Please review the material below to learn answers about some questions we are frequently asked.
Q. Why do we have funerals?
A. It's important to recognize that funerals and memorial ceremonies are for the living ... for those who are affected by the loss of a loved one. It is through the funeral process that a number of emotional needs are met for those who grieve.
A funeral is similar to other ceremonies in our lives. Like a graduation ceremony, a wedding, a baptism, and a bar mitzvah, a funeral is a rite of passage by which we recognize an important event that distinguishes our lives.
The funeral declares that a death has occurred. It celebrates the life that has been lived, and offers family and friends the opportunity to pay tribute to their loved one.
Q. Why should I pre-arrange my funeral?
A. There are many different reasons for pre-arranging a funeral. Some persons, especially those who are alone in the world, may want the assurance of a funeral and burial which meet their personal beliefs, standards or life-style. Others feel a responsibility to assist survivors by arranging approximate funeral and burial cost guidelines. Still others have moved to distant places, or maintain both summer and winter residences. They may want to make sure that certain recommendations are heeded as to where the funeral and burial or other final disposition will take place. Actually, there are almost as many explanations for pre-arranging funerals as there are people requesting them.
Q. Can I pay for my funeral in advance?
A. Yes. Pre-payment consists of depositing money into a bank allowing for payment of future funeral services. Reasons for pre-payment vary from removing the financial burden from your survivors to Medicaid acceptance. Pre-payment is regulated by the State of New York Department of Health.
Q. What kind of payment options do you offer?
Funeral arrangements can be a difficult task and one for which many are not well prepared. One of the ways we accommodate families in this regard is to offer different payment options for the expenses involved.
1. We accept checks or cash
2. We accept Via or Master Card for all or part of the funeral home charges
3. We accept payment from a pre-arranged trust account that has been established with a local bank
4. Insurance assignment, with policy presented at the time of funeral arrangements. We can assist the family with most insurance claims and there is no charge for handling these applications. Financial arrangements other than the above need to be discussed and agreed upon prior to the conclusion of the funeral arrangements. It is not our policy to wait for payment from an Estate. The beneficiaries of an Estate and/ or the individuals who engage us are expected to pay for all expenses and they will be first to be reimbursed from the Estate assets. It is our intention to assist each family any way we are able with these financial arrangements.
Q. Can you help us with our insurance claim?
We know that filing insurance claims can be a confusing, time consuming procedure, and unfamiliar forms are just another burden. That is the reason many families ask us if we can assist in handling life insurance policies.
We have claim forms for most insurance companies and we are familiar with how they should be completed and what needs to accompany them when they are filed. We can make sure that these important benefits are obtained without delay. We know that this is the kind of extra service that families appreciate, especially in time of stress.
Q Is embalming required by law?
A. New York State does not require that a body be embalmed and, in fact, this should not be done without authorization of the people making the funeral arrangements. if the body will not be disposed of within a reasonable time after death, embalming may be indicated, but this is not legally required.
Q. If I choose cremation, can I also have a funeral or memorial service?
A. Yes, you can. Many people who choose cremation elect to have some form of religious or secular service. Some have a funeral service with the casket present, while others will have a memorial service, either prior to or following the cremation.
Q. Should children attend a funeral?
A. Whether or not a child should attend a funeral is a personal decision to be made with the child. If the child was close to the deceased it is fine for the child to attend if he or she feels comfortable doing so. The best thing to do is to talk to the child about how they are feeling and answer their questions about what a funeral is and what will happen there. If the child is old enough leave the decision up to them. If the child is younger they may not fully understand what is happening and may not benefit from attendance and therefore a parent should be involved in the decision.
If you have additional questions, please call us in Hornell at 607-324-2700 or in Avoca at 607-566-2300.