Immediately following the death of a loved one, a whirlwind of activity must take place. To help you through this confusion, we have prepared a simple checklist for your use.
Social Security Benefits
Your funeral director will notify social security for you, however you must contact them and apply for any benefits if eligible. No letter is needed for social security. To make an appointment, simply call (800) 772-1213.
Life Insurance Benefits
Each Life insurance company either has an agent that you may contact or an 800 number to call. Simply contact the company, have your loved ones Life Ins. Policy number, social security number and date of death available as these will be items they will ask for.
(your funeral director will explain the benefits available regarding burial, flag, marker and honor guard for your deceased loved one) Other VA benefits may be available outside of these mentioned. Here are some Toll Free Numbers to help.
Health Benefits 877 222-8387
VA life Insurance 800 669-8477
Serv. Group life 800 419-1473
Or Locally 805 385-6366
Most employers have a contact person inside the company that will help with benefits such as a human resource specialist, a phone call or letter will help here.
(Sample Letter) Dear...
This is to inform you that (deceased) passed away on (month, day, year). Please tell me of any employee benefits such as group life insurance, pension funds, accrued vacation or sick pay, disability pay, credit union etc and whom they are payable. Please send me a list of documents that you will need and forms that I must complete as beneficiary.
Here we have compiled a checklist that will help you get everything in order after the death of a loved one. Though we try to be as thorough as possible with what you may need to do to get everything in order lawfully, this list may not be fully comprehensive.
- Obtain copies of Death Certificate
- Make copies of dated obituary notice. Some Life Insurance Companies ask for a copy.
- Check contents of safe deposit box.
- Review Will / Trust / Power of attorneys with attorney if needed.
- Make copies of birth certificates and marriage certificates. Some Insurance Companies and Social Security will ask for these.
- Assemble all Life Insurance Policies.
- Locate DD 214 Military Discharge Papers. Your funeral director will need a copy.
- File for Life Insurance Benefits.
- File for Social Security Benefits.
- File for Veterans Benefits.
- File for Fraternal, Union & Association Benefits.
- File for Employers Benefits.
- Contact creditors.
- Check Health Insurance continuation.
- Transfer house and car title into your name.
- Establish credit in your name.
- Review your Life Insurance Policy beneficiaries.
- Review your Will.
- Rose Family Funeral Home is pleased to continue its tradition of caring through this helpful checklist.
Many people choose cremation for different reasons; some people feel it’s an eloquent, yet simpler tribute. Whatever your reasons, we’d like you to know that cremation is something we specialize in. No matter how simple a ceremony you’re looking for, we’ll make sure that it’s personalized and dignified in every respect.
Cremation is an ancient art. Scholars generally trace the origins of cremation to clans in Europe and the Near East who lived during the early Stone Age—approximately 5000 years ago...
Why do people choose cremation?
Most reasons for choosing cremation are highly personal. Some feel that it is a more natural way to deal with human remains. Some have environmental, land use or religious reasons. Others say they are seeking to minimize cost and to make end-of-life details easier to handle. Still others are attracted to the flexibility created by cremation -especially the options for handling remains.
How does the cost of a cremation compare with a burial?
In recent years, the average cost of a cremation has been substantially less then the cost of our least expensive funeral and burial. As with a traditional funeral and burial, it is important to note that the overall cost of cremation can vary dramatically with choices made about service versus no service, viewing versus no viewing, burial of the cremated remains at a cemetery versus scattering or returning the cremated remains to the family, type of urn, style of ceremony, type of memorial and so on.
Does cremation conflict with religious teachings?
There is a great difference of attitude among various religions. Some discourage or prohibit cremation. Others require it. Most, however, leave the choice to the individual or family. If religious issues are of concern to you, we would advise you to speak with your clergy.
Does cremation require embalming?
No, but embalming is necessary when arrangements include a ceremony with a viewing.
Is a casket required?
No, caskets are optional—although there is a legal requirement for some sort of rigid, combustible container. There is a wide selection of caskets and other containers that are designed specifically for cremation (very little metal). The choice of casket or container used is a personal matter that is usually decided by the family.
What is the process of cremation?
Cremation, like burial or entombment, is an option for handling the deceased's body. Cremation occurs when the body is placed in a cremation chamber, where through intense heat and evaporation, the body is reduced to it basic elements. These basic elements are generally referred to as cremated remains. Many people commonly refer to cremated remains as ashes; the remains are actually bone fragments. The bone matter, which usually weighs between three to seven pounds, is then removed from the chamber and processed. Processing removes foreign matter from the cremation container that are generally mixed with the cremated remains. Then, the cremated remains are placed in the urn or containers selected by the family and returned to the funeral home. The funeral home will make necessary arrangements for disposition as selected by the family. The family may choose from burial at a cemetery, scattering in a garden or other area of a cemetery, they may take them home or have them scattered at sea or where allowed by law.
Is it possible to have funeral services if I choose cremation?
Yes, cremation in no way limits your choices regarding viewing or funeral services. Cremation is a process that takes place after services have been held and then a choice of final disposition of the cremated remains is made. Cremation may follow a traditional service in the funeral home chapel or in your own church with visitation and viewing of the deceased in the casket. This may be followed by a witness cremation at the crematory or the services may conclude at the church or funeral home chapel. Another option is to have a memorial service in the funeral home chapel, your church, a lodge hall or other suitable area. The body is usually not present at a memorial service, but the cremated remains may or may not be. In this situation, there may or may not be visitation and viewing of the deceased at the funeral home sometime before or after the service. Other options may include no formal funeral or memorial service, but rather a gathering of friends and family and a time of sharing and remembering. Sometimes, the family may choose to have no gathering at all.
How do I preplan emotional and financial protection for my family?
By preplanning and filing a funeral plan with a funeral home, you provide several major courtesies for your survivors. Your family will know for sure what your wishes are, as most people discuss the plan once its completed. Your survivors will be bound legally to follow your wishes, unless extenuating circumstances prevent it. The funeral home or cemetery will then become your agent, ensuring that your plans are carried out. If you have set money aside to pay for services, you will have also saved your family from the financial burden of funeral expenses during an emotional time in their lives. There are dozens of separate decisions and choices to be made when death occurs. Most of these can be made in advance and kept on record at the funeral home. Our funeral director can show you a complete list of services and merchandise available as well as current pricing. You can also decide about visitation or wake plans, and how and where the funeral is to be held. Some people select their casket, vault, memorial folders, and prayer cards in advance. Each individual can decide how many decisions about their funeral they wish to make in advance. Pre-financing is also helpful in preventing inflation. Pre-financing arrangements with our funeral home guarantees the final expenses paid for and selected by your family.