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April 21, 2023

What To Expect When Preplanning A Funeral

There are several components to making funeral arrangements.

When helping to make arrangements at the time of death, the funeral directors at the Buch Family of Funeral Homes sometimes have to explain to a family that even though Mom or Dad thought everything was taken care of, it really wasn’t.

 

Some people mistakenly believe that they have taken care of everything by stipulating in their will what they would like to be done for their funeral service. Unfortunately, no one reads the will until long after the funeral, when it’s too late. The main purpose of a will is to provide instructions for the handling of an individual's financial affairs, not funeral preplanning.

 

Others, who have purchased a cemetery plot or columbarium niche, believe that this is all that is required, neglecting to also make arrangements for their funeral service. Making arrangements with the cemetery is just one aspect of the preplanning process.

 

There are those who have even taken the step to talk with their family about their funeral wishes, but don’t write the details down.  This can prove problematic and create unnecessary confusion later, as loved ones may disagree about what they each heard. The best way to be clear about your wishes and ensure that your immediate family knows what you want is by meeting with one of our funeral directors to put everything in writing.

 

Preplanning is not complicated. It usually takes about an hour of your time. One of our funeral directors will walk you through the process to help you make the preplanning decisions that reflect what you want. We’re happy to take the time to answer any of your questions and explore options.

 

So what should you expect when preplanning a funeral? There are several components to making funeral arrangements. To start, you can decide if you’d like a traditional funeral service or a more informal gathering, and select the most fitting funeral, cremation, and burial options for you.

 

You’ll have time to discuss and explore such options as your preferred venue, merchandise, music, published tribute and final resting place. We’ll gather your vital information, which will be needed later for death certificates and filing for Social Security or veterans’ burial benefits, along with life insurance claims.

 

When you preplan your funeral, we’ll also explain funding options and address any of your financial concerns. If you choose, you can also arrange to prefund your services. Prefunding arrangements can be made through insurance, a trust, local bank or affordable monthly payment plan. Remember, there is no obligation on your part to prefund your arrangements.


Once all your arrangements have been made, we will provide you with a complete record of what you’ve selected, including a listing all of the goods and services you have purchased and the price. You will receive a written preneed funeral contract explaining, in plain language, your rights and obligations. That way, you will have all the details that you need to share with your family, so that they also know what you’ve planned. The body content of your post goes here.

The Benefits of Pre-Arranging Your Funeral

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You Can Still Find Reasons To Give Thanks During Thanksgiving

October 13, 2023
Bring their memory to the table Serve up a tasty reminder by preparing some of your loved one’s favorite recipes. Give a Thanksgiving toast or prayer that acknowledges the role that they played in your family’s lives. Consider creating a centerpiece made up of mementos from their life for the table. Or go around the table and ask each person to share something they are grateful for about the person who has died. Do something together to honor their memory There are many Thanksgiving Day events that your family can participate in to honor your loved one’s memory. Sign up for a turkey trot or charity walk. Watch one of their favorite movies together. Attend a remembrance service. Donate food or money in their name. Help to serve a Thanksgiving meal to families in need. Continue to share your memories Every family has their favorite stories and memories that they tell that highlight the unique personalities of each member. Be sure to continue sharing your memories and reminisce about those that you have lost. Whether it’s at the dinner table or during the football game, simply talking about your loved one is often what we need most after a loss. Accept that this Thanksgiving will be different. Try to find the balance between moments of grief and moments of joy. Listen to your intuition and only do what you can manage. Taking care of yourself is the most important thing. Grief is hard and tiring. Get plenty of sleep and give yourself permission to let in some joy this Thanksgiving.

Why You Need To Keep Beneficiary Designations Up To Date

October 13, 2023
Who can be a beneficiary? In most cases, people name their spouse, children or someone who financially depends on them as beneficiaries. A beneficiary can also be a sibling, other family member, friend, charity or trust. There are two types of beneficiaries: primary and contingent. If the primary beneficiary is deceased, then the asset goes to the contingent beneficiary. Why is it important to designate beneficiaries? Beneficiary designations take effect immediately after death. Because of this, they override any instructions that may be in a will regarding the distribution of assets. Having beneficiaries named on an account circumvents the probate process and helps ensure that assets can be transferred to heirs without delay. Even if you write a legal will leaving the assets to another person, whoever is listed as the beneficiary on your accounts is the person who will inherit. Matching beneficiary designations with provisions in your will can ensure that your wishes are followed properly. Retirement account beneficiaries Even changing your job can necessitate updating your beneficiary. If you roll over your retirement account, make sure that the account lists the correct beneficiaries. Previous beneficiary designations generally will not automatically move with your assets. Provisions for beneficiaries vary from plan to plan and state law — some of which automatically eliminate former spouses as beneficiaries. However, for many employer-sponsored retirement plans, such as 401(k) plans, these laws do not apply. A cautionary tale Suppose you married in your twenties, had two children and set up a life insurance policy, naming your then-spouse as beneficiary. Fifteen years later, you have divorced and remarried, and now, you have a child with your new partner. If you never updated your beneficiaries on your life insurance policy, your ex-spouse would inherit, leaving no proceeds for your current spouse or any of your three children. Take the time now to check that beneficiary information on your accounts is accurate and up to date. Updating your beneficiaries is simple, usually requiring filling out paperwork or making changes online. DISCLAIMER: Individual circumstances and state laws vary. Only undertake estate planning with the help and assistance of an attorney licensed in your state. If you need advice about designating your beneficiaries, talk to an attorney or estate planner to help ensure your final wishes are carried out.

Make Arrangements In Advance Online

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How to Help a Coworker Who is Experiencing Grief

February 22, 2023
Consoling a member of your family or close friends over the loss of a loved one can be difficult, but figuring out how to acknowledge that same kind of loss to a coworker or employee adds another layer of complexity. With family and friends whom you have a close relationship, you have the benefit of knowing that person and how you might help them manage their grief. You may not have that same level of familiarity with coworkers. A first step for managers or supervisors of someone who has experienced a loss is to make sure that your employee is aware of how the company (and you) can support them during their time of grief. Make sure that they know about the company's bereavement policy and any human resources support that are in place. In addition, let them know that you are aware that grief can have an impact on their ability to think clearly and perform their job duties. Flexibility is key to helping them. Everyone has struggled to manage the demands of work at one time or another. On average, U.S. employees receive four days of paid leave. Returning to work in such a short period of time can be challenging. Considering that the very real physical symptoms of grief, including ‘brain fog’ and loss of energy can decrease work productivity, coworkers can help by offering to assist them with some of their duties. Coworkers can also support grieving people by acknowledging their loss in person, with a note, or email. Whatever method you chose, it’s important to acknowledge their loss in some way. Remember to keep it simple. Avoid cliches about ‘being in a better place’ or giving advice. If you talk with them, don’t ask about details of the death, which can be upsetting. Simply listening is the best thing you can do. Don’t be tempted to share your stories of loss. Now is not the time to focus on your experience. It’s time to support someone else along their journey. If you don’t know your coworker well, be observant and take your cues from them. Judging as best you can when they are open to talking or when they prefer privacy. Most importantly, give them the time they need to deal with their loss. Grief doesn’t just magically disappear in few weeks or month. It ebbs and flows for a long time, sometimes even years. So, remember to periodically check back in with your coworker to see how they are managing their grief. 
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