Direct cremation costs in Tucson, AZ

Posted on September 7, 2022 by Sara Marsden

This article explains how arranging a cremation can save you money on your funeral costs. How arranging a direct cremation is a simple and affordable funeral care solution when you can arrange an affordable direct cremation service for just $811.

If you need immediate assistance, call your local provider now. Or, read on to learn more about Tucson’s cremation costs and services.

How can you save money by arranging a cremation?

The traditional funeral is dying, replaced by a modern life celebration and a lean towards cremation services. Although changing attitudes in culture are acknowledged for this change, COST is one of the biggest factors. A traditional funeral can cost upwards of $10,000 (when you include cemetery fees). The National Funeral Directors Association’s survey of 2021 posited the average cost of a funeral in the U.S. at around $8,000 (without any cemetery charges). Yet a full-service cremation service will cost in the region of $3,000 – $4,000, and a simple direct cremation can be arranged for $811. It doesn’t take much to work out why our nation is turning to cremation!

Indeed direct cremation is becoming the new ‘vogue’ on the cremation scene. Why? Because it presents the most cost-effective way to conduct a funeral and can put control of memorialization back in the realm of the family. A direct cremation simply ensures that a professional takes care of the disposition element. Once the family has the cremated remains returned, they can conduct memorial services as, when, and if they see fit.

For many families, it is a case of need – in tough financial times – they just need the most affordable funeral option. For other families, it has become a decision of choice and principle – why spend thousands of dollars when a funeral can be conducted for a fraction of that cost?

Low-cost cremation in Tucson

A low-cost, simple cremation is available in Tucson for just $811. Cremation prices vary considerably between providers, so it is important to check around and ensure that the cremation price quoted for a low-cost cremation equitably compares. Check exactly what is included. Death certificates and state filings are often an additional ‘cash advance’ but check that the cremation container and cremation fee are included in any low-cost price advertised. Too often, we have found what appeared to be a low-cost cremation option, only to discover that the hidden charges can bump the price up!

Call (520) 200-7742 now to arrange a direct cremation for just $811 in Tucson and surrounding areas.

Cash Advance items: A death certificate in Tucson is $20.00 – Pima County Medical Examiners fee is $30.00

How do I choose a cremation provider in Tucson?

With cremation costs in Tucson varying so much, choosing a cremation services provider is not always easy. As cremation becomes more popular, more funeral homes are installing their own crematories, which can give a family assurance about their loved one’s care. If you are researching because you do not have a provider in mind or need to find the most affordable cremation option in your area, then DFS Memorials can help direct you. We do the research to help save families stress and time, and we ONLY work with reputable, local family-owned funeral homes.

Alternatively, you can check out this directory listing of all funeral homes in Tucson in zip code order.

How do providers compare in Tucson?

The cost of a direct cremation varies considerably. This can depend on the cremation services provider selected and the type of cremation service chosen. It is always wise to compare prices. A basic direct cremation in Tucson can be conducted for just $811 with a local, family-owned funeral home.

Is there any help with cremation costs in Tucson?

Sadly we are asked this question all too often these days! With more families struggling financially, it can be crippling to be faced with unexpected funeral expenses. If qualifying, there is a $255 Social Security death benefit payment and benefits for veterans. Each state has its own budget and governance for dealing with indigent funerals, although much funding has been axed in recent years. You can try contacting your local county Social or Human Services to inquire if any financial aid is available locally. This article on ‘How to Pay for a Funeral’ also covers some other ways you can gain support towards funeral costs.

DFS Memorials Tucson serves families in Cochise, Graham, Pima, Pinal & Santa Cruz Counties and Armory Park, Avondale, Barrio Viejo, Central, Civano, Congress Street, Convention, Cragin-Keeling, Downtown, Eastside, El Encanto, El Presidio, Fairgrounds, Fourth Avenue, Menlo Park, Northwest, Old Fort Lowell, Old Pascua, Pullman, Sam Hughes, Santa Cruz Southwest, South Tucson, Sunnyside, Western Hills, & Winter-haven

Cremation costs in Louisville, KY – $750 direct cremation

Posted on July 18, 2022 by Cremation Advisor

The high costs of dying are leading more families to consider cremation as a less expensive alternative to a traditional funeral. Yet trying to compare the differences in cremation costs between different funeral service providers in Louisville can be a daunting and time-consuming task.

Not all funeral homes even opt to provide cremation prices on their websites, and even when you call a funeral home, you cannot always get a straight answer about funeral costs.

This article runs through how cremation can save you money on your overall funeral costs and explains how arranging a simple direct cremation can save you thousands of dollars. We compare a few of the lead providers of affordable cremation services in Louisville and provide tips on how to do your own memorialization and claim any financial assistance available.

How can you save money arranging a cremation?

Although Kentucky is still a more traditional state in favor of burial, high funeral costs and difficult economic times have given many families no choice but to opt for cremation.

The average traditional funeral costs around $9,000 (NFDA 2021), and this does NOT include cemetery costs. So a burial funeral can amount to between $10,000 and $15,000. Not many families have $10,000 to hand if their lost loved one had not made provision for his/her funeral arrangements!

A cremation can immediately remove the need for expensive cemetery property. A burial plot is not required, nor is a burial vault. No casket is needed for the cremation. [Some funeral service providers offer rental caskets for those wishing to hold a viewing or service before the cremation] And no embalming is necessary.

Eliminating these few products and services can reduce your funeral bill by thousands of dollars.

So how much does a cremation cost in Louisville?

Good question! And this largely depends on what kind of cremation service you require and, more importantly, which cremation services provider you select. The cost for a cremation service WILL differ significantly for the same service from different funeral homes!

There are several options with a cremation service that can determine how much it will cost. A cremation funeral service (where a funeral service is held before the cremation is conducted) is likely to cost in the region of $2,500 to $4,500. Costs will depend upon whether a casket is purchased or rented for the purpose of the funeral ceremony and other ancillary costs such as memorial stationery, flowers, etc.

A cremation with a viewing beforehand can be facilitated for those families that wish to have an opportunity to say a final goodbye but do not wish to have a formal service. Again rental caskets, or slumber beds, can make this a fairly inexpensive option.

What is the difference between a cremation funeral and a cremation memorial service?

direct-cremation A cremation memorial service is where the cremation is conducted before a memorial service is held. Your funeral home can provide the memorial ceremony as part of their services but will charge you for this. The price for a cremation memorial service in Louisville is likely to be in the region of $2,500 to $3,500.

A cremation memorial service (being that the deceased is already cremated) can be more flexible. It does not have to be held immediately, as the body is not present, and it offers the opportunity for unique personalization.

A memorial service does not have to be conducted by, or at, a funeral home. A ceremony in memory of the deceased or an ash-scattering ceremony can be held anywhere and led by family members and friends, a funeral celebrant, or clergy.

Arranging to have a cremation performed and then conducting the memorial service yourself can be a significant way to save on overall funeral costs. It can also make for a much more personal tribute to a lost loved one. Visit our section on ‘Memorialization Options’ to read more about how you can create your memorial tributes.

How to arrange a cremation for $750 in Louisville

A direct cremation is the least expensive cremation option that a cremation services provider offers. It is a simple, basic cremation without any services or ceremony. Many funeral homes do not actively promote that they offer such a basic service because, of course, they want you to spend more! They even include it in their general price list (GPL) at the very bottom!

Direct cremation includes everything to take care of the deceased and have the body cremated [but may not include county fees such as death certificate and cremation permit]. A death certificate in Louisville costs $6.00 each.

Low-cost cremation in Louisville

Several cremation service providers offer low-cost direct cremation in Louisville. As you will see from the chart below, the price for a direct cremation can vary significantly depending on the provider.

DFS Memorials offers the best value direct cremation package at $750. To arrange a low-cost cremation today, or if you have any questions about cremation in Louisville, call now on (502) 219-4474.

Comparing cremation costs in Louisville, KY

To assist families in comparing cremation costs, we have conducted a direct cremation price comparison with a select number of funeral homes and cremation services providers in Louisville.

Provider	Direct cremation price
Herman Meyer Funeral Home	$3,025
Webb Funeral Home	$1,450
Neurath & Schoppenhorst Funeral Home	$1,350
Newcomer Funeral Homes	$1,195
Highlands Funeral Home	$1,095
Ratterman Grand Chapels	$1,075
Cremation Society of Kentucky	$1,070
Heritage Cremation Services	$995
DFS Memorials Louisville	$750

Disclaimer: This direct cremation cost information was obtained from providers in March 2021. This is an ‘at-need’ price. The price quoted is for a bundled “direct cremation” package but does not typically include any cash advance items such as county permits or death certificates. Prices are posted to help families make informed decisions. However, periodically providers change their prices. We make every effort to ensure the prices are accurate, but prices must be verified directly with the listed funeral home.

A “direct cremation package” includes the following:

Collection of the deceased from the place of death and transportation to the funeral facility or crematory
Shelter of the deceased whilst the legal documentation is completed
Filing of all necessary documents (death certificate, county cremation permit)
A basic cremation container
The crematory fee
Return of the cremated remains in a temporary cremation receptacle

Note: Additional fees may apply for a residential collection or additional services/products added to the items listed above.

Hopefully, this information can assist families in making decisions about selecting an affordable cremation provider.

I can’t afford a funeral. Is there any help with cremation costs in Louisville?

Sadly we are asked this question all too often these days! With more families struggling financially, it can be crippling to be faced with unexpected funeral expenses. If qualifying, there is a $255 Social Security death benefit payment, and there are benefits for veterans. Each state has its own budget and governance for dealing with indigent funerals, although much funding has been axed in recent years. You can try contacting your local county Social or Human Services to inquire if any financial aid is available locally. This article on ‘How to Pay for a Funeral’ also covers some of the other ways that you can gain support towards funeral costs.

DFS Memorials of Louisville services families in Bullitt, Jefferson, Nelson, Oldham, Shelby & Spencer Counties. If you are concerned about funeral costs, call us today at (502) 219-4474 and let us help you arrange a dignified direct cremation for just $750.00.

Arranging a low cost cremation in Ft. Lauderdale $795

Posted on May 24, 2022 by Cremation Advisor

Cremation is a very popular disposition choice in Florida, and this brief guide aims to help you arrange a simple cremation for the low cost of $795 complete in Fort Lauderdale.

There are so many cremation service options and providers to choose from that it can be very overwhelming. At DFS Memorials we only work with licensed, reputable local cremation providers, and we specifically select a provider who can offer affordability and quality service.

How much does a cremation cost in Fort Lauderdale?

This is the million-dollar question. As cremation is so popular in Florida, and the Miami-Ft. Lauderdale area is such a built-up area with a huge population, the cremation market is very competitive.

Cremation costs can vary quite significantly though, depending upon the type of cremation service you select, and the service provider. The Cremation Association of North America quotes the average cost of cremation at $3,200, although it is easy to arrange a cremation for much less. Cremation prices in Ft, Lauderdale can range between $795 and $2,200.

What is a direct cremation?

A direct cremation is the simplest (and most economical) cremation option. It is a cremation without any services or ceremony. The deceased is collected from the place of death, transferred to the funeral location, and prepared for cremation. All the necessary paperwork is completed, and the cremation is conducted. The cremated remains are returned directly to the family in a temporary cremation urn.

Can I still have a service with a direct cremation in Fort Lauderdale?

Yes, of course! You can add services to a direct cremation if you wish. So you could opt to add a viewing or a private family ID. Many families choose to conduct memorial services once they have the cremated remains returned from the crematory. You can use the services of a life celebrant or your minister to deliver memorial services, or (as more families are choosing) opt to arrange your own services. This obviously can save you a lot of money off the full cost of a funeral service in Fort Lauderdale.

If you are in need of a low-cost cremation in Fort Lauderdale or have any questions about arranging a cremation service in Fort Lauderdale, call now on (954) 281-7747. We are here 24/7 to provide assistance to your family.

Low cost cremation service in Lake Placid, FL – $995

Posted on May 22, 2022 by Cremation Advisor

Are you looking for a simple, low-cost cremation service? Need a no-fuss package for one low cost that covers all you need to arrange a cremation?

The DFS Memorials provider in Lake Placid can help you arrange a direct cremation service for just $995 complete.

Mortuary Services of Florida is a licensed Direct Disposer Establishment as licensed by the Florida State Board F438949. Licensed to conduct direct cremations only.

We provide a very professional service, and we understand that families today want simple and affordable cremation alternatives.

What is included in the $995 direct cremation service?

Our simple cremation service includes:
Collection of the deceased from the place of death
Transfer to the funeral facility
Shelter of the deceased
Filing of the death certificate and cremation permit*
The cremation process
Return of the cremated remains in a temporary cremation urn

How do we proceed with arranging a direct cremation service?

We can make arrangements over the phone or online. We arrange for the collection of the deceased from a residence, hospital, hospice, or nursing establishment where they passed. Once the deceased is in our care, we file for the death certificate, notify Social Security and apply for a cremation permit from Highland County Coroner.

direct-cremation A ‘Cremation Authorization Form’ must be signed by the next of kin before the cremation can take place. We can complete this for you and will need all the deceased’s personal details. This form can be emailed or faxed for a signature, or you can call in to complete this.

Florida has a mandatory 48-hour waiting period before the death occurs before the cremation can occur.

Once this 48-hour has elapsed and all the necessary legal paperwork is in order, the cremation is scheduled at the crematory. This can generally take 2-5 days, but an expedited service can be arranged if required. After the cremation has been conducted, the cremated remains are prepared and made available for collection or can be shipped to the family.

Comparing cremation costs in Lake Placid

You will find our $995 direct cremation package is very competitively priced as value for money. We handle everything with compassion and caring – just what you would expect from a local Mom & Pop business. Feel free to compare our direct cremation price against other funeral and cremation providers in Lake Placid.

If you have any further questions about arranging a cremation in Lake Placid, call us now on (863) 226-4757, and we would be happy to help.

Can I preplan a cremation in Lake Placid, FL?

Yes, you can prearrange a cremation. Advance planning can help to ensure you get the most appropriate services provider for your needs and can save the surviving family the financial and emotional burden at the time of death. There are various options open to you to plan ahead, so consult with your preferred services provider. A pre-arranged direct cremation plan can be preplanned at an affordable cost in Lake Placid, ensuring your family does not have the burden of worrying about funeral costs.

What can we do with the cremated remains?

As I mentioned earlier, there is versatility in what you can do with cremated remains. You can inter a cremation urn in a cemetery plot or niche, keep an urn at home, scatter the remains or create a cremation artifact such as a cremation diamond, glass paperweight, bird bath, or memorial reef ball, to name but a few!

The deceased had no life insurance – is there any help with cremation costs?

Sadly, there is little financial aid that supports families struggling with funeral costs. Most counties have a budget for indigent funerals, but this is generally for those who truly are indigent. Some counties do have limited funds to help low-income families with cremation costs, but this can vary county by county. Often, the most basic funeral services will be supported in these cases, with limited control over what happens. An affordable direct cremation from DFS Memorials can be arranged for $995 in Lake Placid.

If you have further questions about arranging a cremation, check out this Ultimate Guide to Cremation 2022

*additional fees may be incurred dependent on Highland County permit fees

Death certificates in Florida cost $10 each

Simple & affordable direct cremation in Brooklyn – $395

Posted on May 4, 2022 by Sara Marsden

Are you in need of a simple and affordable cremation in Brooklyn?

We have put together this guide to help you understand how you can save thousands by arranging a funeral. In fact, you can arrange a simple, basic cremation for just $395!

The average cost of a traditional funeral in Brooklyn is $5,922*, and this does not include cemetery costs, so it is understandable that many families today are looking for more affordable alternatives. Cremation is now becoming the preferred, more affordable option to conduct a dignified, yet simple funeral service at a fraction of the full cost of a traditional funeral.

Why choose cremation services?

Cremation offers an inexpensive and flexible alternative to a burial service. Choosing cremation services can save you 40% to 60% (or sometimes more) on the cost of traditional burial services. This is because a casket is not required, or embalming (unless required) and there is no immediate need for a cemetery plot or burial vault. Eliminating just these few products and services saves thousands of dollars alone.

A cremation can offer a more flexible alternative that can accommodate families who have moved from their home state, or when a funeral cannot be held straight away. Cremation also offers a greater range of personalization options with a whole array of ash-scattering ceremony possibilities, and various cremation artifact products. Read on to find out how you can save money by arranging an affordable cremation in Brooklyn.

What different cremation alternatives do I have?

There are 3 main types of cremation service options. A cremation funeral – where the funeral service is held with the deceased present and a cremation is conducted after the service. A cremation memorial – where the cremation is conducted before a memorial service is held. This can be with, or without, the cremated remains present and can often take the form of an ash scattering ceremony. Or there is a direct cremation – this is where the deceased is cremated with no services, and the remains are given back to the family. There are some variances around these 3 main options, such as a private viewing before the cremation, an observed cremation, or a graveside interment of a cremation urn.

How much does a cremation cost in Brooklyn?

The cost of a cremation can vary considerably. This will depend upon the type of cremation service you opt for and the cremation services provider you select. The average cost of a cremation memorial service is $2,960*, depending upon the length of service held and what kind of casket you purchase or rent. The average cost of a direct cremation is $1,046*, although a direct cremation package can be conducted for just $395 with DFS Memorials.

Direct cremation services in Brooklyn, NY

If you are working on a budget for your funeral expenses, you may wish to consider a direct cremation. A direct cremation is the most affordable cremation option in Brooklyn. The funeral services provider does everything to take care of the immediate disposition of the deceased but no viewing or services are held.

The deceased is cremated in a simple cremation container and then the cremated remains are made available for the family or collect (or if requested delivered/mailed). A direct cremation can be arranged online or by phone without any need for you to visit a funeral home.

Call your local DFS Memorials provider in Brooklyn at (718) 395-3211 who offers a direct cremation for just $395*.

*Additional fees include the crematory fee and NY Permit. The total cost for a complete direct cremation package is $726.50.

How do I choose a cremation services provider?

This can sometimes be a daunting task when there are several funeral homes to choose between. It may help to set yourself some clear criteria to help you select the provider that best suits your needs. Which funeral services provider you select can be influenced by what facilities and services they offer, or what budget you have.

As we have highlighted, costs can vary quite significantly between funeral homes for the exact same service. For this reason, we would recommend you compare some costs before making a decision.

Comparing cremation costs in Brooklyn, NY

cremation plan Brooklyn NY All funeral homes have a general price list (GPL) and this should itemize all services and charges.

Legally a funeral home must provide you with a copy of their GPL if you request cremation price information, either in person or by phone.

According to funeral price research surveys in Brooklyn, the average cost of a direct cremation is $1,046*, although a direct cremation can be arranged for less than this with some cremation providers. DFS Memorials offer a direct cremation service for $495.

Check out this Guide to Cremation Costs in New York 2022 for more information about cremation costs and services.

When comparing costs and services to find your most affordable cremation option in Brooklyn, check what IS included, especially with a budget direct cremation package. Is a copy of the death certificate included? Is the cremation permit an additional cash advance item or included? What about if an out-of-hours collection is required? Is there an additional daily refrigeration charge if the cremation does not proceed in a timely fashion and there are delays? Death certificates cost $15.00 for the first certificate and $10 for each additional death certificate required. You should also note that the county coroner may charge a fee if they are required to sign the death certificate.

What legally do I need to know about arranging a cremation in Brooklyn?

There are a few legal requirements that you need to be aware of if you are considering cremation. Firstly, the legal next-of-kin must all sign the ‘Cremation Authorization Form’ before a cremation can proceed.

In New York, there is a mandatory 24-hour wait period after death before the cremation can proceed. Before a cremation can go ahead the doctor must sign and fill out the cause of death, and the county health department must issue a permit to cremate. The deceased will be refrigerated during this period, and longer if required, however, you should be aware that many cremation packages will only include refrigeration for up to 5 days and will charge you a daily rate thereon.

In New York, a funeral home cannot own a crematory, so the crematory fee is generally considered a ‘cash advance’ or third-party fee. Death certificates and permits are considered ‘cash advance’ items and are not generally included in a quoted cremation price. The funeral director will generally obtain the death certificates on your behalf.

Can I preplan a cremation?

Yes, you can prearrange a cremation. Advance planning can help to ensure you get the most appropriate services provider for your needs and can save the surviving family the financial and emotional burden at the time of death. All funds paid for a pre-need cremation or funeral plan in New York must be placed into a trust. A pre-arranged direct cremation plan can be preplanned at a low cost to ensure your family does not have the burden of worrying about funeral costs.

What can we do with the cremated remains?

As I mentioned earlier there is versatility in what you can do with cremated remains. You can inter a cremation urn in a cemetery plot or niche, keep an urn at home, scatter the remains or create a cremation artifact such as a cremation diamond, glass paperweight, bird bath, or memorial reef ball to name but a few!

The deceased had no life insurance – is there any help with cremation costs?

Sadly there is little financial aid that supports those families that find themselves struggling with funeral costs. Most counties do have a budget for indigent funerals but this is generally for those individuals who truly are indigent. Some counties do have limited funds to help low-income families with cremation costs but this can vary county by county. You would need to make inquiries with the NYC Government which manage aid for residents of the five boroughs of NYC. Phone: 212-504-4115 to find out if any assistance is available to you. New York City’s Department of Social Services does have a Funeral Finance Assistance Program to assist New York City residents. Up to $900 in assistance can be paid for a funeral costing no more than $1,700 for low-income residents. This means a simple direct cremation can be arranged within an assistance program budget.

What is “no-cost cremation”?

Some funeral homes now offer this option in Brooklyn. This is referring to whole body donation whereby after the donation is complete the remains are cremated (free of charge) and then returned to the family or scattered. Generally, funeral homes can get a referral fee from the whole body donation organization, plus they sometimes charge a transportation fee. So all-in-all they do still recoup their costs. As we all know, there really is nothing that is truly free!

How do I obtain a copy of a death certificate?

You can obtain copies of a death certificate from the Vital Records office at 210 Joralemon St, Rm 2, 1st Fl Municipal Bldg Brooklyn, NY 11201 Phone: 718-802-3589

What happens if the deceased is taken to the Coroner’s Office?

If there were circumstances surrounding the death that led to the deceased being taken to the County Coroner’s office, you will need to employ the services of a funeral director as soon as possible to liaise with the Coroner to have the body released into their care. Only a licensed funeral director can collect a body from the Coroner’s morgue.

New York County Medical Examiner & Coroner 520 1st Avenue New York NY 10016

Hopefully, this short guide to arranging an affordable cremation service in Brooklyn has answered some of your questions and helped you understand how to save costs on a cremation. If you would like to read more extensively about cremation planning, please visit the library section on US Funerals Online.

$995 Simple cremation in Lakeland, FL

Posted on April 22, 2022 by Cremation Advisor

If you have an immediate or imminent need for a simple, low-cost direct cremation in Lakeland, then we can help you arrange everything for one low price of $995. Cremation is a popular choice in Florida, and we understand that many families just want a simple, “no fuss” option that can be delivered at a low cost.

A direct cremation package can help you arrange a low-cost funeral. Direct cremation takes care of the immediate disposition of the deceased, and once the cremated remains are available, a memorial or ash-scattering service can be conducted. Or, of course, cremated remains can be shipped to another state for those residents of Florida who are transplants.

When you can take care of everything for $995, dealing with a family-owned funeral business, why should you pay more than this?

The DFS Memorials provider in Lakeland – Mortuary Services of Florida is a licensed Direct Disposer Establishment as licensed by the Florida State Board F438949. Licensed to conduct direct cremations only.

What is included in the $995 Simple Cremation Package?

Our simple cremation service includes:

Collection of the deceased from the place of death
Transfer to the funeral facility
Shelter of the deceased
Filing of death certificate and cremation permit
The cremation process
Return of the cremated remains in a temporary cremation urn

Are there any extra costs?

The additional fees are county fees, which are subject to change and payable to the county in order to facilitate the cremation proceeding. Death certificate fees in Florida are $10 per copy at present.

Can we still have a funeral service if we arrange a direct cremation?

Yes, of course. You can arrange a memorial service once you have the cremated remains returned. A memorial service is the type of funeral service where the deceased’s body is not present. You can hold a memorial service with, or without, the cremation urn present. A memorial funeral service can also take the shape of an ash scattering ceremony, or a candlelit vigil or tribute.

Comparing cremation costs in Lakeland, FL

As cremation is a popular choice for residents of Lakeland, there are a number of cremation service providers serving Polk County. The cost of a cremation can vary significantly, for the exact same service, so it is wise to ensure you do compare cremation prices between a few providers to ensure you are benefitting from a value for money cremation service package.

As a simple cremation is a popular choice in Lakeland, especially with so many retirees, there are a number of cremation service providers offering affordable cremation packages. It is important to check that a direct cremation package includes everything.

How can you save money when arranging a cremation service in Lakeland?

A direct cremation is the most economical means of disposition there is. In Lakeland a direct cremation can be conducted for $995 complete, making this very affordable funeral option. If you need to keep funeral costs down, then a simple cremation arranged through a cremation provider or direct disposer is your lowest cost cremation in Lakeland. You can then arrange your own memorial services once you have the cremated remains returned. This significantly cuts down on funeral expenses.

What help is there with cremation costs in Lakeland?

If qualifying for Social Security, you may be entitled to the lump sum death benefit payment of $255. The funeral director will generally assist you with submitting the claim to Social Security. Of course, many people use life insurance policies to off-set funeral costs, but with a direct cremation, the funeral provider will require payment upfront.

There is very limited public assistance support for funeral costs and this can vary by county. Check out Polk County Assistance Programs.

Understanding funeral & cremation costs in St. Louis, MO

Posted on April 3, 2022 by Cremation Advisor

If the high cost of a funeral is a worry to your family we hope to guide you on how to arrange the lowest-cost cremation service in St Louis. The Internet provides a great tool to help you find out about funeral prices and cremation costs before contacting a funeral home or crematory in St Louis. To help you understand more about funeral costs and what your options are, we have put together this guide. It gives you an overview of what cremation costs are in St Louis and, more importantly, how to save money arranging a funeral or cremation.

How much does a funeral cost in St Louis?

This is the vital question that we all want to know…how much is it going to cost me? Indeed we have all become such savvy shoppers today, with an expectation to compare prices and deals. The funeral industry has resisted this and there are still more funeral home websites that do NOT disclose funeral prices than there are those that do. There is good reason for this, as the funeral industry resists changes occurring that mean they can no longer have an ‘open check’ from a family to “just do Mom a great send-off!”

The average cost of a funeral is around $9,000 (according to the National Association of Funeral Directors 2019), and this does not include any cemetery costs. So a traditional funeral is likely to cost you somewhere in the region of $8,000 to $12,000. Today when 76% of families are living paycheck to paycheck (CNN Money report 2013), it is hardly surprising that paying out this amount for a funeral can seem insurmountable.

Tip: If a funeral home does not openly disclose cremation prices on their website, or over the phone, it should ring alarm bells that they are not likely to be offering services in the ‘affordable’ bracket!

So how can you save money by arranging a cremation?

You will save at least half the cost of a traditional funeral by arranging for a cremation service. Why? Mainly because you eliminate some of the largest expenses related to a funeral service. There is no need for a casket, burial vault, embalming, or a cemetery plot. This alone will save you thousands of dollars!

save_money_cremation Another significant way that you can save money by arranging a cremation is that it removes the need to hold a service immediately. A simple cremation can be conducted to deal with the disposition of the body, and the memorialization (the service/ceremony) part of the ritual can always be performed at a later date. This removes the need to make instant decisions (which can sometimes prove costly) at the time of death, and when you are feeling emotionally vulnerable. Of course, you can also choose to hold your own memorial service which can save you even more money on the overall funeral costs.

What is the average cost of a cremation in St Louis?

It is important to understand that cremation prices do differ considerably between different funeral homes in St. Louis. The ‘average’ cost of cremation has to be put into the perspective on what kind of cremation services are being assessed. The Cremation Association of North America [CANA] records that the cost is $2,250 for a cremation with a ceremony and a mid-range urn. However, cheaper cremation options are available as outlined below.

Call DFS Memorials now on (314) 200-2604 to arrange a direct cremation for just $995 in St Louis

Choosing the best Cremation Package

A funeral home must have a general price list (GPL) outlining their service charges but many funeral homes also offer cremation packages, where a price is offered for a complete cremation service. In comparing costs and services between funeral homes, it is important to ensure you are comparing like-for-like services, especially when it is a quoted cremation package price. Not all cremation providers quote a fully inclusive price when quoting a cremation package. There are generally 3 main types of cremation options – a direct cremation (a basic minimal cremation), a cremation with a funeral service, or a cremation with a memorial service. The difference is that with a direct cremation there is NO service or ceremony conducted by the funeral provider, although you can conduct your own memorial services afterward. A cremation with a funeral service is generally where the deceased is present and the cremation is conducted after the service. A cremation with a memorial service is where the cremation is conducted first and a memorial service is held with the cremation urn present.

How to arrange a direct cremation in St Louis

Direct cremation is fast becoming the preferred, and most affordable, cremation option for families today. It offers a dignified, yet efficient and cheap, way to conduct a disposition. In the Greater St Louis area, you can arrange a direct cremation for $995, which can make handling funeral costs within the means of many families.

How do I choose a cremation provider in St Louis?

Choosing a cremation provider can depend upon what kind of cremation services you require. If you are looking for a cremation with a ceremony or interment committal, then you will need a funeral home that offers the facilities for a ceremony and that is in a good location for your family.

If you have decided upon a simple direct cremation at the most affordable price, then you may consider the services of a provider who specifically offers a direct cremation at a low cost. The locale of the funeral home is not as essential if no services are being held. And many funeral homes have extended their service area for direct cremation services.

The DFS Memorials provider for St Louis is an established funeral home with facilities for ceremonies. DFS Memorials offers families a low-cost alternative in St. Louis.

DFS Memorials ST LOUIS (314) 200-2604 Call with any questions you may have

Lowest cost direct cremation $995 complete

How can I compare cremation providers in St Louis?

It is always wise to shop around and compare services and costs. We do it in any other large purchase we make – so why not when purchasing end-of-life services? You will no doubt be surprised by how much the cost of funeral services can vary between funeral homes in St Louis. At DFS Memorials we conducted research to find the best cremation prices in St Louis to save you the task of phoning round to compare prices. This way we can save you the hassle when you are emotionally fragile.

What if the deceased had no life insurance? Is there any help with cremation costs in St Louis?

An individual passing without any insurance, and family struggling to meet funeral costs, is becoming a more regular occurrence. Public aid can be a little patchy depending upon where you are but you can consult your local county human services or social services to find out if there is any financial assistance near you. The state will meet indigent burials for those that become the responsibility of the State but there are generally eligibility requirements for any state funding for funeral expenses.

There is also the $255 Social Security lump-sum death benefit for those that qualify, and various union, faith, and charitable organizations may offer some support to families to assist with covering funeral costs.

Provider	Direct cremation price
Cremation Services of Metro East	$1,695
Kutis Funeral Home	$1,395
Kriegshauser Bros. Funeral Home	$1,299
St. Louis Cremation	$1,195
Heartland Cremation & Burial Society	$1,045
DFS Memorials	$995

Baue Funeral Homes and Crematory charge $2,795 for a direct cremation.

DFS Memorials St. Louis serves families throughout the Greater St. Louis area, Alton, Belleville, De Soto, Eureka, Festus, Granite City, Pacific, Sullivan, Swansea, Warrenton, Washington, Wentzville and St. Charles, Franklin, Warren, Lincoln, Ralls, Audrain, Jefferson, and Washington Counties.

Arranging an affordable cremation service in Miramar, FL – Just $795

Posted on March 27, 2022 by N. G Pelling

Do you need to arrange an affordable cremation service? We have put together this article to help you understand how you can save money arranging a funeral. In fact, you can arrange a simple, direct cremation for just $795!

The average cost of a traditional funeral in Miramar can be around $10,000+, and this does not include cemetery costs, so it is understandable that many families today are looking for more affordable alternatives. Cremation is now becoming the preferred, more affordable option to conduct a dignified, yet simple funeral service at a fraction of the full cost of a traditional funeral.

Cremation vs. burial?

Cremation offers an inexpensive and flexible alternative to a burial service. Choosing cremation services can save you 40% to 60% (or sometimes more) on the cost of traditional burial services. This is because a casket is not required, or embalming (unless required) and there is no immediate need for a cemetery plot or burial vault. Eliminating these just these few products and services saves thousands of dollars alone.

What different cremation alternatives do I have?

There are 3 main cremation service options. A cremation funeral – where the funeral service is held with the deceased present and a cremation is conducted after the service. A cremation memorial – where the cremation is conducted before a memorial service is held. This can be with, or without, the cremated remains present and can often take the form of an ash-scattering ceremony. Or there is a direct cremation – this is where the deceased is cremated with no services, and the remains are given back to the family. There are some variances around these 3 main options, such as a private viewing before the cremation, an observed cremation, or a graveside interment of a cremation urn.

How much does a cremation cost in Miramar?

The cost of a cremation can vary considerably. This will depend upon the type of cremation service you opt for and the cremation services provider you select. A direct cremation package can be conducted for just $795 complete with DFS Memorials.

Direct cremation services in Miramar, FL

If you are working on a budget for your funeral expenses, you may wish to consider a direct cremation. A direct cremation is the cheapest cremation option. The funeral services provider does everything to take care of the immediate disposition of the deceased but no viewing or services are held. The deceased is cremated in a simple cremation container and then the cremated remains are made available for the family or collect (or if requested delivered/mailed). A direct cremation can be arranged online or by phone without any need for you to visit a funeral home. For your best price on a direct cremation contact your DFS Memorials provider in Miramar at (954) 281-7747 who offers a complete direct cremation package for just $795.

How do I choose a cremation services provider?

As we have highlighted, costs can vary quite significantly between funeral homes for the exact same service. For this reason, we would recommend you compare some costs before making a decision.

Comparing cremation costs in Miramar, FL

All funeral homes have a general price list (GPL) and this should itemize all services and charges. Legally a funeral home must provide you with a copy of their GPL if you request cremation price information, either in person or by phone.

DFS Memorials offer a direct cremation service for just $795.

Death certificates cost $20.00 and one copy is included in the $795 direct cremation package. Additional copies can be requested for $20.00 extra per copy.

What legally do I need to know about arranging a cremation in Miramar?

In Florida, there is a mandatory 24-hour wait period after death before the cremation can proceed. Before a cremation can go ahead the doctor must sign and fill out the cause of death, and the county health department must issue a permit to cremate.

The deceased will be refrigerated during this period, and longer if required, however, you should be aware that many cremation packages will only include refrigeration for up to 5 days and will charge you a daily rate thereon.

Death certificates and permits are considered ‘cash advance’ items and are not always included in a quoted cremation price. However, the $795 direct cremation service package offered through DFS Memorials includes one copy of the death certificate.

Can I preplan a cremation?

Yes, you can prearrange a cremation. Advance planning can help to ensure you get the most appropriate services provider for your needs, and can save the surviving family the financial and emotional burden at the time of death. There are various options open to you to plan ahead so consult with your preferred services provider. A pre-arranged direct cremation plan can be preplanned at a low cost to ensure your family does not have the burden of worrying about funeral costs.

What can we do with the cremated remains?

The deceased had no life insurance – is there any help with cremation costs?

Sadly there is little financial aid that supports those families that find themselves struggling with funeral costs. Most counties do have a budget for indigent funerals but this is generally for those individuals who truly are indigent. Some counties do have limited funds to help low-income families with cremation costs but this can vary county by county. You would need to make inquiries with Broward County Human Services Department at (954) 357-6385 to find out if any assistance is available to you. In these cases often the most basic of funeral services will be supported, with limited control over what happens. A low-cost direct cremation from DFS Memorials can be arranged for $696.

What is “no-cost cremation”?

Some funeral homes now offer this option in Miramar. This is referring to whole body donation whereby after the donation is complete the remains are cremated (free of charge) and then returned to the family or scattered. Generally, funeral homes can get a referral fee from the whole body donation organization, plus they sometimes charge a transportation fee. So all-in-all they do still recoup their costs. As we all know, there really is nothing that is truly free!

How do I obtain a copy of a death certificate?

You can obtain copies of a death certificate from the Vital Records office at 780 SW 24 Street Fort Lauderdale, FL 33315 Phone: 954-467-4700

What happens if the deceased is taken to the Coroner’s Office?

Hopefully, this short guide to arranging an affordable cremation service in Miramar has answered some of your questions and helped you understand how to save costs on a cremation. If you would like to read more extensively about cremation planning, please visit the Resources section on US Funerals Online.

State Assistance for Funerals: What help is available from state budgets for funeral costs for those who cannot afford a funeral?

Posted on July 2, 2021 by Sara Marsden

The reality for many families in the United States today is that a funeral can mean a financial crisis. With 76% of Americans living paycheck to paycheck, 25% living below the poverty line, and 35% in debt recovery, these really are hard times for many average hard-working Americans! The story is a familiar one, working two jobs, juggling mortgage, utility, and car payments, seeking out deals wherever money can be saved, and hoping that nothing comes along unexpectedly to disrupt this fine balance!

In this guide, we have outlined what help is available, who qualifies for financial assistance, how to find out about indigent burial, how whole-body donation can be an option, how you may be able to claim for a COVID death, and other fund-raising options.

Visit How Much does Cremation Cost in 2021? for a breakdown of direct cremation costs.

Who is responsible for paying the funeral bill?

If the deceased died without a funeral plan, money in his/her estate, or a life insurance policy, then the immediate next of kin (and generally the person making the funeral arrangements) becomes responsible for paying the funeral home bill. In many cases, several family members may agree to share the costs.

If the funeral home has collected the deceased and arranged a funeral planning conference with the family, a ‘funeral contract’ will be drafted that outlines exactly what the costs are. Once signed this is a legally binding contract for services, and if you fail to honor this contract and pay for services as agreed, the funeral home can take you to court.

What responsibility does the state have to help families with funeral costs?

The state has responsibility for conducting the dispositions of those individuals who die within the care of the state. Primarily this means those who have been residents in state-owned institutions, such as those individuals who have been incarcerated in prisons, sectioned into mental institutions, in care in residential nursing homes, homeless individuals, and sometimes those who are a victim of a crime. These are referred to as “indigents”. The state only has a responsibility to perform the most basic of disposition services. Traditionally this was a very basic burial in a ‘pauper’ section of a local municipal cemetery. What could also be referred to as a “pauper burial”. Today, more counties are opting to use direct cremation as a cheaper and simpler alternative to burial. A direct cremation can be performed in most states (at a cost to the county) for around $300 – $500.

Unfortunately, more counties are finding their own budgets stretched as more families struggle financially. Where a county would maybe have to deal with 10 – 20 cases a year, numbers in 2018 began to inflate significantly. Several local news outlets have reported indigent cases rising by as much as 50%, as this recent story from Salt Lake County in Utah exposes.

What is an indigent burial?

Where a state has an ‘indigent burial assistance’ program, there may be some ascribed funding to support those on welfare with a basic disposition. The level of support varies tremendously by state and county, and in many areas has been axed as municipal budgets have been tightened. 25% of Americans may be below the poverty line, but in most cases, only 50% of those under the poverty line are considered indigent.¹

What financial help is there for low-income families with the cost of a funeral?

The Federal Poverty Level (FPL) is used to assess how an individual/family may qualify for many low-income assistance programs, and the same applies to fund funeral costs. Many families often misinterpret the phrase ‘indigent death’, believing it to mean an entitlement for a low-income stipend and assuming that the city will automatically take over the costs. If you are a low-income family or individual and wish to find out IF there is any financial support available to you to assist with funeral costs, you should consult your local county Human Services Department to ascertain what (if any) assistance there may be. Check out these state funeral planning guides for state-relevant information (if available).

indigent-cemetery You must be prepared for the fact that you WILL have to conform to rigid assessments for qualification, and if the state provides funding they will only offer basic services over which you will have very little control! The state is likely to offer a direct cremation or a basic funeral. Do bear in mind that in many areas now you can arrange a simple, basic and dignified cremation for between $500 – $995. This enables you to remain in control of the disposition process and provides the opportunity to conduct a family-led funeral by having the deceased immediately cremated and then conducting your own memorial or ash scattering services.

The DFS Memorials network of low-cost cremation providers can help you find your nearest and most affordable cremation provider.

If the deceased qualified – you may also be able to claim the $255 lump-sum death benefit payment that Social Security pays out. (The funeral director will assist you with submitting this claim) Another possibility that has more recently become available as an alternative for those families who cannot afford a funeral is whole body donation. This is where is the deceased’s body is donated to an institution for research, and the costs of cremation are covered by the institution or body donation organization. In some areas, funeral homes have affiliated with body donation organizations and can directly offer this to families. Some funeral homes refuse to on the grounds that it is not part of the level of funeral ‘service’ they wish to offer. You can, however, deal directly with a body donation organization to make a donation. You can read more about ‘Body Donation’ on US Funerals Online.

How does a family claim financial assistance from the county for a funeral?

Budgets are generally managed at a county or city level, and the Human Services (or sometimes Social Services) department handles these budgets and claims for assistance. The application process can be onerous and stringent and any assets, life insurance, and savings will be taken into account. In some areas, a county judge has the ultimate authority to decide whether to accept or decline applications for a burial assistance program. If funding is awarded for a low-income case, this will usually seal the cost that can be spent on a funeral. For example, in Massachusetts, a program offers burial support of costs up to $1,100 for a funeral that cannot exceed a total cost of $1,500, and in New York, a low-income family (if qualifying) can claim up to $900 towards the cost of a funeral, but it must not exceed a total cost of $1,700.

If you want to find out if funding is available in your county, check with your Human Services or Social Services department.

What if I don’t qualify for financial support and I still cannot afford a funeral?

Your best option is to arrange the least expensive disposition available to you. This is a direct cremation. You can generally arrange this for between $500 and $1,000 in most metro areas, and for under $1,500 in most other areas. This can still be a simple and yet dignified send-off. Once the direct cremation is conducted and you have the cremation ashes back, you can arrange a family gathering and a private memorial ceremony. Contact your nearest DFS Memorials provider to find a low-cost cremation.

Fund-raising to meet funeral expenses

More families are forced down this route today. If you opt for a simple, basic cremation this can be achieved for between $500 – $1000, and this is a more realistic amount to raise with some fund-raising activity. Be it car washes, BBQs, yard sales, or a community event – this can prove a means to help meet the full cost of a cremation.

‘No Cost’ cremation

If you absolutely have no funds to cover funeral expenses, and cannot raise funds to pay for a basic cremation or burial, then you may wish to consider a whole-body donation. This is not always the easy solution, as not every donation is accepted. However, it may be a solution if you cannot afford a funeral and you are willing to consider an anatomical donation. You can donate via a local medical school or through a national donation company. Many funeral homes now even liaise on your behalf.

FEMA Funeral Assistance Program

From April 2021, a new fund was made available via FEMA to help families who incurred funeral expenses as a result of losing a loved one to COVID. Up to $9,000 can be claimed for funeral costs, for deaths occurring after January 2020. Read our Guide to FEMA Funeral Assistance for full details on how to claim,

There are some other options you can consider to help you raise funds for a funeral. Reading ‘What are your options on how to pay for a funeral or cremation?’ and ‘Crowdfunding a Funeral’ may give you some further ideas.

Sources:

1 Abandoned Bodies on the Rise in Tom Green County

Arranging an affordable cremation service in Alpharetta, GA – Just $995

Posted on October 30, 2020 by Cremation Advisor

Want to know how to arrange a dignified funeral at an affordable cost? We have put together this guide to help you understand how you can save thousands by arranging a funeral. In fact, you can arrange a simple, direct cremation in Alpharetta for just $995!

The average cost of a traditional funeral in Alpharetta is $6,410, and this does not include cemetery costs, so it is understandable that many families today are looking to more affordable alternatives.

Cremation is now becoming the preferred, more affordable option to conduct a dignified, yet simple funeral service at a fraction of the full cost of a traditional funeral.

Why choose cremation services?

Cremation offers an inexpensive and flexible alternative to a burial service. Choosing cremation services can save you 40% to 60% (or sometimes more) on the cost of traditional burial services. This is because a casket is not required, or embalming (unless required) and there is no immediate need for a cemetery plot or burial vault. Eliminating these just these few products and services saves thousands of dollars alone.

What different cremation alternatives do I have?

You can choose between 3 main options for a cremation:

A cremation funeral – where the funeral service is held with the deceased present and a cremation is conducted after the service.

A cremation memorial – where the cremation is conducted before a memorial service is held. This can be with, or without, the cremated remains present and can often take the form of an ash-scattering ceremony.

A direct cremation – this is where the deceased is cremated with no services, and the remains given back to the family. There are some variances around these 3 main options, such as a private viewing before cremation, an observed cremation, or a graveside interment of a cremation urn.

How much does a cremation cost in Alpharetta?

The cost of a cremation can vary considerably. This will depend upon the type of cremation service you opt for and the cremation services provider you select. The average cost of a cremation memorial service is $3,465, depending upon the length of service held and what kind of casket you purchase or rent. The average cost of a direct cremation in Alpharetta is $1,841 (Funeralocity 2021), although a direct cremation package can be conducted for just $995 with DFS Memorials.

Direct cremation services in Alpharetta, GA

If you are working to a budget for your funeral expenses, you may wish to consider a direct cremation. A direct cremation is the cheapest cremation option. The funeral services provider does everything to take care of the immediate disposition of the deceased but no viewing or services are held. The deceased is cremated in a simple cremation container and then the cremated remains are made available for the family or collect (or if requested delivered/mailed). A direct cremation can be arranged online or by phone without any need for you to visit a funeral home. For your best price on a direct cremation contact your DFS Memorials provider in Alpharetta on (770) 954-6424 who offers a complete direct cremation package for just $995.

How do I choose a cremation services provider?

As we have highlighted, costs can vary quite significantly between funeral homes for the exact same service. For this reason we would recommend you compare some costs before making a decision.

Comparing cremation costs in Alpharetta, GA

According to funeral price research surveys in Alpharetta, the average cost of a direct cremation is $1,841, although a direct cremation can be arranged for less than this with some cremation providers. DFS Memorials offer a direct cremation service for $995.

The Neptune Society has a location in Atlanta and offer a direct cremation service for $1,962 (according to online funeral price website Parting).

When comparing costs and services check what IS included, especially with a budget direct cremation package. Is a copy of the death certificate included? Is the cremation permit an additional cash advance item or included? What about if an out-of-hours collection is required? Is there an additional daily refrigeration charge if the cremation does not proceed after 48-hours? Death certificates cost $25.00 for the first certificate and $5 for each additional death certificate required. You should also note that the county coroner may charge a fee if he is required to sign the death certificate.

What legally do I need to know about arranging a direct cremation in Alpharetta?

There are a few legal requirements that you need to be aware of if you are considering cremation. Firstly, the legal next-of-kin must all sign the ‘Cremation Authorization Form’ before a cremation can proceed.

In Georgia there is a mandatory 24-hour wait period after death before the cremation can proceed. Before a cremation can go ahead the doctor must sign and fill out the cause of death, and the county health department must issue a permit to cremate. The deceased will be refrigerated during this period, and longer if required, however you should be aware that many cremation packages will only include refrigeration for up to 5 days and will charge you a daily rate thereon.

Death certificates and permits are considered ‘cash advance’ items and not generally included in a quoted cremation price. The funeral director will generally obtain the death certificates on your behalf.

Can I preplan a cremation?

Yes you can prearrange a cremation. Advance planning can help to ensure you get the most appropriate services provider for your needs, and can save surviving family the financial and emotional burden at the time of death. There are various options open to you to plan ahead so consult with your preferred services provider. A pre-arranged direct cremation plan can be preplanned at a low cost to ensure your family do not have the burden about worrying about funeral costs.

What can we do with the cremated remains?

As I mentioned earlier there is a versatility on what you can do with cremated remains. You can inter a cremation urn in a cemetery plot or niche, keep an urn at home, scatter the remains or create a cremation artifact such as a cremation diamond, glass paperweight, bird bath or memorial reef ball to name but a few!

The deceased had no life insurance – is there any help with cremation costs?

Sadly there is little financial aid that supports those families that find themselves struggling with funeral costs. Most counties do have a budget for indigent funerals but this is generally for those individuals who truly are indigent. Some counties do have limited funds to help low-income families with cremation costs but this can vary county by county. You would need to make inquiries with Fulton County Human Services Department at 115 M.L.K. Jr Dr NW, Atlanta, GA 30303, USA to find out if any assistance is available to you. In these cases often the most basic of funeral services will be supported, with limited control over what happens. A low cost direct cremation from DFS Memorials can be arranged for $895.

What is “no-cost cremation”?

Some funeral homes now offer this option in Alpharetta. This is referring to whole body donation whereby after the donation is complete the remains are cremated (free of charge) and then returned to the family or scattered. Generally funeral homes can get a referral fee from the whole body donation organization, plus they sometimes charge a transportation fee. So all-in-all they do still recoup their costs. As we all know, there really is nothing that is truly free!

How do I obtain a copy of a death certificate?

You can obtain copies of a death certificate from the Vital Records office at: Fulton County Government Center 141 Pryor St SW, Suite 1029A · Atlanta, GA 30303 Phone: (404) 679-4702

What happens if the deceased is taken to the Coroner’s Office?

Fulton County Medical Examiner, 430 Pryor Street SW, Atlanta, Georgia 30312

Hopefully this short guide to arranging an affordable cremation service in Alpharetta has answered some of your questions, and helped you understand how to save costs on a cremation. If you would like to read more extensively about cremation planning, please visit the library section on US Funerals Online.

*Prices obtained from online funeral price comparison survey 2020