When a loved one passes, one of the many practical questions that arises is who will pay for the funeral. While there aren’t any laws that specifically state who should pay for a funeral, there are ways to determine who is responsible for paying the funeral expenses.
The Funeral Contract
When determining who will pay for burial services, the funeral director will typically look to the person who signed the contract when they arranged services.
A Prepaid Funeral Plan
A prepaid funeral plan allows individuals to pay for their funeral arrangements before passing. This payment plan enables individuals to ensure they receive the funeral they desire and spare their loved ones from financial stress.
Life Insurance Policy
The beneficiary of a life insurance policy can use the proceeds to cover funeral costs if they so choose. However, this individual is not under any legal obligation to use these funds in this way. If your loved one did not name a beneficiary for their life insurance policy, the proceeds will go to your loved one’s estate and would not be able to be used to pay for funeral expenses.
Before choosing a life insurance policy to pay for your loved one’s funeral, remember that it can take over a month before you receive the money. Most funeral homes require payment upfront, which may require you to explore alternative payment options.
Next of Kin
If your loved one has no assets or property, the next of kin will typically cover funeral costs. The next of kin will also handle arrangements. However, no one is legally obligated to pay for funeral expenses unless they sign an agreement. In most cases, the family will work together to create a financial plan for the funeral expenses.
Funeral directors are an excellent resource for guidance on paying funeral expenses. At Joseph A. Lucchese funeral home, our professional team will walk you through our various pricing and financing options to help you honor your loved one without causing financial strain.
Contact Joseph A. Lucchese Funeral Home Today
At Joseph A. Lucchese Funeral Home, our kind and compassionate team is available to help you determine the best way to pay for your loved one’s funeral services. Contact us to learn more about our financing option or make arrangements today.