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Use of picnic tables is normally free or very low cost.
Usually once they get close to 100 yrs old, none of their friends are still alive and in many cases, their children have passes and it's the grandchildren planning the funeral. I just don't see the point in taking out a loan to put on an extravagant funeral. It doesn't mean you love them any less or that their life was not important.
FH very well know this. But the staff are all commission driven so too bad so sad.
also the preneed policy has to be for direct funeral / burial costs, so no floral, no police escort, no celebration of life type of catering cost in the policy.
You can pre-pay and even get financing.
Also included: will, health care directive, assignment of power of attorney and designation of children as equal recipients of assets.
Its too late to arrange this after a LO has died but hope it outlines process for avoiding the dilemma you describe.
If she her income is so low that she qualifies for Medicaid now, any amount in her bank account that you try to put up for the funeral would be countable and possibly put her over the limit ($2000, I believe).
The third option is donate body to science. If accepted, find out if that will include cremation at no cost to the family. Or just opt for cremation for her and do a memorial service for family and friends after the fact. Price cremation services in your area at local funeral homes. Some people do a small service with the body present and cremation follows the service.
I would start talking to funeral homes so you can figure out what you can afford. You can also price coffins online that can be sent to the funeral home you use. Quite a savings like that.
Or
https://www.neptunesociety.com
If Mom or Dad was a veteran, there could be funeral benefits.
Why take out a home loan if her mother has no money? Family may pool together money they may have to pay for pre-paid funeral or minimum for cremation.
Here in Florida, the least expensive option is direct cremation, no ceremony, no frills. I shopped around several companies/crematoriums as prices varied widely.
You don't even have to spend the money on an expensive, optional urn. I paid around $900 in total for the most basic service. That included the ashes being returned in a plain white box.
You will also need certified death certificates. They run around $10-15 each depending on region.
Actually, my father had always wanted to donate his body to medical science and I fully intended to honor that wish. I had researched it and the cremation would have been free. However, he died shortly after the initial coronavirus lockdowns and donations were not accepted at that time.
My brother died last year. Cremation plus 25 death certificates was under $700. The ashes came in a plastic bag that was housed in a plastic box. A friend made an urn that houses the plastic box. She still has some death certificates in case she needs them. I live in one of the costliest states in the nation.
On a more interesting note, a friend of mine is slowly scattering his Dad's ashes. His Dad loved travelling. Hence my friend takes "his Dad" on vacation with him and scatters less than a teaspoon of the ashes on the ground near plants when he visits different areas while on vacation. Otherwise, the remaining ashes are in a discreet area in his house. He says this also encourages him to visit different places for vacation.