Funeral Pre-arrangement and Senior Care Services
What
is pre-arrangement?
Pre-arrangement
is the planning of funeral services before the need arises,
often years before a death occurs. A funeral director will record
your wishes for the type of service desired, music and flowers,
casket selection, people to involve, clergy or religious preferences,
veteran considerations, and other details. You and your family
then receive a copy of these preferences; the funeral home keeps
a copy as well. We suggest keeping these records in a place
that surviving family members will be able to access.
Why
should I pre-arrange?
Many people decide to pre-arrange funerals to relieve their
families of having to make these difficult decisions during
their time of grief. Pre-arrangement is also possible for those
considering cremation. Pre-paying allows you to eliminate yet
another worry for your survivors. If you are interested in pre-arrangement,
please discuss it with your family first. We can help you with
pre-planning and guaranteed funding options.
It is a good idea to let your family or other persons close
to you know about your wishes. This will eliminate any added
stress to your loved ones at time of death.
A
complete general price list is available upon request. In most
situations, funds invested today, in compliance with New York
State Department of Health, will be sufficient to cover the
total cost of the funeral at time of need.
If
you would like to begin the preplanning process please call
us at 914-232-3033 to discuss your wishes.
Funeral
Planning
What are my choices?
The
total cost of a funeral will depend on the choices made by those
responsible for its planning. These choices can range from a
funeral or memorial service, a casket or urn, clergy fees, and
many other options. All these expressions of remembrance should
be made freely, after thoughtful review of the many choices
available and their associated costs.
These costs fall into three basic categories:
1.
Use of the funeral home facilities and equipment
2. Professional services of the funeral home staff
3.Arrangement and Supervision
4. The merchandise selected
The
assistance given to the families we serve will never be influenced
by the amount spent on the funeral. Every family receives unlimited
assistance and full attention based on their needs and wishes
– regardless of the choices made.
Do
I have to pre-pay?
No,
although many choose to for a number of reasons. Because pre-financing
ensures funds are available when needed, the family’s
financial concerns are alleviated, preventing an unnecessary
burden at a time of loss. Pre-financing also can help offset
inflation, allowing you to guarantee tomorrow’s cost at
today’s prices. Additionally, some choose to pre-finance
to preserve one’s Medicaid or Supplemental Security Income
(SSI) eligibility.
Guarantee
We
guarantee the delivery of service and merchandise selected in
the Pre-arrangement when paid in full at the signing of the
Pre-arranged goods and service statement.
Our guarantee is that the balance including interest in the
Pre-financed trust will pay for the funeral selected. If certain
merchandise is no longer available it will be replaced with
like or better merchandise.
If you would like to begin a preplanned arrangement please call
one of our directors at 914-232-3033.
Funeral
Pre-Arrangement/ Pre-Financed
The
master trust we use is F.D.I.C. insured and meet all the standards
and is acceptable to the New York State Department of health.
Trusts can be revocable or irrevocable. In most cases, they
are revocable, meaning that funds can be withdrawn at any time.
At the time of death, however, these funds can be paid directly
to the funeral home upon presentation of death certificate,
assuring that your funeral expenses are taken care of properly.
Often trusts are used to protect an individual’s assets
and to solve some estate consequences. For those in nursing
homes, for instance, this method helps ensure that funds will
be available long after all other finances are depleted, as
well as preserve Medicaid or SSI eligibility.
Senior
Care Service
At
Clark Associates Funeral Home we are able to offer specific
insurance products through our general insurance agent.
These products are specifically geared towards senior or elder
care.
We offer these insurance products through a New York Insurance
company that is rated A and M Best A+. As New York Health and
Life agents we offer, Long Term Health Care, Medicare Supplement
and Term or Whole Life Insurance.
These products are presented to assist our client families to
prepare a comprehensive program in conjunction to pre-planning
their funeral arrangement.
If you would like to begin the pre-planning process please call
914-232-3033 to discuss your wishes.
STAFF 