How to save money arranging a direct cremation in Sioux City, Iowa

Direct cremation in Sioux City, IAThe high cost of traditional funerals has led many families to seek more affordable alternative services, such as direct cremation.

Cremation is now the nation’s preferred death care choice, with the cremation rate reaching 55%.  Cremation offers a simple, no-fuss and affordable disposition.

Direct cremation, which is where a cremation is conducted, but no ceremony or services are provided by the funeral home is the most inexpensive way to conduct an affordable funeral.

What is the average cost of a funeral in Sioux City?

According to SmartAsset and an analysis of the funeral industry, the National Funeral Directors Association report that the average cost for a funeral is $7,181.  This does not include cemetery fees

What is the average cost of a cremation?

The Cremation Association of North America (CANA), the largest trade organization for cremation practitioners, state that the national average cost of a cremation is $1,650.  However, the average cost will depend on what kind of cremation service is selected.  A cremation with a funeral or memorial service costs more than a direct cremation.

How much is a direct cremation?

The cost of direct cremation varies by area and provider.  In Sioux City, a direct cremation can be arranged for $1,505.

Cremation service in Sioux CityHow can you save money by arranging a direct cremation?

A direct cremation is where no ceremony or funeral service is provided by the funeral services provider.  The deceased is cremated and the cremated remains returned to the family.

This means that the funeral home can offer a direct cremation at a much lower price, and the family can save money on funeral costs.  It is still possible to conduct a memorial service at a later date with the cremated remains, so this can be a way to save costs, or even split the cost between an immediate cremation and a later memorial service.

Can I preplan a direct cremation?

Yes, you can preplan a direct cremation.  Most funeral service providers offer cremation plans where the funds are put in trust or into an insurance product.

Are there additional costs when arranging a basic direct cremation?

Generally, the additional fees will be county fees, such as the death certificate and cremation permit. Other additional fees to consider are if a barometric cremation is required, or if a 2-man collection is required from a residential address.  Most direct cremation providers include a basic cremation container if their package fee, but some do not.

The deceased had no life insurance…..

Sadly, this is happening more frequently, and family find themselves responsible for finding the funds to pay for a funeral.  This is where a direct cremation can be a simple, low-cost solution.

What if the deceased is at the Medical Examiners?

This can often expedite the process for performing a funeral, as the coroner will release the deceased with all the required paperwork ready.  Only a licensed funeral director can collect a body from the ME to transfer the remains to a funeral establishment.

If you have more questions about arranging a funeral or cremation, please visit the DFS Memorials resources blog, or US Funerals Online library section.

Funeral Insurance: Legalities that can provide loop-holes!

LIfe-Insurance-PolicyThis story in the news today (USA Today: Funeral expenses leave mother’s body in limbo) highlights some potential risks with using life insurance to pay out for funeral expenses.

Dorothy Johnson believed she had been prudent and wise in taking out a life insurance policy for $50,000 which would cover her funeral expenses and hopefully leave a financial legacy for her children.

She did not foresee that she would die young (53 years) of a heart condition and having made her youngest son the beneficiary, that he would not legally at 16 years old, be able to access the funds.

We all know that insurance companies hate to pay out and will find any loop-hole, small print opportunity to void a policy or clause that you have transgressed to escape making full payment.

In the Johnson’s case, their mother’s body remains deteriorating at the funeral home whilst the insurance company claims that a legal guardian has to petition the court to access the funds.  This could take weeks, if not months, and all the Johnson’s want is to be able to hold a dignified funeral for their mother and say their final goodbyes!

The surviving family does not have sufficient money to be able to hold a funeral service without the life insurance funds.  They have approached 7 Social Service organizations for help, but as of yet no help has been offered.

This is a sad but true story of how ordinary families across America are affected by funeral costs today.  Preplanning is an excellent idea and is meant to save your surviving family the anguish of this sort of situation.  However, as this story exemplifies, you MUST ensure that all your ‘ducks are in row’ with any kind of insurance policy you take out to cover final expenses.

In the Johnson’s case it looks like they will not be able to have the funeral they wanted for their mother – a home-going funeral befitting for a woman who did nothing but care for others.  The family will have no option but to hold a simple and low cost cremation in order to handle the disposition of their mother.

If you hold life insurance, or are considering taking out a funeral insurance policy, do ensure you carefully check ALL the terms about how the funds can be accessed by your designated beneficiary.