options that may arise such as financial emergencies, and college.

Funeral Insurance

Funeral insurance is an insurance policy which is specifically designed to cover any costs or expenses which are directly related to your funeral. If you purchase one of these policies, one of the options you have is to determine exactly which funeral costs or expenses are to be covered, such as funeral flowers, burial plot, grave marker, and much more. Another option you have is for the policy to be paid out in a single lump-sum, which can be used to cover your pre-determined costs or expenses, or simply help your loved ones financially as they plan for you. There are many insurance companies that offer funeral planning packages, and certain funeral homes or funeral companies also offer funeral insurance policies.

Pre Need Trust Agreements

Another alternative to prepaying your funeral is to consider a Pre Need Trust Agreement to pay for your costs or expenses. Generally speaking, these Trust accounts are typically funded with monthly payments that are invested in a fund which is designed to grow over time. Although a Trust account is designed to provide the potential for protection against inflation, it is not guaranteed to do so.

Get Help

Although the large majority of the funeral industry will tell you that most funeral costs can range anywhere from $5,000 – $10,000, it is very common for funerals to cost much more or maybe even less.

Also, as with any important financial decision or investment, there are many advantages and disadvantages to each of the options mentioned above. Before choosing a policy, it is important to consider many things, including but not limited to your age, health, financial status, objectives, liquid assets, tax issues, estate tax issues, family needs, etc.

In summary, although nobody likes to think or talk about dying, it is one of the facts of life we all must eventually face. If you are trying to build a successful financial plan, the only way you can be sure your plan works smoothly and efficiently is to be proactive about your planning process. This is particularly true and necessary when creating a proper plan of succession, and everyone should consider including an end of life plan.

Please consult with your attorney or financial advisor before applying or purchasing any of these policies, pay close attention to your specific state requirements, and also the financial strength and claims paying abilities of each company, funeral home, etc.

Download Our 4 FREE Guides to Creating a Smart End of Life Plan

By funeraladmin|January 22nd, 2011|Categories: burial insurance, caskets, end of life, Funeral Costs, Funeral Estate Planning, funeral expenses, Funeral Flowers, Funeral Insurance, pre need plan, prepay funeral expenses, preplan funeral|Tags: burial insurance, caskets, end of life, Funeral Costs, funeral expenses, funeral flowers, funeral insurance, Pre Need, prepay funeral expenses, preplan a funeral|Comments Off

Who Really Needs an End of Life Plan?

See Exactly Why This Makes Sense…From the Heart

The sad truth is that the financial planning industry largely overlooks the fact that creating an End of Life Plan needs to be a part of a sound comprehensive financial plan. To prove my point, as a Financial Advisor for nearly 25 years, I have never been trained or educated on how to help my clients prepare their end of life plans and preferences. Furthermore, I have also never been trained or educated on how to help my clients deal with the funeral planning process after a loved one has passed.

See For Yourself Why This Makes Sense:

The Missing Piece of the Financial Planning Puzzle

The reality is that a client should logically turn to their Financial Advisor for anything that has to do with not only their money, but also the best interests of their family. This involves a detailed review and analysis of things like insurance, investments, estate planning details (How to Choose a Last Will or Living Trust), minimizing or eliminating taxes, college planning, mortgages, and so on.

The key point here is that as Financial Advisors, arguably the most important role we play is helping protect families against unexpected events that can cause major financial or emotional challenges…and possibly irreparable damages or losses.

Most Financial Advisors typically protect their clients by implementing traditional financial products and strategies such as life insurance or creating a Last Will or Living Trust with Estate Attorneys. They also recommend and promote important insurance policies which are designed to protect against specific losses, such as disability insurance, long-term care insurance, annuities, car and home insurance, and many other options. These recommendations can vary, since of course, each family’s situation is usually unique and different.

To be honest, I considered myself to be extremely well-versed in how to protect my clients, as well as my own family, against unexpected events. However, everything changed on Thanksgiving Day of 2008 when I lost a close loved one and had to go through this experience personally.

Very Few Families Know “What to Do Next”

Losing a close loved one is, by far, one the most difficult experiences anyone can face in their lifetime. I remember feeling so disappointed as we went through this experience…thinking that since I was a Financial Advisor, I should know better. However, the enormity of the situation really hit me when I realized that I was never trained or educated on how to plan and prepare my clients for this particular situation. I am almost ashamed to admit, I was totally unprepared.

I can remember looking at my family, and without saying a single word, you could tell we were are searching for the same answers to “what happens next”? Sadly, these are the questions that most families are forced to deal with every day when they lose a loved one, such as:

1. What do we do now?

2. Who can we turn to for credible help and advice?

3. How do we get started?

What Could I Have Done Differently?

As I look back, I remember how comforting and gratifying it was to see our family come together and accomplish so many things in such a short period of time. At the same time, I also remember feeling frustrated because we lacked the knowledge on how to deal with many of these challenges, and we also had not idea where to turn to for the help and answers we needed.

After experiencing all of the emotional ups and downs, the funeral planning challenges, planning all of the memorial service details, and even working out things like; how to write a funeral eulogy, choosing funeral flowers versus donations, and choosing among the many cremation urns, I can honestly tell you that planning a funeral is overwhelming.

May I Offer Some Valuable Advice?

So after all of this, here is what I think so many people need to hear. Consider these facts:

1. There is nothing more difficult than the loss of a loved one
2. Planning a funeral and memorial service is an overwhelming process
3. The large majority of families are uneducated on the many details involved in this process
4. Very few families are left with any end of life plans – telling them “what to do next”

The truth is it really doesn’t have to be this way. Yes, we are talking about death and dying. No, it is not fun, and not something we like to even think about. However, the harsh reality is that some day we will all die. So when you break it down to these simple facts, you are left with two choices:

1. Do nothing – and let your family add insult to injury
2. Plan in advance – and minimize or eliminate some of the burden you will leave behind

What is the Key Message Here?

Again, I fully understand that nobody likes to talk about death, dying, or end of life planning. However, we have to face and accept the fact that not are we going to die some day, but it could happen much sooner than anyone ever expected.

So my sincere hope is that I can encourage anyone who is reading this…every son, daughter, spouse, grandchild, or loved one…to have this discussion with your family. And since nobody knows what the future might bring, have this talk sooner versus later.

There is no such thing as preparing your End of Life Plan too soon. On the contrary, the worst thing you can do is take the attitude of “I don’t need to do this now, that won’t happen to me, or, I can do this later“. As the old adage goes;

“By Failing to Plan…You are Planning to Fail.”

You Can’t Go Wrong:

By creating an end of life plan in advance, here are a few of the meaningful benefits you will experience from this selfless act of love:

1. Peace of mind – You will sleep better at night knowing that you have completed this all-important plan, and that your family and loved ones will be forever grateful. This is the true definition of a win-win situation.

2. You control how you will be remembered – Knowing this will be a time of great loss for your loved ones, you will be remembered for showing how much you cared by sacrificing the time to do something very special, and easing the burden when it is needed the most.

After going through something like this helps you realize that every day is truly a gift. I guess that is exactly why they call it “the present“. So please, take advantage of “the present” you are given today and build a plan that allows your loved ones to celebrate your life, and focus on how grateful they are today…and will be after you are gone…for all of the great memories they were able to share with you.

Get Started Today – Your First Easy Step:

I would like to personally congratulate you, in advance, for taking the first step towards creating a smart End of Life plan for you, your family, and all of your loved ones!

The first step to getting started is clicking on this link below to access our:

Four Key End of Life Planning Guides

(Note: There’s NO COST to download, save, or print these four guides)

Christopher P. Hill, Founder
FuneralResources.com

By funeraladmin|January 21st, 2011|Categories: cremation urns, end of life, family record guide, funeral eulogy, Funeral Flowers, funeral planning challenges, Last Will, living trust|Tags: cremation urns, end of life, family record guide, funeral eulogy, funeral flowers, funeral planning challenges, last will, living trust|Comments Off

Custom Funeral Music

The Powerful Combination of Custom Crafted Funeral Music, Pictures, and Professional Video

Creating a Healing Thanksgiving Family Keepsake

With the rapid growth in the Internet and new funeral technology, families today have access to many new and innovative tools that can help significantly increase their funeral and memorial planning experience. At the top of this list are DVD Video Tributes, which most families are choosing as a common addition to their loved ones memorial service.

In addition, I am happy tell everyone there is also the ability to work with a professional singer/songwriter/producer who can help families create “custom crafted” funeral music, which is a song that is personalized for either a special loved one and/or a special event.

Listen to this Beautiful Custom Crafted Song:

“Since my family never knew this powerful funeral technology existed, I strongly encourage every family to learn more about this option as a great addition to a Memorial Service. These professionally designed Video Tributes allow you to combine the personalized music, photos, and message of your choice. Watching this together with loved ones, this provides a great opportunity for everyone to celebrate, remember, and heal…and ultimately becomes a treasured family heirloom to keep forever.”
Christopher P. Hill, Founder, FuneralResources.com

Consider Using Custom Crafted Songs to Help Heal and Remember

If you are interested in selecting funeral songs with meaningful lyrics it may be easy to use the internet to search and read lyrics of popular songs. However, I believe a much better and more personal solution is to opt for a more customized music selection and have a song written and recorded to play at the funeral service or memorial service.

This DVD Video Tribute below contains a customized song that was created for me by Anna Huckabee of Custom Crafted Songs. By taking advantage of creating a custom crafted song, this helped me to express how I truly felt about my mother, but in a very special and meaningful way.

By combining these personalized lyrics that Anna helped me create with a DVD Video Tribute, this helped me in so many ways. First, it helped me to better see what a wonderful and amazing person she really was. Second, since Anna needed to ask many questions to know as much as possible about her, this helped me to express my thoughts and discuss some things that significantly helped in my healing process. But most importantly, this custom crafted song allowed me to express some feelings and emotions that I was not able to say to her before she passed. These words are things that I regret every day not telling her before she was taken above.

My mother passed on Thanksgiving Day of 2008, which clearly means that Thanksgiving will never be the same. But since everyone who knew her would tell you she was one of the most giving people on the planet, I truly thank Anna for creating this personal song and tribute for my mother, and fittingly calling this beautiful song “Thanks For Giving“.

Thanks for your giving ways too Anna!

Memorial Technology

Six Memorial Technology Options Helping to Share, Celebrate, Heal, and Remember!

Today, many new and innovative memorial technology tools that are widely-recognized in the funeral industry as common services that help make a difficult situation a little easier. New memorial technology is helping families and friends who have lost a one heal, remember, and celebrate. Below are the most common new memorial technology tools that most families are choosing:

1. Memorial Website

A Memorial Website is a personalized website that is created to celebrate a person’s life. Friends and family can grieve and celebrate the memories of a loved one by sharing stories, kind thoughts, condolences, photos, and videos online. These online memorial tributes can be kept online for life so that friends and family can view the wonderful memories year after year and additional content can be added at any time.

2. Video Tribute

See a Sample DVD Video Here:

In its simplest definition, a Video Tribute is a professionally crafted video production which consists of digital images, video, and/or photos of your loved one, which are then combined and played simultaneously with the music or your choice. They can serve as an excellent presentation to complement your special funeral memorial service, and are a great way to help in the grief and healing process. A Video Tribute helps tell the story of your loved ones life, and also creates a family heirloom that can be treasured and kept for years to come.

3. Memorial Diamonds

Created from a lock of hair or small amount of cremated ashes, memorial diamonds are an unique, heirloom memorial that will forever contain the essence of your loved one. These genuine, certified diamonds are created in a laboratory using your loved ones personal carbon and a diamond seed. By mimicking the earth’s natural high pressure, high temperatures necessary to create a diamond, in 70 days or less a personal diamond will emerge in one of the five brilliant colors you have selected. These memorial diamonds can be a stunning reminder of a loved ones life and unique spirit. Set into a beautiful piece of cremation jewelry, a memorial diamond can be worn close to the heart in a pendant, or into a memorial ring, bracelet or even earrings.

4. Gravestone Technology

Due to advances in microchip technology, your family can now include detailed text and a photo within a headstone to create a high tech, high end memorial. RFID-enabled data tags are an addition to a loved one’s tomb stone – you can enter the person’s name and choose some representative symbols, perhaps a small epitaph via the web – then you embed the tag into a larger traditional tombstone.

This new technology will allow future generations, visitors and historians to access both a story and genealogical information about the deceased from an internet enabled cell phone while at the markers physical location.

5. Funeral Webcasting

See the Many Features and Benefits of Funeral Webcasting Here:

For a wide variety of reasons, family members and friends are often unable to travel or attend the actual funeral service of a loved one. Using this innovative memorial technology, families and loved ones can now view the actual LIVE Memorial Service from the comfort of their own home, or whatever location is most convenient. Funeral Webcasting can be viewed on a private and secure website page by using password protection. This ensures that ONLY the people you wish to join in this Memorial Service can participate LIVE.

6. Memorial Reefs

A memorial reef is an environmentally-friendly burial option that is being used to replace the more traditional green burials and cremation ideas, such as cremation urns or ash scattering. The process includes mixing a loved ones remains into an environmentally safe concrete mixture and create a personalized memorial reef. These memorial reefs are then placed into the ocean. This combination of new memorial technology, cremation, memorial reefs, and green burials can now offer families to provide their loved ones with a living legacy at sea.

By funeraladmin|November 9th, 2010|Categories: Funeral Planning, Funeral Technology, Funeral Webcasting, Memorial Diamond, memorial diamonds, Memorial Reefs, Memorial Technology, Memorial Website, plan a funeral, Video Tribute|Tags: Funeral Technology, Funeral Webcasting, gravestone technology, memorial diamond, Memorial Diamonds, Memorial Reefs, Memorial Technology, memorial website, Video Tribute|Comments Off

End of Life Planning

Five Tips for Finding a Quality Home Care Provider

You and your family have decided that it is time to bring in outside help to assist with the care of a loved one in need. Because you want them to be able to remain safe, comfortable and independent in their own home for as long as possible, you have chosen to hire an in-home caregiver or home healthcare agency. The next step is choosing the best care provider for you and your loved one. But how do you know who the best is?

Here are five tips for finding a quality home care provider:

1. Get recommendations. Talk to trusted professionals and community members. Your parent’s doctor, financial advisor, attorney, other medical providers, friends or family members may have familiarity and experience with local companies that do a good job. A list of providers is also available from your local Area Agency on Aging or hospital social work department. However, it is rare for these resources to make specific recommendations.

2. Know your liability. Understand the possible liabilities and ramifications involved when hiring a caregiver privately. Consider issues such as taxes, insurance, liability and worker’s compensation, backup coverage, background checks/oversight and training. If hiring through a nurse registry or employment agency, the family may end up being the official employer, responsible for pay, taxes and other obligations. On the other end of the spectrum, fully licensed private duty home health agencies offer more comprehensive services and protections as employers of the caregivers.

3. Consider innovation. Research how current their monitoring and communications technology is. How easy is it to monitor the care your loved one is receiving? Can you speak to the caregiver or management at any time?

4. Get to know who you’re hiring. When talking with an agency, get a feel for their process. Will they allow you and your loved one to interview potential caregivers? How do they handle replacing a caregiver that is not a good fit? What steps do they take to ensure coverage and accountability? How do they supervise, train and support staff? Do they strive for continuity or will your loved one have different staff each time? How many caregivers will cover the shifts your loved one requires? While regulations standardize licensed home care agencies to a degree, these are the things that will set one agency apart from another.

5. Research involvement. Seek out providers who have a history in the community and the industry. Check if providers are involved with local and national associations such as the Alzheimer’s Association, the Area Agency on Aging and the National Private Duty Association. Their involvement demonstrates passion and dedication for their field. Management staff that has a history in the community and the profession demonstrates a commitment, stability and a positive reputation that they would want to protect.

With many years of advocating for the rights of seniors and their families in Pinellas County Florida, EasyLiving, Inc., a fully licensed, private duty home healthcare company, has dedicated its company to offering clients more personalized service, flexible scheduling and reliable, expert caregivers. EasyLiving caregivers undergo an extensive interview process to ensure that they maintain fully qualified and licensed team members. Every caregiver has completed a criminal background check and drug screening, and are insured, bonded and covered under worker’s compensation to ensure that our clients receive the highest quality service from trustworthy, experienced professionals. EasyLiving provides paid training as well as all continuing education requirements to its caregivers annually, enabling them to improve their expertise and service. For more information, visit EasyLivingFl.com.

About the authors: Alex Chamberlain is executive director at EasyLiving, Inc., a fully licensed, private duty home health care company serving individuals and families in Pinellas and Pasco counties in Florida. With a strong background of academic and practical experience in sales, marketing, administration and leadership, Alex handles overall company operations, strategic planning and overseeing staff. He serves on the boards of a number of local non-profit organizations and was named a 2009 Tampa Bay Business Journal “Up and Comer.”

Shannon Martin, M.S.W., CMC, has served as director of community relations at Aging Wisely, LLC, a comprehensive care management and consultation company in Clearwater, Fla, over 8 years. Shannon provides marketing and public relations support to EasyLiving, Inc. Prior to Aging Wisely, Shannon served as social services director and admissions coordinator in an assisted living/skilled nursing facility and worked as a social worker and volunteer coordinator for a large hospice in Atlanta, Ga.

For additional information on EasyLiving, Inc. contact Shannon or Alex at 727-448-0900 or Admin@easylivingfl.com.

By funeraladmin|September 3rd, 2010|Categories: care giver, end of life, Grief and Loss, home care|Tags: caregiver, End-of-Life Plan, Grief and Loss, home care|Comments Off

Estate Planning

10 Most Common Questions Families Ask About Estate Planning, Last Wills, and Living Trusts

1. What is a Will?
A Last Will is signed writing in which a person (often referred to as the “testator”) directs what is to be done with his or her property after death. Each state has its own very specific laws as to what is necessary for a Last Will to be valid in that state.

2. Who Can Create a Will?
Any mentally competent person who is at least 18 years old may make a Last Will. However, later proof of any fraud, duress, or undue influence by another person or the testator may cause the Last Will to be invalid.

3. Who Should Have a Will…and Why?
Every mentally competent adult should have a Last Will. Here are a few of the reasons:
• You can direct how you want your property divided at your death.
• You can name the person you want to handle you estate (called the “executor” or “personal representative”).
• You can reduce the expenses of administering your estate.
• You can save taxes.
• You can nominate a guardian for your minor children.
• You may provide for a trust for the support and education of your children without the necessity of costly court proceedings.

4. Does a Will Need to Be Witnessed? Does a Will Need to Be Notarized?
Generally, most states require that the signing of a Last Will must be witnessed by two competent persons, who also must sign the Last Will in front of the testator. (An exception to the witness requirement is made if the testator writes out the entire Last Will in his or her own handwriting, and signs and dates it.)

Although the law does not require a Last Will to be notarized, it is a highly recommended practice, followed by most lawyers. If the testator’s and witnesses’ signatures have been notarized, the Last Will is presumed to be properly executed and is accepted by the court without testimony from the witness.

5. How Long is a Last Will Valid?
Your Last Will is valid until you revoke it generally either by physical destruction (tearing or burning it up, for example) or by signing a superseding Last Will or written revocation. However, if you get divorced after signing a Last Will, the law may consider the Last Will partially revoked. Also, if you are married, your spouse may have rights in your estate regardless of what is provided in your Last Will.

6. Can a Will Be Changed?
Your Last Will does not take effect until you die; therefore, it can be changed at any time during your life as long as you are mentally competent. Traditionally, Last Wills were changed by an amending instrument called a “codicil,” but with the development of modern word processing technology, it is usually better and just as easy to sign an entirely new Last Will when you wish to make changes.

7. What Happens If You Don’t Have a Will?
If you don’t have a Last Will, a state statute directs who receives you property, regardless of your wishes. For example, in my home state of Virginia, if you are married, your estate generally passes entirely to your surviving spouse; however, if you have children who are not also the children of your spouse, your children divided two-third of your estate, and your spouse takes the other one-third.

8. Is Joint Ownership a Good Substitute For a Last Will?
In most cases, joint ownership is not an acceptable substitute for a Last Will. Contrary to popular belief, joint ownership of assets between husband and wife often results in excessive estate takes. Joint ownership between parent and child may foster disputes between family members and cause unexpected and unnecessary gift taxes.

9. Is a Trust (Also referred to as a Revocable Living Trust) a Substitute for a Will?
A properly funded Revocable Living Trust can be a valuable and important part of the estate plan for many people, but it does not eliminate the need for a Last Will. If you have a Living Trust, you will still need a Last Will to dispose of those assets that have not or cannot be placed into the Living Trust.

As useful as they are, Living Trusts are not appropriate for everyone. Only your lawyer can tell you if you should consider one, and only you lawyer should prepare it.

10. Who Should Draft Your Last Will?
A person who drafts a Last Will must be familiar with the law in order to avoid the many pitfalls and to comply with the formalities necessary to assure the Last Will’s validity. Only a practicing lawyer is professionally qualified to give you advice regarding your Last Will, to prepare your Last Will, and to supervise it’s signing.

A Few More Practical Suggestions:

More than 70% of Americans Die Without Leaving Behind a Last Will. Planning your financial affairs, and coordinating this with your estate plan, is a very personal and individual matter. You should decide for yourself the general purpose you wish to accomplish, and then consult with a seasoned estate planning attorney, financial advisor, and CPA if you want to have a coordinated and comprehensive plan, which integrates and accomplishes all of your financial goals and objectives.

Four practical steps to save time and help assure a sound result:

1. Inventory you assets. List in reasonable detail all of your property, real and personal, life insurance policies, and retirement plans, with your best assessment of their values.

2. Inventory your liabilities. List all debts and obligations, including principal amounts, payees, and essential terms.

3. List your family members and any other persons whom you wish to participate in your estate. Decide who might be an appropriate executor, trustee, or guardian for your minor children.

4. Decide what you want to accomplish. Determine what your objectives are, and to whom you wish your assets distributed.

Getting Started is Easy:

It just takes five easy steps, where your only cost will be your time:

Step One: Spend some time with your existing financial advisor, or an experienced financial advisor in your local area, so you can review the basic details your “big picture financial plan” together

Step Two: Your financial advisor will review this information and help you assess confirm exactly what your estate planning needs and preferences are

Step Three: Once your financial advisor reviews your overall estate planning needs, they can help you understand exactly how Wills and Trusts work, as well as which one they feel fits your situation best

Step Four: After you are fully comfortable and confident with their recommendation, you can consult with a seasoned estate planning attorney who can help you properly draft these documents and details

Step Five: Arguably the most important step, and often overlooked, is making sure that your estate planning attorney, financial advisor, and CPA are all working together to ensure all of your estate plans and preferences are coordinated and working properly with your “big picture financial plan”.

Download Our Helpful FREE Funeral Planning Checklist

By funeraladmin|September 2nd, 2010|Categories: end of life, Estate Planning, Funeral Estate Planning, Last Will, living trust|Tags: end of life, Funeral Estate Planning, last will, living trust|Comments Off

Grief and Loss

Coping with Grief and Loss

While Going Back to College

Most people who begin their grief journey want straight facts. They want to know such things as what to expect, how long will the grief and loss can last, etc. College students are no exception. However, college students are in a unique niche of No- Longer-a-Teenager but not quite considered an adult as they are not melded into the working world. Should you need it, here are some quick tips to print off and give to a grieving college student.

1. Most people grieve anywhere from three to seven years. The five stages of grief can last approximately three years. Some people say that the second year of grief is harder than the first year of grief, but this is not always the case.

2. You may find yourself crying on and off for the next three years. Don’t try to fight the tears, rather let them flow. Tears are your body’s way of helping you cope with grief. Tears actually release chemicals into your system that help you feel better.

3. Even if you don’t feel like it, try to eat three meals a day. They don’t have to be huge and they should be “healthy for you” food. Try to limit the amount of sugar and empty calories you take into your body. Grieving is probably the hardest job you will every do. It is demanding physically, mentally and emotionally. Because of this high demand, your body needs energy that comes from solid healthy food. Cut out the caffeine if possible, limit the amount of alcohol you take into your system and drink as much water as you can get down a day. Think of this as if you were training for a really big physical event. (Like the Olympics!)

4. Talk, talk and talk some more. Typically, you are going to find that people want to talk to you and listen to you for the first few weeks and months. Then most people don’t know what to say, or don’t want to listen anymore–all for a host of reasons. You probably will get to the point where people ask you how you are doing and you will say ”I am fine”. Try to find people to talk to about your loss who are willing to listen. Talking does you a world of good. Journaling is also a great tool. One of the services offered at Beyond Indigo contains a private journal no one can access except you.

5. Be aware that you will have to be the one educating people on how to help you while you are grieving. This is ironic since you are the one that needs the support, not the other way around but, nevertheless, this tends to be a fact in our society. We are not socialized to talk about death. We are socialized to talk about boyfriends, our future children, weddings, etc. but not death. Therefore, people have no clue what to say. They mean well and are trying, but they may say the things that are not helpful to you. It is okay to say something like, “Listen, I know you mean well and are trying to help, but telling me my father is in heaven doesn’t make me feel better. What makes me feel better is______. (fill in the blank with how you feel, or what you would like to hear.)

6. Taking care of you during school will be a big task. Your life now is very different. You know this, however, other people may not. They may not understand how your world has changed dramatically. Focusing on schoolwork might be more difficult. Make sure to give yourself permission to change your study habits if you need to. It is okay if you don’t socialize like you did before. Figure out what little things help you during the day, such as a soothing bath at night, or listening to special music. Make sure to tell your professors of your loss. Especially be aware that you might need to explain to them that you might have trouble concentrating. There might be some arrangement that you can make to take tests on a different day if the scheduled day of testing proves to be too emotionally difficult for you. Teachers will understand if you tell them ahead of time.

7. It never hurts to find a therapist and receive some grief counseling on campus (or in town) who can be there to help monitor you through this time. You’ll need a therapist who will listen and give you ideas to put in your “tool box” to help you communicate with peers, to help you adjust to your family’s new roles with your loved one gone and to help you get through this year of school. Though you may feel you want a therapist that just listens and says, “Right, okay then, we will see you next week”, in the long run this will not be quite as helpful as a therapist that help you develop communication skills and action plans. If you go to a therapist and find that you do not “bond” with him/her or feel comfortable in his/her presence it is totally legit to terminate your sessions and seek another therapist that will feel like a comfortable “fit”.

8. If you are not sleeping at night you need to go see the doctor on campus or in town to help you sleep. Sleep is hugely important to keep up your strength.

Remember to take care of “you” first and then school and everything else will become easier to manage. Good luck on your new learning experience!

Are you looking for others with whom you can relate? Visit the Beyond Indigo forums to connect with others who are on their grief journeys.

By funeraladmin|August 11th, 2010|Categories: Bereavement, Children and Death, five stages of grief, Grief, Grief and Loss, Grief Counseling, Grief Support|Tags: Bereavement, Children and Death, five stages of grief, Grief and Loss, Grief Counseling|Comments Off

Grief and Loss

The Purpose of a Grief Coach

When a family or individual is suffering from grief and loss and have important decisions to make under much duress, they often need a large degree of emotional support. A Grief Recovery Specialist and Life Coach can help.

Here are Five Ways a Grief Coach Can Help:

Grief Coaching can offer the support a family or individual needs to get through a sorrowful time.

A grief coach can help families develop a short term, “What’s next”, plan for their lives.

A grief coach can help families establish new or revised long term life goals pertaining to work, school, relationships, hobbies and general wellness.

A grief coach can provide families with hope, motivation and direction to take control of their lives in the new role that they inherited as a result of their loss.

A grief coach is someone who listens – Sometimes that is what is most needed in a time of sorrow and confusion.

Grief Coaching is one of the fastest growing trends in self improvement, wellness and life in general.

For more information about Grief Coaching your can click on Grief Support, Grief Counseling, or visit Next Stage Coaching.

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By funeraladmin|August 11th, 2010|Categories: Grief and Loss, grief coaching, Grief Counseling, grief support, Grief Support|Tags: Bereavement, coping with loss, Grief and Loss, grief coaching, Grief Counseling, grief support|Comments Off

Online Estate Plan

FuneralResources.com Selects Entrustet.com

Preferred Provider for Digital Estate Planning

FuneralResources.com, the nation’s leading family-focused online Resource Center for funeral planning and preplanning, announced today they will be selecting Entrustet as a Preferred Provider for their Digital Estate Planning services.

Entrustet’s Account Guardian is a free service that allows consumers to securely list all of their digital assets. Digital assets include any accounts which are currently being accessed through the Internet, as well as computer files. By storing this digital information in a safe and secure place such as what Entrustet offers, this provides people and families with the option of transferring or deleting this information in the event someone passes.

To find our more information about this partnership, simply visit FuneralResources.com and click on their “Funeral Memorial Technology” tab, and then click on the drop-down link entitled “Digital Estate Planning Services”.

Hill points out that; “Today, when a family or Funeral Director visits FuneralResources.com, our Resource Center is filled with helpful articles, brief educational videos, grief counseling and support, common funeral planning merchandise and services, as well as just about every new and innovative funeral technology tool, such as Entrustet.”

Hill’s goal with FuneralResources.com is to help raise awareness about any helpful tools that can help make such a difficult situation a little easier. Another goal is to provide quick and easy access to resources such as articles, free How-To Funeral Guides, and the constantly evolving and growing number of useful tools and technologies that most families and Funeral Directors are commonly searching for. Given the growth of the Internet, Social Networking, and more, having a place to store your Digital Estate Planning Assets will inevitably continue to grow, becoming a larger part of Last Will, Living Trust, and/or Funeral Estate Planning process in the years ahead.

Download Our Helpful FREE Funeral Planning Checklist

About Entrustet:

Entrustet is a free online service that allows you to securely list all of your digital assets, which are online accounts and files on your computer, and decide if you’d like them transferred to heirs or deleted when you pass away. Through its free Account Guardian service, individuals protect their digital assets by deleting them or designating heirs to oversee their personal information after their death. Users can also choose to delete private files and accounts by using the Account Incinerator. Other services include the Lawyer Directory for lawyer referrals and the Corporate Partner Program in which companies can protect their users’ last wishes.

By funeraladmin|July 28th, 2010|Categories: Digital Estate Planning, entrustet, Funeral Estate Planning, Last Will, living trust, Online Estate Plan, plan a funeral|Tags: digital estate planning, Funeral Estate Planning, last will, living trust, Memorial Technology, online memorial, plan a funeral, Preplanning a Funeral|Comments Off

Green Funeral

Eternal Reefs Adds New Memorial Reef Site

New cremation memorial reef to be located in Galveston, Texas.

The new Texas location makes the twentieth approved site for the company to offer an eco-friendly alternative to spreading the ashes of a loved one: participation in the preparation and placement of an individually-designed memorial reef ball that contributes to a new ecosystem.

An Eternal Reefs “memorial reefs” looks like a huge, hollow concrete ball with Swiss cheese holes specially designed to entice fish and other forms of sea life into the reef, building new habitats in and around the uneven structure. Eternal Reefs takes cremated remains and incorporates them into an environmentally safe cast cement mixture weighing between 600 pounds (2’ high x 4’ wide) and 4500 pounds (4’ high x 6’ wide).

Eternal Reefs encourages family members and friends to become involved in creating their loved one’s memorial reef. If they wish, family members can mix the concrete and remains and have the opportunity to personalize the Eternal Reef with handprints, written messages and other memorabilia in the damp concrete. The entire Eternal Reefs process is designed to be a positive and healing experience for the families and the sea.

“While many people who participate in our programs have been vitally connected to the ocean their entire life, we get to memorialize people who just like the idea of making a meaningful contribution to the health of the planet and to benefit future generations,” George Frankel, Eternal Reefs CEO, said. “We find it provides great joy for everyone involved to know their loved one will be surrounded by marine life and to know they leave behind an environmentally-sustainable, living legacy.”

Memorial reefs have become a solution for the “shelf people” crisis across the country. An astonishing 45 percent of families that have chosen cremation still have their loved ones remains sitting on a shelf or in a closet. Thousands of individuals pass away unexpectedly and don’t leave a will, leaving the next generation to handle their remains. Eternal Reefs offers a final resting place for these individuals.

With every Memorial Reef, the executor of the estate receives two memorial certificates that identify the longitude and latitude of the memorials, which are marked with bronze plaques. Loved ones can participate in every step of the Memorial Reef process and gather for the reef casting, viewing and placement ceremonies. Throughout the year, families and friends often return to the memorial reef site to dive, fish or visit by boat.

The new reef site off Galveston, Texas will have its first memorial service and placement November 12, 2010 at Barr’s Reef, 11 miles off the water break in Galveston Bay. It is anticipated the families of about 15 people will participate in the activities.

About Eternal Reefs Inc.
Eternal Reefs, Inc is an Atlanta-based company that provides creative environmentally enhancing means to memorialize the cremated remains of a loved one. The company incorporates cremated remains into a concrete mixture used to cast artificial reef formations. The artificial reefs are dedicated as permanent memorials while also bolstering natural coastal reef formations. Since 1998, the company has placed more than 300 Memorial Reefs in 20 locations off the coasts of Florida, South Carolina, North Carolina, Maryland, New Jersey, Texas and Virginia, substantially increasing the ocean’s diminishing reef systems. Memorial reefs can only go in properly permitted locations by the US Government. Contact Eternal Reefs Inc.

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By funeraladmin|July 22nd, 2010|Categories: Burials at Sea, cremation memorial, Funeral Planning, Green Burial, Green Funeral, Memorial Reefs, Memorial Technology|Tags: cremation memorial, eternal reefs, Green Burial, Green Funeral, Memorial Reefs, Memorial Technology|Comments Off

Pre Need

Preplanning for Funeral Costs and Expenses

The final expense cost of regular adult funeral including basic items, can be significant. To give you a quick overview of the funeral costs, we’ve developed a quick chart. Keep in mind, these basic items do not include cemetery costs, cemetery monuments, or grave marker costs – nor any other miscellaneous charges such as for funeral flowers or obituaries.

$1,595 Non-declinable basic services fee

$ 233 Removal/transfer of remains to funeral home

$ 550 Embalming

$ 203 Other preparation of the body

$ 406 Use of facilities/staff for viewing

$ 463 Use of facilities/staff for funeral ceremony

$ 251 Use of a hearse

$ 120 Use of a service car/van

$ 119 Basic memorial printed package

$2,255 Metal Casket

$1,128 Vault

Total Cost $7,323

For more information about specific Final E xpense Costs or strategies to Prepay Funeral Expenses and End of Life Planning, you’ll find a wealth of information throughout our website, FuneralResources.com.

Download Our Helpful FREE Funeral Planning Checklist

By funeraladmin|July 22nd, 2010|Categories: Blog, caskets, Death, end of life, end-of-life planning, final expense, Funeral Costs, Funeral Flowers, Monuments, prepay funeral expenses|Tags: Blog, Death, end of life, final expense, Financial Planning, Funeral Costs, funeral flowers, Funeral Planning, monuments, Pre Need|Comments Off

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Plan a Funeral

Death of a Loved One Checklist

Checklist to Help Families Get Through a Difficult Time

Time-Sensitive Tasks

Tasks to Be Completed Within 9 Months:

Tasks to Be Completed Within 9 to 12 Months

Other Key Considerations

End of Life and Funeral Insurance

Everything You Need to Know About Funeral Insurance

The Average Cost of a Funeral is $10,000 (AARP.org)

10 Important Things to Know About Funeral or Burial Insurance:

Additional Helpful Resources:

MemorialTechnology.com Offers Families and Funeral Industry New Ways to Memorialize Loved Ones

Top Six New Funeral and Memorial Technology Options

Digital Death and Estate Planning

What Happens Online When You Die?

Digital Death Day

Digital Death Resources

Digital Death Used to Save Lives

Three Facebook Users Die Every Minute

Leave a Digital Legacy? Or Have Your Digital Self Euthanized?

Digital Privacy

Grave Headstone, Tombstones and Monuments Memorial

What to Put on a Grave Headstone, Monuments,

Grave Marker, or Personalized Memorial?

What Do You Want to Say About Your Loved One?

What are Your Options When Designing a Memorial?

Funeral Estate Tax Planning

Estate and Inheritance Tax Questions to Ask

After Grieving the Death of a Loved One

Helpful Considerations When Facing a Loss:

Is Life Insurance Taxable?

What is My Inheritance Tax Rate?

Are Bank Accounts Taxable?

What About Pensions and IRA’s

Tribute Video

Four Reasons to Offer DVD Tribute Videos to Families

1. Tribute Videos Fill a Need

2. Tribute Videos Are Easy to Create

3. Tribute Video Software Features Cutting Edge Memorial Technology

4. Tribute Videos Are a Value Added Service

Consider Funeral and Death Donations

Afterward…

Dividing and Donating Your Loved One’s Estate

A Guest Blogger Shares His Personal Story:

Clothing and Shoes

Bedding

Books, Videos and CDs

Dishes, Silverware, and Food-Related Utensils

Knick-Knacks, Artwork, and the Like

Furniture

Used Medical Equipment

Four Key Guides to End of Life Planning

Our Personal Gift to You and Your Loved Ones…

4 FREE Guides to Creating a Smart End of Life Plan

1. Completing Your Family Record Guide:

2. Guide to Knowing Your 3 Best Options to Pre-Pay Funeral Expenses:

3. Guide to Choosing a Will Versus a Trust:

4. Guide to Creating a Love Drawer:

How to Prepay Your Funeral Expenses… And Why?

Savings

Life Insurance

Funeral Insurance

Pre Need Trust Agreements

Get Help

Who Really Needs an End of Life Plan?

See Exactly Why This Makes Sense…From the Heart

The Missing Piece of the Financial Planning Puzzle

Very Few Families Know “What to Do Next”

What Could I Have Done Differently?

May I Offer Some Valuable Advice?

What is the Key Message Here?

You Can’t Go Wrong:

Get Started Today – Your First Easy Step:

Custom Funeral Music

The Powerful Combination of Custom Crafted Funeral Music, Pictures, and Professional Video

Creating a Healing Thanksgiving Family Keepsake

Consider Using Custom Crafted Songs to Help Heal and Remember

Top 5 Reasons Video Tributes are Common Memorial Options

1. A Quality Memorial Tribute

Everything You Need to Know About
Funeral Insurance

10 Important Things to Know About
Funeral or Burial Insurance:

How to Prepay Your Funeral Expenses…
And Why?