While funerals and memorial services are essential to help families and loved ones achieve a sense of closure, what happens if you can’t afford the funeral you want for your loved one or yourself? While it can be challenging to talk about death, educating yourself ahead of time allows you to be as prepared as possible.
Talk to an Insurance Agent
The deceased’s life insurance or Medicaid funeral assistance program may cover all or some of the funeral costs. Talk to an insurance agent to go over the details of your loved one’s insurance policy, limitations and other stipulations so you can understand which specific costs the policy will cover.
Explore Your Burial Options
While many funeral options can be expensive, you have many options for honoring your loved one while keeping to your budget. With careful planning, you can create an affordable ceremony that feels warm and respectful.
You also have the option to purchase an inexpensive casket or explore other burial options. Cremating your loved one is often a less expensive option. If your state doesn’t require you to embalm the body, you can consider a green burial to lay your loved one to rest without an expensive casket, vault or headstone.
Take Out a Loan
If you have a good credit score and are financially able to take on a personal loan, consider applying for a loan from your local bank or credit union to pay for your loved one’s funeral. When taking out your loan, be sure to avoid taking out a cash advance on a credit card, as this can result in high interest charges that can lead to debt for months or years after the funeral.
Ask Other Family Members
If you have other family members, it’s worth it to ask if they will share in the responsibility of paying for funeral costs. When you approach your family members, be as specific as you can when discussing fees and how everyone can reasonably help with funeral costs. It’s also helpful to put together a spreadsheet to help you keep an accurate record of expenses.
Talk to Your County Coroner Office
If you’ve explored other options and still can’t find a way to plan a funeral without spending a lot of money, you have the option to sign a release form with your county coroner’s office that states that you can’t afford to bury your family member. After signing the release, you may receive state burial assistance to help pay for a burial or cremation. Some counties also offer the option to claim your loved one’s ashes for a small fee.
Learn More About Your Burial Options From Joseph A. Lucchese Funeral Home Today
When it comes to exploring low-cost burial options for yourself or a loved one, you don’t have to do it alone. The professionals at Joseph A. Lucchese Funeral home will walk you through your options and handle the details so you can focus on celebrating the life of your family member.