Social Security Burial Benefits: Support for Funeral Costs
Social Security Burial Benefits: Support for Funeral Costs Last Updated on: September 12th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote When planning for the future, it’s important to consider all aspects of end-of-life arrangements, including Social Security burial benefits. The Social Security Administration pays a one-time, Special Benefit payment to help with burial expenses after the death of a Social Security beneficiary. This is known as the Social Security burial benefit or death benefit. To qualify for this payment, there are some basic conditions that you have to fulfill. For instance, one must have contributed to Social Security or be a dependent of the contributor, be it as a spouse or a child. Let’s discuss more about it. Get Free Quotes Customized Options Await Quotes Now What Are Social Security Death Benefits? Social Security Death Benefits are provided to the surviving spouses, children, and other dependents of a deceased eligible employee. This benefit, designed to ease the financial strain the loss of one’s spouse or parent puts on the family, is especially useful for families with young children. The monthly benefit amount depends on the earnings of the deceased person. In other words, if they contributed to Social Security more, their benefits would also be more. This amount is a percentage of the deceased’s basic social security benefit or his average earnings over a period. Also, depending on the situation of the death, the benefit of a one-time lump-sum death payment of $255 may be paid to the surviving spouse if he or she was living with the deceased person; or if living apart, was receiving certain kinds of Social Security benefits on the deceased’s record. When there is no surviving spouse, the payment is made to a child who qualifies for the benefits. Who is Eligible to Receive Social Security Death Benefits? Any woman or man with no spouse and above the age of 60 years A surviving divorced spouse, under certain conditions Any widow or widower at any age who is looking after the deceased’s child under 16 years of age or is disabled and receives child benefits. An unmarried child of the deceased who is one of the following Under the age of eighteen (up to nineteen if he or she attends elementary or secondary school as a full-time student). People above 18 years of age with a disability that affected them before they reached 22 years of age. Does Medicare or Social Security Pay for Funeral Expenses? The short answer to this question is no; they don’t. Medicare covers medical care, which ends when you die. Medicare doesn’t have a death benefit either, but Social Security does offer burial benefits. The Social Security Administration will give a one-time $255 payment to a surviving spouse or child, called a special lump-sum death payment. You do have to meet certain requirements: The spouse must have been living with the deceased or receiving certain social security benefits on the deceased’s record. If there’s no surviving spouse, the payment goes to a child eligible for benefits on the deceased’s record in the month of death. After seeing how much a funeral can cost, you realize that $255 from Social Security is a nice gesture, but it will only cover a few floral arrangements. Who can claim benefits from my record? Burial benefits are divided into two categories: those that kick in before a worker’s death and those that go to the worker’s survivors. The second kind of benefits are often called survivor or Social Security burial benefits. Here are the rules: While you’re alive, your spouse and any ex-spouse(s) become eligible to claim spousal benefits from your record, beginning when they turn 62. For your husband or wife to claim Social Security spousal benefits (equal to 50% of your benefit) you must have already claimed your primary benefits. Divorced spouses, though, can begin claiming benefits on their ex’s record whether or not the ex has filed for retirement benefits. Minor children and disabled children of any age who became disabled before age 22 are also eligible to receive benefits if their retired parent has started claiming primary benefits. After a worker eligible for primary Social Security benefits dies, a few classes of protected individuals are entitled to claim Social Security Burial Benefits (equal to 100% of the deceased’s benefits). The folks with this kind of Social Security eligibility include: Surviving spouses (a.k.a. widows and widowers) married for at least 10 years, who can start collecting reduced benefits when they turn 60 and full survivor benefits at full retirement age Surviving divorced spouses married for at least 10 years, who can collect reduced benefits from age 62 and full benefits at their full retirement age, provided they don’t remarry. Dependent parents, if the worker’s financial support made up at least half of their support Minor children up to age 18, or up to age 19 if still in secondary school Adult children if disabled before age 22 The mother or father of the deceased’s children (including an ex-spouse), who is caring for the deceased’s minor children, can claim Social Security death benefits until the children reach age 16. Can my surviving spouse claim my Social Security burial benefits and their primary benefits? These benefits were designed to protect the non-working spouses and children of workers, not to provide extra money to surviving spouses whose work histories make them eligible for benefits on their record. A surviving spouse whose age and labor force participation make them eligible for primary Social Security benefits should not expect to receive full Social Security death benefits on top of their check. The Social Security Administration wants to guard against what it considers “excess benefits,” so will adjust the benefits of anyone who is eligible for both spousal/death benefits AND primary benefits. Social Security will pay out the larger of either the spousal/survivor benefits or the primary benefits, but not both. This is known as the Dual Entitlement
12 Life Insurance Myths: Uncovering the Facts behind them
12 Life Insurance Myths: Uncovering the Facts behind them Last Updated on: September 6th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Have you ever heard that life insurance is too expensive or only necessary for older people? Life insurance can be tricky to figure out with its complex rules and choices among competing opportunities. With the wrong information, you could end up with the wrong policy which wastes your money and doesn’t properly protect your loved ones. This article will briefly examine the top 12 misconceptions surrounding life insurance to help make your road to coverage a little smoother. Get Free Quotes Customized Options Await Quotes Now 12 Life Insurance Myths Here are 12 Life Insurance Myths and misconceptions we should avoid: – If you have a health condition, you’re not eligible Many people believe that if they have a pre-existing condition, they can’t get life insurance. Insurers generally use your health to calculate rates and coverage amounts, but it doesn’t mean you’re ineligible if you have a health condition. If you’re concerned about your health being an issue, “simplified issue” or “guaranteed issue” life insurance is also available, often through employer-provided coverage. The applications used for this type of policy typically contain a shorter list of questions, which may be the same for each applicant, and decisions are made based on very limited criteria. – My Term Life Insurance Coverage at Work Is Sufficient For a single person of modest means, employer-provided term coverage may actually be enough. However, if you have dependents like spouse, children, or other relatives, or if you think that more money may be required for paying estate taxes after your death, then more coverage is required. The reasons for recommending employer-paid or employer-provided term insurance are that it offers simple guaranteed coverage that is affordable. However, it will only be available while you are still with your employer and it does not offer you lifetime coverage. It may also be beneficial if you have a separate policy in other areas of your life to ensure that your protection is not taken away from you as soon as you stop working. – The Cost of My Premiums Will Be Deductible This is not true in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage protects the business owner’s assets. In this scenario, premiums are deductible. – Young and healthy people do not need life insurance Life is unpredictable in this sense that one cannot know what will happen next. When it comes to the probabilities of an accident, a young and healthy person may be cut down in the very prime of his youth. During one’s early working experience, one cannot save adequately enough to build a good corpus throughout one’s life history. But life insurance guarantees that your family does not experience this problem of the lack of funds. Also, young people get to pay a lower amount of premium than they are likely to when they are older. It’s more advisable to purchase life insurance in your formative years when you are just beginning to earn an income. This way, you can target a wider audience and you will get good coverage at a cheaper cost. – I Must Have Life Insurance to Cover Final Expenses For many people, this is often true. However, those with sizable assets may be better off self-insuring. When you self-insure, you use your own savings to cover your medical and funeral costs while providing for your loved ones. You save money by self-insuring as you aren’t paying for the cost of setting up a policy.6 However, you might still decide to buy a policy to create a larger inheritance or as a backup in case you spend down your savings more quickly than expected. – I Should Always Buy Term and Invest the Difference This is not necessarily true. Term life starts out less expensive than permanent life insurance, which gives you more money to invest. However, terms get more expensive over time and can become prohibitively high in later years. Permanent policies like whole life do not increase your premium as you get older. The total premium outlay for a permanent policy may actually end up less than what you’d spend on term coverage that keeps getting more expensive over time. Term coverage eventually ends as insurers set a maximum age limit for renewals. Those who know for certain they must be covered at death should consider some amount of permanent coverage. – Only financially well-off people can afford life insurance Insurance policies today offer extensive coverage at reasonable prices. You can research online for customized plans that suit every budget. You can start with a lower sum assured and then build up additional coverage as your income increases. You can also opt for a term life plan. – Variable Universal Life Policies Are Always Superior to Straight Universal Life Policies Over the Long Run In theory, the long-run investment return of a variable universal life policy (VUL) should outearn a straight universal life policy but that’s not guaranteed. Your cash value growth in a VUL depends on the performance of your investments. Poor market performance may result in a a lower cash value than someone with a straight universal life policy. If you prefer to keep it safe, universal life policies with no risk of losses could be the better option. – Only Breadwinners Need Life Insurance Coverage Nonsense. The cost of replacing the services formerly provided by a deceased stay-at-home can be higher than you think, so insuring against the loss of a partner who does not work outside the home may make sense. Stay-at-home spouses provide daycare, transportation, cleaning, meal preparation, and many other quality services that can be difficult and expensive to procure outside the family. – My family won’t need much money when I die. This won’t be true, unless you’ve made
Life Insurance for Police Officers: Protecting Those Who Serve
Life Insurance for Police Officers: Protecting Those Who Serve Last Updated on: September 5th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote What kind of life insurance can police officers get? How much is it? There are many questions law enforcement officers have when looking at life insurance. This article will show you everything you need to know about life insurance for police officers. You can also get sample rates by filling out our quote. Get Free Quotes Customized Options Await Quotes Now Can Police Officers Obtain Life Insurance Coverage? The question of whether police officers can obtain life insurance coverage is a common one. Police officers can apply for the best life insurance plans and may qualify for preferred rates if they maintain good health. The life insurance industry expresses gratitude towards police officers by maintaining their premiums at standard levels. This is despite police officers’ occupation being more difficult than average. It is not difficult at all to purchase law enforcement life insurance along with several other types of first responders such as firefighters and members of the armed forces. Law enforcement officers know that when they put on their uniform to begin a day’s work, anything is liable to happen but they still go out and protect the public. The life insurance industry realizes this and does not penalize them in any way for securing the best life insurance rates. Securing the best life insurance for police officers is simple and can be applied for and approved within 24-48 hours. Why Do Police Officers Need Life Insurance? I don’t believe a life insurance policy is more important to a police officer than anyone else because everyone with dependents should have life insurance. Here is why they need life insurance for Police Officers: – Income Protection The police profession has always been considered as one fraught with risks. What would happen to their families in the event one of them died suddenly, say, an officer? Law enforcement life insurance is an investment that guarantees that the quality of life of their loved ones will be kept high in the absence of the insured person. Groceries Utility bills Education costs Without life insurance, the sudden loss of income can leave families in a dire financial situation. Life insurance helps prevent this by replacing lost income. – Debt Protection Like most people, police officers often have significant debts. This can include: Mortgages Car loans Credit card debt If an officer were to pass away, these debts wouldn’t disappear. They could become a burden on the family left behind. – Employer-Sponsored Coverage Many police departments offer life insurance as part of their benefits package. But is this coverage enough? Often, it’s limited and might not cover all the needs of an officer’s family. Here’s why police life insurance is important: Higher Coverage Amounts: Employer-provided policies often have low limits. Portability: If an officer changes jobs, they might lose their employer-sponsored coverage. Customization: Individual policies can be tailored to specific needs and circumstances. In short, therefore, depending on employer-sponsored life insurance may not guarantee full coverage. Additional policies can offer further coverage. Life insurance for Police Officers is not only about providing financial security. It’s about giving people the calmness of mind knowing that their loved ones shall be well provided for at all times. Regarding life insurance, police officers should consider sources of income and debt coverage, as well as improvement of employer-sponsored insurance. Therefore, if you or a family member is involved in the police force, you should consider the advantages of a solid life insurance plan. It is a simple change that can bring about significant improvement. Is It Considered a Risk? As mentioned earlier, obtaining additional life insurance for law enforcement officers is not considered a risk whatsoever. Most of the police officers may fear that because their job is risky, the life insurance companies may charge them extra for coverage. Life insurance companies, however, are surprisingly lenient when it comes to police officers. And since you are not denied to buy life insurance on top of the work insurance you already have, you can choose to explore the market to find the best rates. One good thing about life insurance for police officers is that the process of acquiring the same is as simple as that of a normal citizen. Also, options and procedures remain the same. Why is Life Insurance for Police Officers Important? As a law enforcement officer, your life is always at greater risk while protecting the citizens. Remember that a police officer always follows instructions from their commander. As such, they can put themselves in risky situations while executing their daily duties. Even if you are a police officer, you still have a family to protect. So, you need to be concerned about your family’s financial security in case you pass on while executing your duty. Being a police officer does not mean you can only die by the gun. There are many ways a police officer can put his life in danger. Some of the dangers of police officers may include: Traffic Accidents- Traffic police officers spend most of their time on the highways. While patrolling, they can be knocked by careless drivers who are trying to escape the long arm of the law. Careless Shootings- Police officers have been authorized to carry and use firearms. While on duty, they can shoot one another due to a disagreement, or through careless mishandling of firearms. Acting as First Responders- Police officers are usually placed in risky situations like crime scenes or daylight robberies. Any law-breaker around the scene would want to fire at any police officer on sight first to escape. What is the best life insurance for police officers? Just like other civilians, police officers have access to all types of life insurance policies. As stated earlier, law enforcement officers are not discriminated against when it comes to the acquisition of life insurance. Right
Define Interment Funeral : Understanding the Funeral Process
Define Interment Funeral : Understanding the Funeral Process Last Updated on: August 26th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Have you ever wondered about the different ways we honor our loved ones after they pass away? Among the various funeral practices, define interment funeral as a timeless tradition that holds deep cultural and emotional significance. But what exactly is an interment funeral, and why does it play such an important role in the way we say our final goodbyes? Understanding this practice can provide insight into how we celebrate and memorialize life, even in the face of loss. Get Free Quotes Customized Options Await Quotes Now How to define interment funerals? What is interment? Put simply, it’s when we place someone who’s died in their final resting place. Define interment funeral in a way that it is a process of burying a deceased person’s body in the ground, usually within a cemetery. This could be a traditional burial or a natural burial, where a coffin is lowered into the ground. But nowadays, when people talk about interment, they’re often talking about the interment of ashes. There are lots of ways that ashes can be interred. We’ll look at some of your options below. It’s good to know that the meaning of interment is different from “internment”. It’s easy to mix the two up because they sound the same and have very similar spellings. Internment (with an “n” in the middle) is when somebody is placed in prison, usually within the military. Where can an interment funeral ashes take place? The procedure for the interment funeral ashes starts with finding a permanent location. Possible locations include: A Local Authority cemetery A burial ground or churchyard A green or natural burial ground (they tend not to allow headstones) Interment funeral Options for the Cremated Body – Lawn Crypt Essentially, a lawn crypt is a type of underground mausoleum. It’s built deeper into the ground and can house multiple caskets. Often made of concrete, a lawn crypt possesses a drainage system, which protects the grave’s contents from the elements. In some cases, families are all buried together, but it’s not a requirement. Make sure to ask a cemetery representative if they use individual grave markers or just one for everyone buried in the lawn crypt. – Traditional burial In traditional burial, the body is interred whole and may be preserved by employing embalming so that the deceased can be displayed before the funeral rites and burial rites. Before burial, the cemetery prepares the location by digging a hole at the grave and may then place a grave liner or burial vault in the hole. The casket is then placed in the grave by the cemetery grounds crew after the committal service and more soil is then added to the grave. Finally, a tombstone with an epitaph is placed at the site as a form of honoring the deceased – Mausoleum A mausoleum is an above-ground structure used when the remains are placed in a casket. They provide individual methods for remembering your loved one, such as name etchings, nameplates, and vases for flowers. A mausoleum commonly contains individual or companion niches and safeguards the body from the environment. It is made of community mausoleum and private mausoleum kinds. In most situations, a private mausoleum is far more costly. Mausoleums are ideal for people who wish to have their remains buried with their loved ones in their tomb. – Natural (or Green) Burial There is another form of full-body interment that is natural or green burial. Green and natural burials are an attempt to mimic the natural process of decomposition as closely as possible. The main differences are two-fold: The main differences are two-fold: 1) Green burial does not allow for any type of embalming, while the cemetery ground is approved merely for green burial. 2) Green burials can only happen on very specific areas of land while a natural burial can happen on any piece of private property or any cemetery that permits it. Other Interment funeral Options A few lesser-used interment options are: Burial of ashes in a biodegradable urn by planting it with seeds so that a tree will grow on the site After cremation, the ashes are combined with cement to form a reef to assist the oceans to recover. They include, for instance, the launching of the cremated body into space. Being involved in burial at sea service is an option that is possible with both the full body and cremated body. For other options, refer to Meaningful Ways to Honor Your Loved One’s Ashes – Burial Vault or Mausoleum A burial vault is a structure built within the grave that holds one or many remains. An example of this would be a mausoleum. A mausoleum is essentially a large tomb. It is a monument, often made from stone, designed to house the remains of one or several individuals above ground. Like burials, mausoleums commonly contain personal mementos to markers related to the deceased. There are many types of mausoleums. Common ones include: Public/common Mausoleums. This is a structure that holds multiple individuals inside of the same place. Anyone is allowed to visit and pay their respects. Private Mausoleums. This is a type of mausoleum restricted for family use. These can be found on private property or purchased at a cemetery. Garden Mausoleum. This type of mausoleum is found outdoors and often decorated with flowers, plants, statues, and more. Sarcophagus mausoleums. This type of mausoleum is partially underground and has no door or windows within the structure. Vestibule Mausoleums. This is a small structure that looks similar to a house. There is typically a door entrance that leads into an inner burial vault. These are also often private or family-owned. – Columbarium Entering the final arrangements of the cremated body, the most common choice is a columbarium. Columbaria are made of a large number of small spaces also referred to
How Long is a Funeral Service? | Typical Funeral Duration
How Long is a Funeral Service? | Typical Funeral Duration Last Updated on: August 19th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote The question “How long is a Funeral service” may vary depending on certain factors such as the type of funeral services that the family of the deceased agrees upon, the rituals and customs they wish to practice, delays according to the wishes of the family, and friends, the deceased’s wishes, etc. These are just some reasons why a funeral service could be shorter or longer, but in most cases, an average funeral service would usually wind up in an hour. Whether you’re attending a funeral service for the first time or preparing for a loved one’s final passage, here’s what you need to know. Read on to find out what to expect, the different types of funerals practiced depending on communities and religion, and how long funerals should and usually last! Get Free Quotes Customized Options Await Quotes Now How long is a Funeral Service: How long is a Funeral service? A typical funeral service lasts around an hour, although some funerals can last several days, subject to custom and religious beliefs. Some services can be as short as 20-30 minutes, but remember to allow extra time for people to enter and exit when booking a venue. You might wish to look into booking a double time slot if the funeral may run over just to be on the safe side, though remember that this will cost you more in crematorium and cemetery fees. Some services are deliberately kept short, and then some time is set aside for people to share stories of the deceased. Funeral service slots are usually allocated on an hourly basis, but it’s possible to request more time. Some services last up to two hours, with time given over to hymns, speakers, music, readings, and so on. Some places charge a late running fee, in the instance that the service runs over schedule. You can get a rough idea of how long the funeral will be by the length of the order of service (funeral service schedule), which is given out as you enter the service. This will detail how the service is to be structured, for example, it might start with a song, then the eulogy may be read out, and then there may be several poetry readings. If you are arranging the funeral, speak to your celebrant or minister for a more precise time estimate of the service. If you need to leave early, be respectful and exit quietly. The family will understand if you cannot stay for the whole service, or can only attend a part of the funeral. Use discretion and leave at a time that will cause the least disruption. – Funeral wakes/receptions Funeral wakes/receptions tend to last a couple of hours, but it is expected that people will come and go during this time so you do not need to stay to the very end. The bereaved family will usually stay throughout to speak to guests but don’t feel compelled to be present. Funeral visitations, where people visit the family at the funeral home, don’t last for a defined period. There’s no rigid etiquette for visitations, but most people stay for at least 15 minutes and many stay longer. People can come and go freely, and you don’t necessarily have to view the body. Factors That Influence A Funeral’s Duration Besides religious rituals, several other arrangements and settings can extend or shorten a funeral or memorial service. – Cremation vs. Burial Service Funeral services fall between two broad categories – a burial or a cremation. Burial services typically take more time than cremations because there are more things to get through. A cremation service usually culminates in a cremation without much delay. However, a burial often involves a formal gathering or funeral procession to the burial site after the service. – Elements of the Funeral Service A funeral home service will offer different services and assistance for conducting your loved one’s final service. They may offer standard packages that cover services that most families want. Funeral homes may also offer additional services like floral arrangements or larger halls depending on what the family desires. These added elements may extend a funeral’s duration and their absence can shorten the service. – Reception and Location When a funeral includes a separate reception or wake, it can add time to the proceedings. Similarly, holding the service and burial at different locations will require more time due to transportation and logistics. Funerals that host the service in one location (Eg. Funeral home) and the burial in a separate location (E.g. cemetery) will take more time considering the transportation and commute between the two locations. – Budget and Personal Preferences How long is a Funeral service can also be influenced by budget and personal preferences. Families aiming for an elaborate farewell might opt for a longer service, while those seeking simplicity, or adhering to a tighter budget, might choose a shorter ceremony. The funeral’s budget also influences the duration. Funeral homes and services charge by the hour for the duration you occupy the premises or use the facilities. A longer service implies higher costs. So, the organizing family’s budget also influences how long the funeral service lasts. – Funerals Usually Follow a Standard Structure While religious, cultural, and personal preferences influence the details, most funerals today adhere to a familiar structure that is both practical and comforting. In most instances, a small formal gathering ensues where a leader presides over or addresses the congregation based on the person’s religious preferences. Then, the body gets moved to the burial site or cremation area for the final act of goodbye. Some families may conduct a memorial or Thanksgiving session in honor of the deceased where close friends and family stick around to share stories, show support, and share good food. You can find this general structure
Cheap Funeral Cover for Extended Family- Get Covered Today
Cheap Funeral Cover for Extended Family- Get Covered Today Last Updated on: August 16th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Trying to Decide on the Right Funeral Cover for Your Extended Family? As your family grows and your responsibilities increase, it’s crucial to adjust your insurance coverage to ensure everyone is protected. Choosing the best funeral cover for extended family members can be difficult, given the variety of options available. Before making a decision, it’s important to gather all the necessary information to find Cheap funeral cover for extended family that fits your specific needs and provides the peace of mind you deserve. Let’s started, Get Free Quotes Customized Options Await Quotes Now Funeral cover for extended family Cheap Funeral Cover for extended family helps to pay the costs for a family member and relieves the financial burden on your family without the need for multiple policies. These features are the following: Breadwinner Benefit: If the main insured member dies, the policy will be paid up for the other members who are under the policy, based on the period of the policy. The policy also has provisions for spouses, children, parents, and parents-in-law if the death occurs within the first ten years of the policy year. After 10 years the remaining members of the extended family will also be included in this budget. Parent Benefit: A maximum of four parents (your own and your spouse’s) can be added under this benefit, and a separate premium will be payable for each parent according to their age. Extended Family Benefit: It is possible to add up to six members of the extended family and their premiums will be required depending on their age. Children’s Benefit: Stepchildren and adopted children are allowed to be included in the policy as members of the insured family. Accident Benefit: If the main policyholder passes away due to an accident, double the insured amount will be paid out. Funeral Cover… What Should You Keep In Mind? What is essential to think about when it comes to funeral cover? Funeral cover is the easiest way to make certain that you as well as your family are protected from death. When deciding on a funeral cover product, you have to prepare questions first. Think about what you would need and what would be vital to you in the event of a death in the family. These are such important points for you to take into consideration! Make sure that you purchase cheap funeral cover for extended family. – Is there an age limit? While most funeral covers do not require that you undergo a medical examination, there may be some limits that are applied based on age. For example, there is a limit on the cover amount children and senior citizens can get. By law, children under the age of 6 years old can be covered for R10,000, and children between 6 – 14 years old can receive a maximum cover of R30,000. Senior citizens can be covered once they have exceeded the waiting period. – What is the waiting period? The waiting period is a safety measure that is imposed by insurance firms to shield themselves against risky customers. This only tells you that when you have bought a policy, you cannot start claiming within the first six months. If you or any of your first-degree relatives die within six months then your claim will not be and your insurer will not be legally bound to pay for your funeral. However, if you or any of your extended family dies within the contracted six months, they will be covered. – Extended Family Members… Who Are They? Who exactly is an extended family member? An extended family member can vary from your parents to your domestic worker. You may be interested in learning what else you should be aware of when it comes to extended family members. The people in your life who you would like to make certain have a suitable burial are extended family members. Make sure that these people have a suitable burial! Why should you consider taking out Cheap funeral cover for extended family? A funeral can’t wait for months and most services are payable upfront. Including funeral cover for extended family members in your policy provides access to funds when you need it most and helps prevent them from taking out loans to host a respectable funeral. If you have family members who are approaching retirement age or are financially reliant on you and have never purchased a funeral cover, you can add them to your policy. Would your family have enough money to pay for your funeral if you had to die? If one of your loved ones passed away, would you have the money to pay for their funeral? If you answered no to one or both questions, it’s time to conduct some research and select a funeral policy for an extended family that’s right for you. How do you find the Cheap funeral cover for extended family? Keep on reading and we will explain. How to get Cheap funeral cover for extended family? You already know you need a funeral policy for extended family to ensure burial costs are taken care of, but you’ll also need to choose how much cover you require. Different policies provide varying levels of coverage to meet people’s particular demands and budgets. Remember that when you purchase Cheap funeral cover for extended family, you will be responsible for all the premiums, as the policyholder. It is a big responsibility. Thankfully, most providers enable you to reduce your plan, so if you suddenly can’t afford to pay the full amount for whatever reason, you can adjust your cover and or benefits. Comparing funeral cover quotes and benefits will help you determine which is the best funeral policy for your specific needs. Some of the things to consider would be: How many extended family members can be included
Above Ground Burial Vault: A secure and best Choice
Above Ground Burial Vault: A secure and best Choice Last Updated on: August 9th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote The final disposition of your loved one does not always necessarily need to be in the form of in-ground burial. Now, there are other options available that are more common than you may think. Above-ground burials. A question we often hear from families is, “Can you be buried above ground?” and the answer is yes, there are in fact a few different ways to have an above-ground burial. Let’s discuss the above-ground burial vaults. Get Free Quotes Customized Options Await Quotes Now What is an Above Ground Burial Vault Above ground burial vault, or mausoleum, is a very solid container, usually granite, that is used to hold one or more caskets for cremation niches. Above ground burials require a mausoleum, an above ground burial vault, or crypts or niches within a building or structure. Mausoleums are used for the above-ground placement of a casket or funeral urn. Caskets are placed in mausoleum crypts and urns are placed in cremation niches. Three types of above-ground interment are burial vaults, mausoleums, and columbaria. Interment is the burial of a corpse in a tomb or grave, usually with funeral rites (ceremony). Crypts can also be considered to be above-ground vaults or mausoleums, where the full or cremated body of the deceased is interred. In the United States, a crypt, or above ground burial vault, is typically referred to as a private mausoleum, individual mausoleum (single crypt), or public (community) mausoleum in which where the intact remains or the cremated remains of the deceased are entombed in containers typically constructed with granite. How works In any case, mausoleums or Above Ground Burial Vault is for above-ground placement of a casket. Caskets are placed in crypts, which are made of heavy materials like concrete (or stone, in ancient times). Crypts are built, shelf-like, from floor to ceiling and along each interior wall of the mausoleum. Some crypts are built to house two caskets, which is an option for married couples who choose to be buried above ground. – Above ground Burial Vault is Traditional Ground Burials A burial vault, otherwise known as an outer burial container has the purpose of protecting the casket from the earth and stopping the ground from sinking in above the casket. The material used is concrete and manufactured at the plant right here at the Gardens at a lower price for you. The concrete burial vaults are incredibly durable and meant to last for years to come. – Burial Vaults Help Preserve the Grounds Burial vaults are needed to safeguard the remains within. Burial vaults are also collective in-ground burials. Heavy maintenance equipment is used over the grounds for proper care. The extra container acts like a shield and helps keep water and insects out of the actual casket. Grounds crew works tirelessly to maintain the quality of Mobile Memorial Gardens. You can rest assured that the integrity of each burial remains intact through the permanence of our structures and the maintenance of our grounds. 5 Facts About Above-Ground Burials The final disposition of your loved one does not always necessarily need to be in the form of in-ground burial. Now, there are other options available that are more common than you may think. Above-ground burials, for example, have known origins linked to cemeteries creating an option for burials to happen above-ground due to floods. To continue to learn more about above-ground burials, here are five interesting facts. – It is considered a traditional form of burial Believe it or not, above-ground burials are just as traditional as in-ground burials. The difference? It all comes down to personal choice, but those who do choose above-ground burial will tell you it comes with many more benefits. It is considered more traditional because it is accepted across all major religions and most cultures. New Orleans, Louisiana, was nicknamed the “Cities of the Dead”, referring to the large quantity of above-ground burials that were assembled. – It requires a mausoleum entombment Above-ground burials require a mausoleum or Above Ground Burial Vault, a man-made structure within a building. Mausoleums are easily recognizable from traditional burials, as they stand out in beautifully architectural structures. Above Ground Burial Vault also come in the form of crypts that contain a casket with no vault. Cremated remains are also allowed in above-ground mausoleums, so you will not have to worry about not having this as an option. Companion units are most popular amongst larger families that desire to have a reserved section. One may then choose between a private estate or a public community-style chapel with a climate-controlled environment. – The cost will vary Although above-ground burials are considered an affordable option, the cost will always vary. One must first take into account the public or private preference, followed by the number of tombs, the type of shape and size, along with many other characteristics a funeral director can further explain through pre-need planning. In the end, you are getting what you pay for, so making the vast decision on the details of how you want your loved one memorialized matters. – Known as the only dry form of burial Above-ground burials are truly the only dry form of burial and are also the cleanest. They are especially useful in high-prone flood areas as they are kept at a higher level with concrete material. During rainy or colder seasons, families can comfortably visit their loved ones under a protected roof. Lastly, maintenance requires less lawn care. – Not all cemeteries can accommodate it While cemeteries offer different burial options, the cemetery may not always have the space for above-ground burials. In general, above-ground tombs are efficient in-ground space. Still, because they vary in size from the ground up, it could play a role in the cemetery grounds’ limited capacity. Talking to the cemetery staff about the space will
Best Free Burial Insurance for Seniors: Is it True?
Best Free Burial Insurance for Seniors: Is it True? Last Updated on: August 9th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Are you worried about the high costs of funerals? Discover the best free burial insurance options for seniors. It’s always comforting, for seniors and their families, to know that they have an insurance policy to cover expenses such as a casket, funeral, and burial plot. To answer the question of whether the best free burial insurance for seniors is available, or which policy is the most beneficial for seniors, this article compares the insurance policies available. Get Free Quotes Customized Options Await Quotes Now Is There best free burial insurance for seniors? Free burial insurance does not exist. To get insurance, you need to pay for it if you want insurance to meet your funeral expenses. Fortunately, final expense policies were created especially for seniors with a limited income, thus, they are cheap. People should be wary not to fall for these faked ads that you see so often in the mail and on Facebook. Best free burial insurance for seniors, is this true? It is crucial to note that there is no free burial insurance for senior citizens but there are ways that can be accessed to finance burial costs or lessen the load on the families. Social Security: The Social Security Administration provides a lump-sum payment of $255 to certain qualified beneficiaries for funeral and burial expenses. This amount is reasonable and will not be enough to cater for full burial expenses. Non-Profit Assistance: There are many Non-Profit organizations that help in Payment for funeral and burial expenses to those who cannot afford it. It can be helpful to look into any local support groups that may be available. – Life Insurance Alternatives Final Expense Insurance: However, unlike fully comprehensive policies, these policies are intended to pay for funeral expenses, and will generally have lower premium rates, therefore making them more suitable for seniors. Pre-Paid Funeral Plans: Another thing that might come up from some funeral homes is that they provide bundles where people can pre-pay for the burial services which will help to solve a lot of financial issues for the family. Savings Accounts: It is useful to save money for funerals occasionally or to put money aside for the expenses of the funeral period. Some people maintain payable-on-death accounts for such purposes. Although there is no best free burial insurance for seniors, considering such opportunities is to maintain costs and ensure that the remainder does not impose significant expenses on the remaining family members. What is burial insurance? Final expense or burial insurance is another type of life insurance that is suitable for seniors. The insurance assists in paying for any funeral-related expenses to relieve financial and planning stress on the survivors. Insurance plans cost between $18 and $286 per month for the elderly depending on the senior’s age, gender, health status, and desired level of coverage. As is the case with ordinary life insurance, these funds can be used to pay for any other debts that the person left behind had when they died. How Much Does Burial Insurance for Seniors Cost? Depending on the insurance company, the policy type, and your health profile, the monthly premium could range between $18 to $286. Your rate will be cheaper if you’re in good health and can answer no to the health questions that appear on the application form. Some insurance companies may ask for a medical test when applying for the policy while others may not. If you have lost weight or have had some chronic illnesses or are on some medication, the insurance company may put you on a modified or even a sub-standard plan, and hence, your rates will be higher due to health problems. Funeral Insurance vs. Life Insurance – Funeral Insurance Purpose: Covers funeral and burial costs to ease the financial burden on your family. Coverage Amount: Smaller, usually $5,000 to $20,000, covering funeral expenses. Qualification: Easier, no medical exam required, ideal for seniors or those with health issues. Payout: Quick, often within days of death, helping with immediate expenses. – Life Insurance Purpose: Provides financial support for your beneficiaries, covering living costs, debts, education, etc. Coverage Amount: Larger, from tens of thousands to millions of dollars. Qualification: This can be harder, and often requires a medical exam. Payout: Takes longer, usually several weeks to months. In summary, funeral insurance is for covering immediate funeral expenses with quick payouts, while life insurance provides broader financial support for your family with higher coverage amounts and longer processing times. Finding Affordable Burial Insurance for Seniors Burial insurance coverage is available in many forms and seniors have a wide array of choices. When it comes to that assurance, it’s wise to compare quotes from at least two or three suppliers to get the best suited for your needs and pocket. You can also consult with an insurance agent who will look for the options on his initiative and present you with those he or she thinks are the most suitable for you. Planning for Funeral Insurance It is therefore advisable for every senior citizen to consider funeral insurance when planning for their funeral. Funerals are costly and will leave your family in a very expensive position if you don’t make adequate preparations, this is not something anyone should have to experience especially during the time of mourning a family member or friend. To help ease the burden for your family member, it’s important to consider funeral insurance as one of the planning things to do when other preparations for the end of life are being done: Creating or updating your will Updating or adding beneficiaries to your financial accounts Transferring ownership of property or assets, such as a home or vehicle Updating or creating guardianship and other legal records, such as power of attorney (POA), medical directives, and trust documents How can we help you
Cheapest Burial Insurance for Seniors: Find Secure Coverage
Cheapest Burial Insurance for Seniors: Find Secure Coverage Last Updated on: August 2nd, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Looking for the Cheapest Burial Insurance for Seniors? Are you concerned with how funeral costs may affect your family or loved ones in future? Burial insurance doesn’t have to be expensive to provide comfort knowing your loved one’s final arrangements won’t burden them. So, let’s discover how one can get the required coverage for seniors at the lowest price ? Get Free Quotes Customized Options Await Quotes Now How To Find The cheapest Burial Insurance For seniors When it comes to purchasing any particular item, people know that they should compare offers provided by different companies. The same applies when searching for cheapest burial insurance for seniors. Finally, if you are interested in a life insurance policy that has no waiting period and is cheaper than all the other ones, you will have to contact an agent. So, it is also worth mentioning that most final expense insurance companies if they offer their policies directly to the consumer through the Internet or through the mail have a rule that if you are buying life insurance through them you will not be insured for the first two years because you are going to buy guaranteed issue life insurance which always comes with this waiting period. Plans like Colonial Penn are a perfect example. In most cases, only professional agents can offer the lowest rates and options that allow the policy to pay out the whole amount of the death benefit right away. But do not talk to any random insurance agent. Here are the criteria you should look for when selecting an agency to work with: Independence: Whenever you are in the process of sourcing for an independent insurance agency that will handle your policy, ensure that it has direct access to at least ten insurance companies. It will identify affordable providers for you from different telecoms and connect you to the best one for a cheaper price. So it is recommended not to use “attached” insurance companies. Captive insurance companies restrict their agents from presenting policies of any other insurance company. State Farm is an example of a captive company. Independent State Farm agents can only offer you insurance from State Farm. So, always make sure that you select a broker who has an array of insurers to sample before selecting the best one for a client. Reputation: One should take time and search for some of their previous clients to confirm whether or not they were satisfied with the services offered to them. A bad image usually points to the fact that the insurance company has low-quality insurance products and equally poor customer relations. Expertise: Ensure that you find one that focuses on funeral insurance services for seniors. That way, you understand that you are dealing with a professional and not any untalented beginner in the sector. An honest independent agent is your surest bet for getting the best life insurance for seniors. What Expenses Can Burial Insurance For Seniors Cover? A cheapest burial insurance for seniors policy can cover all the expenses associated with your funeral plans, including: Funeral costs Tombstones and other kinds of memorial gravestones Medical bills Transportation expenses Other receivables or bills, other current assets How Does Burial Insurance For Seniors Work? Cheapest burial insurance for seniors is a sort of complete life insurance that does not require a health exam. It’s designed to cover final costs like burial, cremation, and funeral charges. The payout, known as a dying benefit, is going at once to your family and can be used for any fees they pick out, no longer just funeral expenses. The coverage gives permanent coverage with fixed charges, that means your costs won’t exchange through the years. The coverage quantities normally decrease, frequently below $50,000, but they could offer peace of mind by way of overlaying essential costs. One advantage of affordable burial insurance for seniors is that it’s less difficult to qualify for, even when you have fitness issues. This makes it an awesome choice for seniors who may not be eligible for conventional lifestyle insurance regulations. There are two types of policies that are common among seniors. – Simplified issue These plans are the least costly and can provide an instant death benefit because the face amount is paid out from the first day (no grace period). You are not required to do a medical exam; however, you have to answer health questions. Simplified issue policies are also referred to as ‘no exam funeral insurance. – Guaranteed issue Often called “guaranteed acceptance”, these plans have no health questions because you cannot be turned down. They cost more than the simplified issue policies, and there is always a two-year exclusion on non-accidental death. During the waiting period, if you die, then the insurance company will only return the premiums that you’ve paid plus some interest. What need to know when buying funeral expense insurance? You can get best free burial insurance for seniors, but there are a few important things to know: Consent Required: They must agree to the policy. You can’t get life insurance for someone without their knowledge and consent. If they don’t want to participate, consider saving money or a pre-paid burial plan. Health Questions: For immediate coverage, they’ll need to answer health questions. Before talking to an agent, gather their health information to find the best options. Initial Agent Contact: Your parents don’t need to be present for the first call with an agent. For example, at Burial Senior Insurance, we can provide quotes and explain the process. When ready to apply, we’ll arrange a time with everyone involved. This ensures that the process is clear and your loved ones are protected. Factors That Affect the Cost of Burial Insurance There are several aspects that explain why burial insurance is more expensive than other types of policies. While numerous
Prepaid Burial Insurance: Ease the Burden of Loved Ones
Prepaid Burial Insurance: Ease the Burden of Loved Ones Last Updated on: July 31, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote There are several options when it comes to paying for your end-of-life plans. Worried about your funeral cost? Do you need to learn about the most effective strategy in regards to funeral/burial costs? As we don’t want to burden our loved ones with end-of-life expenses. Here the prepaid burial insurance plan comes, it’s essential to consider your financial situation, long-term goals, and preferences. Keep reading and learn more about prepaid insurance and how to plan prepaid burial insurance. Get Free Quotes Customized Options Await Quotes Now What is prepaid burial insurance? A prepaid burial insurance is just what it sounds like – funeral expenses you pay in advance when you’re alive and healthy. It involves making arrangements for funerals while waiting for your turn or that of a family member to die. The most compelling reason some people prepay for a funeral is so that you won’t have to worry that someday your family will be dealing with both a heavy emotional and financial burden while grieving. You might also be very organized and see this as a way of staying on top of things. But how to plan a prepaid burial/ funeral? Essentially, if you’re working with a funeral home, you have one step: Contact the place where you’d like your future funeral to be, and ask if they offer preplanning or prepaying services. You probably don’t even have to call and ask. Chances are, the information will be on the website. Are Prepaid burial expenses Tax Deductible? Many people have this question; “Are Prepaid burial expenses Tax Deductible?” It is an important question. Most funeral costs are not tax deductible for individuals, but under the circumstances, where the estate pays for the burial costs, a different situation occurs. The IRS has stated that for instance if the estate pays for funeral costs such as using a prepaid burial insurance plan, the estate can then use these expenses as a tax deduction. It is important to especially approach a tax specialist for any input as to what may be tax-deductible. Prepaid burial insurance plans usually cover these items: Many people have this question; “Are Prepaid burial expenses Tax Deductible?” It is an important question. Most funeral costs are not tax deductible for individuals, but under the circumstances, where the estate pays for the burial costs, a different situation occurs. The IRS has stated that for instance if the estate pays for funeral costs such as using a prepaid burial insurance plan, the estate can then use these expenses as a tax deduction. It is important to especially approach a tax specialist for any input as to what may be tax-deductible. – Funeral director and funeral home staff services When it comes down to planning and the day of the funeral not only do the funeral directors and their team provide direction and support for the family but the funeral director and or their staff could be on stand-by 24/7. They ensure that everything is well coordinated including flowers, clergy, speakers, music, and meals, to procuring permits and copies of death certificates among other things. – Transportation service to the funeral home Transportation to the funeral home and facilities provided for the beloved. In the case of death, the funeral home will pick that person from home or a health facility and then proceed to take that person through the necessary processes that will include dressing or even cremation before burial. The leading funeral homes have set down strict custody measures that will reduce the chances of errors or confusion. – Casket or cremation container If choosing the traditional burial or having a traditional service before cremation, selecting a casket is a critical decision. Caskets are generally made from either wood or metal and can range in terms of quality and cost. This is a legal requirement and may be in the form of an all-wood casket or a lower-priced cardboard container. – A cremation service and a container Basic cremation involves placing ashes in a basic plastic cassette. You may also choose an elegant wooden casket, a biodegradable scattering tube, or a conventional urn for the cremated ashes. These containers differ in price and can be of wooden, brassy, metallic, or glass construction or from some other material. – Venue for funeral A place where the funeral or the reception is going to be held. Most funeral homes have attractive chapels and contemporary reception halls which are suitable for memorials. Some have large patios, well-suited for outdoor parties, and other houses that have yards, which could accommodate a tent. – Transportation to the cemetery Some services include a procession to the cemetery. In those cases a hearse might also be required and transportation for the family. – Burial vault When it comes to in-ground casket burial, many cemeteries will require that body to be enclosed in a burial vault or an outer burial container. The vault assists in making the cemetery appear as clean as possible after they have been stripped by storms and other disasters. Other expenses like flowers, stationery, decorations, souvenirs for the family, and tokens for friends may also be considered in items that may be pre-paid. How to Plan prepaid burial Insurance Process To set up a prepaid funeral for the future follow these easy steps. – Research available options in your area Go online and search for various funeral homes or insurance companies to identify the variety of prepaid burial insurance that they offer. These points concern location, reputation, and the number and variety of services a company offers. Do not rush into selecting the first plan that you come across. The cost of funeral arrangements varies depending on the funeral home; therefore, one should obtain quotes from different funeral homes. – Schedule a consultation Ideally, the next step would be to set a
