Relieve an emotional burden from those you love.
Today more than ever before, people are taking steps to arrange for their funeral and final expense in advance of need. They realize the tremendous burden that comes upon their family from being unprepared. Pre-planning your funeral helps to ease the emotional and financial stress that can be a burden to your family at the time of loss. It is not unlike being responsible and planning for other expenditures you face throughout life. It is also more effective than providing instructions in your will. This is because pre-planning is more thorough and the wishes are more accessible at a moment's notice. It is during pre-planning that you make your wishes known, such as if you want a traditional burial and cremation. You also have the opportunity to make known your wishes concerning all the areas that would pertain to your choices. These would include the visitation, funeral service, casket, vault and place of service, just to name a few. Your family still has the freedom to personalize the service to meet their needs as well so that they can say goodbye in a way that is meaningful and appropriate to them.
Relieve a financial burden from those you love
Pre-planning is designed to allow you to pay for future needs at today's cost. If you choose to pre-pay the funeral, you are investing the money into a burial trust program that is designed to keep up with the cost of inflation. Your family will not encounter any unanticipated expenses and the funeral is guaranteed paid in full.
There are many ways to pre-pay a funeral. The programs are designed to allow you to pay one lump sum, pay on payment plans or even design the payments to allow them to come from the estate or already-owned private insurance. It is our responsibility to explain all of your options to you and let you decide which is best for you.
Express your own wishes
The benefits to pre-planning also include protection for assets from Medical Assistance, SSI, Pace and fixed income housing. If you have a concern for any of these areas, we will be glad to help explain the advantages of pre-planning/pre-funding; all options of choice including burial and cremation, funeral cost evaluation, evaluating funeral merchandisers, bereavement counseling/support groups and speaking to civic or social functions. Please feel free to contact us.
Pre-planning is a program approved by the State Board of Funeral Directors that allows families to document what their funeral wishes are for themselves or their family members. This also allows assets to be protected into an Irrevocable Program. Once the program is established the interest in the burial trust account will cover all future inflationary costs. There are several types of programs available.
One of the programs we most commonly use is the Loyal Christian Benefit Association (LCBA). This association is based in Erie and serves many states, besides Pennsylvania, for their pre-funding needs. A second program is a bank trust established through PNC. Both programs are specifically designed to support funeral planning.