When a loved one passes, one of the many practical questions that arises is who will pay for the funeral. While there aren’t any laws that specifically state who should pay for a funeral, there are ways to determine who is responsible for paying the funeral expenses.

The Deceased’s Estate

For most individuals, their estate will cover the cost of their funeral. Funeral expenses are a priority obligation and will enter repayment before other estate debts. If the estate doesn’t cover all the funeral expenses, the individual who signed the funeral contract is responsible for the remaining amount.

It’s crucial to speak to the executors of your loved one’s will to determine if there are sufficient funds to cover funeral fees. While the will may not be accessible for weeks or even months until after the funeral, speaking to the executor will give you a better idea of the funds available as you fulfill your loved one’s desires.

The Funeral Contract

When determining who will pay for burial services, the funeral director will typically look to the person who signed the contract when they arranged services. Although the deceased’s estate may ultimately pay the final bill, the terms of the service contract require the signer to pay the funeral director.

A Prepaid Funeral Plan

A prepaid funeral plan allows individuals to pay for their funeral arrangements before passing. This payment plan enables individuals to ensure they receive the funeral they desire and spare their loved ones from financial stress.

Life Insurance Policy

The beneficiary of a life insurance policy can use the proceeds to cover funeral costs if they so choose. However, this individual is not under any legal obligation to use these funds in this way. If your loved one did not name a beneficiary for their life insurance policy, the proceeds will go to your loved one’s estate.

Before choosing a life insurance policy to pay for your loved one’s funeral, remember that it can take over a month before you receive the money. Most funeral homes require payment upfront, which may require you to explore alternative payment options.

Next of Kin

If your loved one has no assets or property, the next of kin will typically cover funeral costs. The next of kin will also handle arrangements if the deceased is a ward of the state. However, no one is legally obligated to pay for funeral expenses unless they sign an agreement. In most cases, the family will work together to create a financial plan for the funeral expenses.

Funeral directors are an excellent resource for guidance on paying funeral expenses. At Joseph A. Lucchese funeral home, our professional team will walk you through our various pricing and financing options to help you honor your loved one without causing financial strain.

Contact Joseph A. Lucchese Funeral Home Today

At Joseph A. Lucchese Funeral Home, our kind and compassionate team is available to help you determine the best way to pay for your loved one’s funeral services. Contact us to learn more about our financing option or make arrangements today.