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Discussion:
My Dads funeral costs.
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Well I never hear anybody talking about this so let me.My Dad is 86 he has no life insurance,many years left on his mortgage,no savings account,no retirement account.I see these commercials on tv where they say the average funeral is like 9000$ How will I provide for his finsl needs?I would not qualify for any kind of financing,we have no rich relatives.What do people do when there is nothing left at the end of someones life to pay for a funeral?Of course I hope he will live many more years but I have to admit this problem prays on my mind?
Posted on 07/06/12, 01:51 pm
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Reply #1 - 07/06/12  8:42pm
" Luckily here we have one funeral home that will do a creamation for around $2000. So that is an option for many.

We also have funds available through our local social services (Public Assistance) to pay for funeral costs etc. Most counties do. The deceased can't have any available assets though (cash etc)
and if the home sells they would have to reimburse the county via a lien. But you wouldn't have to pay for his funeral. Does he owe more on the home than he could sell it for? If so the county would not have to be reimbursed. I did many of them when I was a social welfare examiner.

Was he a veteran? They provide some funds and so does Social Security but the amount is small. I would check out the local funeral homes and get an idea of what it would cost just to put your mind at ease. Keep in mind only your father needs to qualify (even though he would be deceased), you don't need to.

Hope that helps some.

Sandy "
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Reply #2 - 07/06/12  9:11pm
" Thank you for the info.Yes he owes more on the house than he could get by selling and yes he is a WW2 vet,I will look into what's available locally.I don't really see how they would turn him down for social services since the house isn't even worth so much?Anyway thanks. "
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Reply #3 - 07/06/12  10:49pm
" chloegirl, do not worry about that yet.

Those ads about $9000 are for the whole kit and kaboodle, you know nice plot, cherry wood coffin with satin lining, caterer, musicians, a real big deal with limos etc.

There are always cheaper options, plus city/counties do help if he is "indigent" . Cremation is the cheapest route. But some cities/counties have plots for the poor.... if you want that.

Social Security only allows $250 which is nothing. But do check in with the VA, if he served in a war, he can get burial free (I think) at Arlington cemetery....

But do try to appreciate him while he is still here! And make the best of these years that you are still together. And worry about funerals when you need to.

My best,
Molly "
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Reply #4 - 07/06/12  11:41pm
" If your dad was a WWII vet, he can be buried in a national cemetary at no cost, full military honors, and very little cost for preparation. Assistance can be provided through a local funeral home. I would contact a funeral home that your dad would possibly use, and see what the total minimum cost would be. It shouldn't be very much. "
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Reply #5 - 07/07/12  2:29pm
" I think you are wise to do your research now rather than having to make decisions at the time of his death. You are going to have enough to deal with emotionally. Sounds as though you have received some great advice from these board members. Make yourself a file and then go and enjoy your father's company. Tell him you love him! "

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