Planning a Funeral when the Deceased Has No Money
In an ideal world, a loved one dies and has the money set aside to pay for the funeral arrangements. In the real world, many deaths are unexpected and funeral costs have neither been prepaid nor saved up for in the deceased's bank account. This leaves close family members saddled with the costs of a funeral. Although many Bayard(NE) funeral homes offer prepaid funeral arrangements, many people fail to purchase the plans because they don't want to think about their own deaths, or they just never had the money to invest in prepaid funeral arrangements.
Funeral homes in Bayard(NE) understand that not every client will have the money necessary to pay for a service. This has led some homes to offer a line of credit or create low cost packages for clients. When the deceased has absolutely no money to help offset the costs of a funeral, it's up to the surviving family members to decide on a budget and stick to it. If you're lucky, you'll have family members willing to pitch in a few hundred dollars each to afford a nice funeral service. However, it's not uncommon for the staff at Bayard(NE) funeral homes to work with one family member who has the sole responsibility of handling the funeral arrangements and costs.
Opening a Line of Credit for Funeral Costs
Sometimes, the only way to pay for the rising costs of a funeral is to open a line of credit through the funeral home. This option is available when Bayard(NE) funeral homes opt to work with a crediting agency to provide a line of credit to clients. A credit check is run and you fill out an application for credit through the funeral home's creditor. It works very much like a regular credit card, except the only charges on it are those from the funeral home. Once you're approved, all of the options you want for the funeral are paid for through the line of credit.
Funeral homes in Bayard(NE) may encourage you to open a line of credit if you're struggling to secure financing for the funeral. While it may be your only option, there are some disadvantages. Remember that you will be paying monthly payments. If you're struggling with a great deal of grief, receiving the monthly bill is just a reminder of the funeral. There may also be a high interest fee attached to the line of credit, meaning that you can pay up to almost double for the funeral once it's paid off. If you really can't afford the funeral without a line of credit, look for funeral homes in Bayard(NE) that offer a low or no interest credit line.
Look for Bayard(NE) Funeral Homes with Low Cost Options
One danger of shopping for funeral services while dealing with grief is that you tend to use emotional spending rather than rational spending. This means that you relate your love for the deceased to how much you spend on their funeral arrangements. It may be hard, but try to remember that the amount you spend on a funeral is not indicative of how much you loved the deceased. Some funeral homes in Bayard(NE) play up on a person's tendency to emotionally spend, but funeral homes in Bayard(NE) with good ethics and professionalism understand that moments of grief are not an opportunity to take advantage of someone.
Look for Bayard(NE) funeral homes that offer low cost packages. The casket may be simple and the service short and sweet, but the cost won't leave you in debt. Funeral homes in Nebraska are required by law to provide price quotes. Make sure that you specifically ask the funeral director to show you any low cost options that the home offers.
Indigent Burials in Bayard(NE) Funeral Homes
If you and the deceased fall below the national poverty line, you may qualify for government assistance to help pay for the funeral. This type of help is often called indigent burial assistance. Funeral homes in Bayard(NE) aren't responsible for providing any sort of government assistance, so you will need to go through the county in which you live. There is an application process and you must provide proof of income eligibility.
These types of funerals are often provided on a rotating basis, and Bayard(NE) funeral homes have no say in whether or not you will qualify for help. If you do qualify, there will be no funeral service. The county will simply handle the burial and provide a simple grave marker. While it may not be ideal, if you truly can't afford any sort of funeral it may be your only option for getting your loved one buried with respect and dignity.
Bayard(NE) funeral homes aren't trying to put families in debt. The funeral homes in Bayard(NE) just understand what people go through when handling the death of a loved one. They don't want you to go into debt, but they also don't want you to regret any decisions that you make regarding the funeral. If possible, bring a third party with you who isn't suffering from grief who can help you make rational spending decisions and insure that you get the funeral you want.