N Chelmsford, MA Funeral Homes Can Advise You on Paying for a Funeral
If finances are tight and you have to plan a funeral for a loved one, funeral homes in N Chelmsford, MA can advise you of financing options. You can have a meaningful funeral or memorial on a budget. Remember, your loved one is deceased; you will still miss them regardless of whether you spend $1,000 or $10,000+. Funerals are really for the living - a time for family and friend to come together in remembrance of the deceased.
N Chelmsford, MA funeral homes are just like any other business and requires payment to stay in business. They realize that people who come to see them are grieving and will do what they can to help you create a meaningful funeral that you can afford. Different options, services and packages are available at different price plans so there will likely be something that fits within a budget you can work with.
Funeral Homes in N Chelmsford, MA - Working with Insurance
Does the deceased have a life insurance policy? If so, funds from the policy could conceivably cover funeral expenses. N Chelmsford, MA funeral homes can contact the insurance company in question and determine if the value of the policy as well as its terms can cover the funeral. It is important to go through the deceased's files and paperwork to locate any insurance policies that might help with funding. Sometimes, people even pay for pre-need funeral insurance and forget about it.
Funeral Homes in N Chelmsford, MA Can Provide Possible Charitable Options
If the deceased was indigent and on any type of social welfare program, it is possible that some government money may be available to offset funeral expenses. N Chelmsford, MA funeral homes can apply for state funds on your behalf if the family truly has no financial means to pay. The most the state of N Chelmsford, MA might contribute is $1,100 and the family can contribute up to $400. This amount of money will not be able to fund a full traditional funeral with casket and grave but funeral homes in N Chelmsford, MA can present to you some options that any financial assistance could cover.
If the state does not or cannot provide any type of financial aid, the next step would be to apply for any local or county level assistance. The funeral director can help you pursue this particular avenue of funding. If there is no funding whatsoever available, N Chelmsford, MA funeral homes will advise you to contact the department of social services or welfare about indigent burial or cremation.
Depending on where the death occurred, there may also be some charitable institutions that might be able to offer some help. There is no guarantee of any charity but the funeral director may have contacts to determine whether any assistance is available.
Guidance by Funeral Homes in N Chelmsford, MA for Bank Financing
Bank financing in the form of a loan is a possibility, although not likely. It would depend on your credit history, salary and assets. N Chelmsford, MA funeral homes will likely suggest that you avoid this option as if you cannot afford to pay for the funeral now, then how would you be able to afford a loan payment? In rare cases, some funeral homes in N Chelmsford, MA offers in-house financing or installment payments but it is not common. While this may be upsetting, it does prevent bereaved families from making a poor decision.
N Chelmsford, MA Funeral Homes Might Suggest Credit
Probably one of the least appealing options for financing a funeral, credit cards could help. However, it is important to use one with a low interest rate or one with a low credit limit. This might help you keep spending to a minimum. Funeral homes in N Chelmsford, MA often accept credit cards but keep in mind that you will likely be paying on the funeral for a long time to come. Considering all other finance options first before using a credit card.
Look to Military or Service Organizations for Financing
Sometimes, an honorable discharge from the military or even membership in a civic or service organization can be a good reference for possible financial aid. If the deceased was in the military and honorably discharged, the N Chelmsford, MA funeral homes would need a copy of their discharge papers to determine what they might be eligible for funeral-wise. In some cases, a discounted or free interment and burial in one of the nearby state or national cemeteries in the area may be available.
Dutiful service in a civic organization could also be a means of garnering some financial assistance for a funeral. Each entity is different so you will likely have to inquire on your own to determine if any help could be provided. Funeral homes in N Chelmsford, MA can also help you apply for the Social Security death benefit if you are the surviving spouse or child of the deceased. However, the $255 benefit will not cover much.
A funeral does not have to cost a lot of money in order to be meaningful. A funeral director can guide you and present options that you can afford. Because no casket or burial liner is required by state law, you might save money be renting a casket for viewing only or choose direct cremation with a memorial service at a later date. N Chelmsford, MA funeral homes will assist you in the planning of an affordable, yet meaningful funeral for a deceased loved one.