Tag Archives: preplanning

Lets go shopping for graves and caskets…

“Let’s go grave and casket shopping.”

Did you ever wake up on a bright, warm sunny spring day and turn to your husband or wife and say “What a nice day.  Let’s go grave and casket shopping.”?

Probably never is my guess.  Nobody likes to think about death in general, and specifically, their own death.  For many families, discussing one’s own mortality would not show up on a list of their top 100 things to talk about this week.  Until a death occurs.  Then, making cemetery and funeral arrangements jumps sorrowfully to number one on the list.

By pre-planning for your funeral and cemetery needs, you can relieve your family of having to make important financial decisions during a period of great stress and grief…a time when people aren’t thinking very clearly and may not know what to do because you never made your wishes known.

It’s easy to say, “Throw me in a bag in bury me in the woods,” which is a direct quote I heard once from a husband who was dragged by his wife to the cemetery to look into prearranging for their final wishes.  It was good for a laugh, but even he knew that his comment had zero merit.  But it is important to realize that the ritual of a funeral and/or memorial service isn’t for the deceased but for the living. It is a time when friends and family can gather together to grieve openly and to provide support for one another.

Pre-planning your funeral may be very informal, and as simple as filling out a Family Estate Planning Kit that is free from Calumet Park for the asking, and sharing your wishes with a family member. More formal arrangements in the form of a preneed contract can be set up with a Family Service Counselor or funeral director at Calumet Park Cemetery, Calumet Park Funeral Chapel in Hobart or Merrillville, or Rendina Funeral Home in Gary.  You can design exactly what meets your needs and financial situation.

And for those who want to relieve their family of the financial burden that goes along with making cemetery and funeral arrangements, you can take advantage of Calumet Park’s no interest payment plan that allows one to freeze the price and have their money trusted until needed at 1st Source Bank in Valparaiso.

Pre-planning, when done properly, can provide you with peace of mind because you know that your arrangements are ready when needed, and pre-funded, which means no worries about getting what you want if a death occurs unexpectedly and your bank account is not sufficient to meet the costs of even a simple funeral.  As with nearly all products and services, inflation drives the cost of funerals up yearly.  Preplanning and prefunding your final wishes ensures that your funeral is paid for at today’s prices.

While many people assume savings or life insurance will cover their final expenses, funerals must be paid for upfront, while many life insurance policies or bank accounts are not accessible to families until well after the funeral services are rendered.

 

 

By pre-planning your final wishes, you can:

  • make all the arrangements during a time of peace and not leave them to your family during their time of grief
  • make your wishes known
  • control the cost of your funeral and protect from inflation
  • ensure that personal records are organized and easy for your survivors to locate
  • protect your insurance so that it provides for your survivors and not for funeral expenses
  • provide protection in case the need arises before it is expected

Most people are not aware that over 150 decisions and tasks must be completed within the first 24-48 hours after an individual’s passing.  By arranging ahead of time, you can ensure that your loved ones will not have to wrestle over those details and decisions during their time of emotional upheaval.   The opportunity to know that everything is taken care of will allow proper remembrance and the first steps of healing.

All of your arrangements are guaranteed with Calumet Park and Affiliates preneed program and will be carried out just as you have directed.  You and your family will feel comfortable knowing that, when the need arises, all is taken care of and they can spend time celebrating a life that was lived and leave the grieving to the future.  Few people ever get over the loss of a loved one but a funeral helps to transition from life with a loved one to life after a loved one passes.

Pick up your phone today and call 219-769-8803 to speak to one of our professional and caring Family Service Counselors or funeral directors.  You have nothing to lose by at least allowing yourself a little time to have your questions answered, and if the answers meet your needs, you can make it possible for you and your loved ones to never have to talk about the subject again…until a death forces you to face the issue.  Be like so many of your neighbors who say “It is better to have it taken care of and not need it than to need it and not have it!”

 

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Filed under Calumet Park Cemetery, Calumet Park Cemetery in Merrillville Indiana, Calumet Park Funeral Chapel in Merrillville Indiana, Calumet Park Funeral Chapel of Hobart and Portage, Calumet Park Funeral Home, feature stories, Rendina Funeral Home, veterans at calumet Park cemetery, Veterans benefits

Why have a passion for helping people preplan their funeral and cemetery arrangements…

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Megan Coyle Stamos, from Coyle Funeral Homes in Toledo, Ohio states:  “I want to tell you why I have a passion for helping people plan and pay for their funeral arrangements in advance.  I grew up right behind the funeral home on Reynolds Road and was around often, playing in the parking lot, behind the scenes.  I saw so many families overwhelmed with grief, confused, scared, in shock, because of the loss of a loved one.  I witnessed distress and arguing over who would pay the bill, over what kind of service or casket their mom wanted.  I knew I wanted to help…”

Call us at 219-769-8803 and visit us at calumetparkcemetery.com

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Are you kidding me? Who’s gonna do that?

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Imagine this scenario.  You go into a new car dealership tomorrow.  You sit down with a salesman and you tell him or her that you want to buy a car and you have $25,000 cash in an envelope.  You will agree to give them the cash now but your condition is that you don’t want to take delivery on your new car for ten years. And, you want the current model at the time you choose to take possession.  For instance, you want to give them $25,000 today and when you walk into their door in the year 2023, you will want to be able to pick up a 2023 car, not a 2013 model.

Thus, “Are you kidding me?  Who’s gonna do that?” or something less polite will be your answer to such a proposition.

Well, there’s your first reason why you should consider pre-arranging for your cemetery and funeral needs.  We will do exactly that…we will help you arrange exactly what you want as your final goodbye and you can pay for it in 2013 dollars.  If you don’t need to make use of your arrangements for 10 years, or 20 or 50, you will never pay another dollar and the savings to your family will get bigger and bigger the longer you live.

Reason number two as to why you should pre-arrange is that you can make arrangements with Calumet Park for a small down payment and monthly payments for up to 60 months with zero interest.   Who is going to lend you money for free?  Seriously, who?   When you wait until you need it, cemetery and funeral arrangements must be paid for on a cash basis.  After all, a cemetery or funeral home can’t send mom or dad back to you if you don’t “pay up”.  Don’t pay your house or car payments, they take your house and car back and don’t refund a penny of your money.

A third reason for considering pre-arrangements is the opportunity to make cemetery and funeral arrangements together.  As a married person, think of all the decisions you have made together throughout your lifetime.  I can’t tell you how many times the following phrase has been overheard at a funeral luncheon:  do you think she would have liked the service (or casket etc.)?  The only one that can tell you what they like or would have wanted is the person you are married to.  Give each other the chance to do that by deciding together.

For single people, who will take care of things when you are gone?  If you don’t tend to them yourself, then you are shifting the responsibility to someone else.  Sure, they will handle things, and sure, they will help out of love for you, but is it their responsibility?  And could they afford to pay for a funeral.  Ask the person who would be in charge if they could write a check right now for $10,000 for your funeral.  In fact, could you write a check right now for your funeral?

Reality checks hurt, don’t they?

A fourth reason to consider preplanning is to conserve your insurance and let it be used for the reasons you bought it for in the first place.  Life insurance is actually for those left behind.  It’s not called death insurance.  Insurance is meant to replace lost income and let those you love continue their lives in the style and manner that you helped them be accustomed to while you were alive.

One of the most important reasons for planning ahead is to avoid emotional overspending.  Sometimes out of guilt, but mostly out of love, people tend to overspend on funerals when they must meet with a funeral director immediately following the loss of a loved one.  By having things arranged, your survivors will accept all of your decisions at face value as you are the one that picked out the casket.  You are the one that decided on the kind of funeral service you wanted.  You are the one who decided on cremation, or burial, or entombment.  Pre-arranging amounts to a declaration of your right to have exactly what you want.

Peace of mind has a great deal of merit.  To feel the peace that one experiences knowing that everything is done in the manner desired and at the price you want to pay is worth a great deal.  Leaving your loved ones with the knowledge that you got exactly what you wanted is worth overcoming your fears or superstition.  It is a wonderful gift to leave behind…a gift that won’t be appreciated until the time of need is upon your family.

If you have any questions or wish to learn more about pre-planning, call 769-8803 and remember to find us on facebook at mycalumetpark, and if you are a veteran, Calumet Park Cemetery and Funeral Chapel has a very special program designed just for you that may save you over $5000.

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Filed under At need, Calumet Park Cemetery in Merrillville Indiana, Calumet Park Funeral Chapel in Merrillville Indiana, Calumet Park Funeral Home, feature stories, Funerals