Anyone had success getting a parent to pre-plan their funeral?

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Anyone had success getting a parent to pre-plan their funeral?

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My 96 year old mom, who lives with my husband and I, doesn’t seem to want to pre-plan her funeral. She says she doesn’t really care, but I want it done because as POA, I can’t write a check from her account after she dies. I thought it would make things easier after, because it would be paid for already. Will a funeral home wait for payment until the will is probated? Or will I have to pay from my money and TRY to get reimbursed by my 5 siblings?

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Your mother may not care, So, you do the planning, keep it simple, does she care if she is cremated or buried? is she religious? Does she want to "take anything" with her? Like a ring, dress, etc. My late sister-in-law was cremated, no urn, just a cardboard box, which we wrapped in her favorite fabric. She was a quilter.

My aunt in Dallas Texas died the first of June. To pick her remains up from the hospital, and cremate her cost $800.00. My cousin had an open house at her home, and catered it with her favorite restaurant. As I have said here before, he put her cremains in her favorite cookie jar. It seemed perfect to him, another cousin, and myself. She already had the plot and it was going to cost $2,000 to open and close it.

You can spend as much or as little as you want. I do recommend getting your ducks in line now, before you need to do it in the midst of your grief.

I often think that all of us on this forum need to think of these things too.

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As her POA just go to a funeral home & do it - if she is reluctant then let her be - go mid range price wise then it is done - your choice as to whether to tell her or not after the fact -

Maybe you & hubby could do yours at same time so she won't feel you are rushing her into the ground so to speak & if you do it that way then I'd tell her it was a group deal & maybe you could get a group deal with 3 being done at same time

Do you have a plot? - will she be cremated? - church service etc etc - these are questions that need to be discussed before you sign anything

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L84dinner, you are correct that you cannot write a check from Mom's checking account. But if you are the Executor of Mom's Will, you can take all the money from her checking account and place it into an account that says Estate of ______. The bank will want to see the Will or if your State requires Probate [with or without a Will] then you can given a certificate from Probate that you can use. The bank will also want a copy of the Death Certificate.

I was able to do the above for my Dad, where I could write checks from the Estate account while it is in Probate. Thus, any bills that came in for my Dad, that account paid the bills. I also kept copies of the bills and copy of the checks for later reference.

As for paying for the funeral, it depends on the funeral home. I know some cemeteries will require full payment on the day you purchase a plot.

Your Mom would need to let you know if she wishes to be placed in a cemetery or instead have her ashes scattered. I know some elders prefer not to talk about this subject. If she says she doesn't care, then honor her wishes and do what you think is best.

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I called the Funeral Home to ask about pre-payment for my Dad after my mother passed away. They came to the house and we discussed our needs (Pop was Jewish) and due to his current health at the time, we were allowed to pre-pay for his pending funeral.
His health improved and he lived another 7.5 years - but the funeral was already paid for.
What happened with me is, I told the Funeral Home that if it became necessary for Pop to go to a Nursing Home, the government would not leave me enough to pay for his funeral and they agreed.
You can go as cheaply or as expensively as you choose. My father wasn't supposed to be cremated or embalmed (Jewish), plain pine box (they had a wooden box that was cloth covered) and he had to be in the ground within 24 hours - No Funeral Parlor. $2500, 7 years ago.
More recently my DH passed and I did Cremation/no embalming - under $1500 and I went to LivingUrn.com and for another $159, I am planting a tree with my DH's ashes. The Funeral Home did the cremation and transferred the ashes to my Living Urn.
At least this should give you some idea of what you can do. To my knowledge, no Funeral Home will be willing to wait a full year for Probate to find out if there is any money. Most want to be paid within a few weeks or they can arrange financing for you. I used my Charge Card both times.

P.S. After reading some of the other answers - I didn't want my DH to be 'dressed' for cremation - that made no sense to me. Embalming didn't make sense either if he was to be cremated. Dressing & embalming cost extra and for what? Just FYI and what I did.

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I have a joint account with my mother for these kinds of things. Can you make her agree to make a joint account with your name on it? You can tell her it's for 'emergencies', which is pretty much true... in my opinion. 🦋

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Be careful how you have the account set up. If it isn't correct, the money could be frozen on her death.

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My husband's parents had their sons go make the plans and they paid for them. It was part of their Medicaid eligibility process.
If you have POA and can write checks on her account now, why not just go do it yourself? She may not care what you plan, but may be quite happy to pay in advance.
Our local funeral homes expect payment up front, unless you assign them life insurance or make arrangements prior to services.
If you do pay personally, you should be able to be reimbursed by her estate; but it would be easier, IMO, to do the pre-plan.

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Since I had POA, I went to the funeral home and made the arrangements before my dad passed. From previous discussions, I basically knew what my dad wanted.

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My mom is 97 and wants to be cremated and no service. Cremation w/out a service in our town runs about $800 to $1500 depending on type of urn or box to hold ashes. That also includes a number of Death Certificates. She has no friends left, only family. We will probably have a lovely Celebration of Life Memorial for her when the time comes. If your mom doesn't care, keep it simple.

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Yes! My late mother had wanted to pre plan her funeral while I was living with her as I had to move in with her from my state. I was really dreading it. We sat down with the substitute funeral director as the regular director had died unexpectedly while atteding a wedding! Horrible. We go to the funeral home and I'm thinking "I just CANNOT look at a casket." Did not have to as there was a book and my late mother said "I think I'll be more comfortable in that one." My response="How will you know?" All 3 of us laughed and mother and I went out for lunch and ice cream. 180 degree expectation for me!

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Grief twenty years ago caused me to spend well over $20,000 for my husband's funeral. He had wanted to talk about pre-plans and brought the subject up one day, but I could not handle it.

One of my children now works in a funeral home, a very good family-run home and has since counseled me on how many places take advantage of loved ones in their grief.

I am not at all good with death. Luckily, my mom and dad purchased their own burial plans many years ago. Dad is gone; Mom is still going strong at 93. We have four plots together already paid for, and headstones already down. Dad and my husband are in 2 spots, which leave 2 for Mom and me. So there wouldn't be too much left for my expenses, but I haven't done it yet either. (And, depends on my mood, Mom and I often argue, so not sure I want to be buried next to her "for all eternity" :). We will see.

Recently, one of my friends told me all about having purchased their mother's casket online (and apparently vaults are available as well). She had the casket delivered right to the funeral home... a very nice one for much less than would be available at a home.

Anyone had success getting a parent to pre-plan their funeral?

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