The prearrangement of funerals is an important aspect of the funeral business today. Preplanning provides peace of mind for everyone involved. A carefully preplanned service can be the most comforting to your family, as is spares them from having to face decisions that can be both emotionally and financially difficult at the time of death. It can give them lasting peace of mind to know that they have acted in accordance with your wishes
Making pre-arrangements can be as simple or as detailed as you wish. You can make the selection of the services, casket, music, etc., or simply record the information that will be needed for legal forms and other paperwork. Arranging a funeral requires many decisions to be made.
Most people preplan for the following reasons:
Once someone dies, it is often confusing and stressful for survivors to come to the funeral home to arrange for the services and have the correct information available. Survivors can still be involved in the funeral process at the time of death. Their role would be to make the service memorable by the choice of flowers, spiritual readings, music selections and providing their personal input in the form of pictures, memorabilia or eulogy. However, everything else has been done.
Prearranging & Prefunding
There are two kinds of prepaid arrangements: revocable and irrevocable.
Revocable arrangements must be refunded upon demand, including all principal and interest. Trust fund moneys are revocable or 100% refundable on demand and with interest. And you may change the funeral home and the selected funeral services or merchandise at any time without penalty.
In New Jersey, all SSI/Medicaid accounts specifically for the purpose of funding a funeral are irrevocable, meaning NOT REFUNDABLE.
Only individuals prepaying their funerals in order to qualify for SSI, Medicaid, or General Assistance may establish irrevocable arrangements, which must be used for funeral and burial purposes. Irrevocable arrangements cannot, by law, be cancelled or refunded (although consumers may change funeral homes).
Irrevocable Accounts & Any Excess Moneys
In order to reimburse the state of New Jersey a small portion of the money it spends each year on the SSI/Medicaid program, legislation has been enacted regarding irrevocable funeral trusts and insurance policies specifically purchased to fund a funeral.
This legislation says that, once all funeral expenses have been paid, any moneys remaining in:
Funeral Planning CHOICESTM has put in place procedures to ensure that only irrevocable account holders, who are receiving SSI/Medicaid or General Assistance benefits, at time of death, will have their access proceeds forwarded to the state.
To begin pre-planning now, please fill out the form below and we will contact you to make an appointment, send you more information or keep your information on file. Or click here to request more information on pre-planning.
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