Guys, we’re all screwed. Everyone’s going to die, and the surviving family members are going to get their pockets picked clean by the unscrupulous funeral industry. Many have already been taken advantage of through the option of buying their funeral “pre-need.” How so? By the time the person actually dies (in full confidence that they’ve pre-paid for all the funeral arrangements), the funeral home states that the pre-paid casket is out of stock and a more expensive option is all that’s available; same with every other aspect of the funeral. They even got a law passed in some states (Alabama being one of them) that you MUST use a funeral director, even if you don’t require their services for embalming (unnecessary if buried within 48 hours of death), transportation of the body, purchasing a casket (make your own, or buy from someone not corporately owned), acquiring the death certificate (attending physician can handle this), etc. No, if I die in Alabama, my survivors will still have to pay $2,000+ to a funeral director because he’s “available 24/7.”
Ways to minimize their thievery:
1. Get informed. Read this book!
2. Opt for a green burial in a green cemetery; caskets not usually required (just a shroud), and grave liners not usually necessary (by the way, many of the cemetery owners are also out to rob you, often because they’re also owned by the Big 3).
3. Shop around. Phone different funeral homes and find out which one is cheapest. You HAVE to comparison shop, or you absolutely are going to be taken advantage of. Try not to buy from a funeral home owned by the Big 3 corporations: SCI, Loewen, or Stewart Enterprises Inc. The prices will be through the roof.
4. If you do get a casket, push for a CHEAP, butt-ugly one. Ask them to take you to the cellar, or closet, or garage where they keep the ones that aren’t marked up thousands of dollars. Most funeral homes have a “no-walk” policy; they’ll break and sell you something cheap rather than let you walk out the door.
5. Nail the funeral director to the wall (use a coffin nail if you have to) and make them show you where in the law it states you have to do x, y, or z. Many will lie and say embalming and/or refrigeration (they’ll charge the same price for each, in some cases) are always required by law for health purposes. To my knowledge neither is required if you bury within 48 hours of death. If you can’t bury in that time frame, press them to lower the price for refrigeration. They make other false claims about what’s legally required, too (must have a casket for cremation, only they can transport the body, cremains can only be scattered by them, etc.).
6. Don’t embalm! That leads to pressure to have an open-casket viewing, which leads to extra charges: embalming itself, of course, but also dressing the body in expensive (and useless) fancy clothes, makeup so the body doesn’t look dead (why are we trying to kid ourselves? it keeps us from moving forward in our grief!), and further pressure to buy a fancy casket to “show how much you loved your family member.” Why?! All they’re going to do is rot away in it! Want to show how much you loved the deceased? Plan a memorial service on your own, without the help of the funeral industry; ask your local church to help, or do it yourself at a local park. Make it informal and easy; ask those invited to bring pictures of the deceased, and spend the time sharing stories—funny, sad, heartwarming—talk about their life and celebrate it!
Can you tell this book made me angry? But I’m so glad I read it. I’ll find a way around the funeral industry and put it in my will (along with all the reasons why I’ve chosen as I have); it’ll then be up to my survivors to listen to my post-mortem wisdom and get a death-grip on their wallets.