Exploring Funeral Costs: 5 Ways to Plan

Exploring Funeral Costs: 5 Ways to Plan

May 1, 2021

Funeral costs can vary depending on where you live and what goods and services are selected. However, most people do not want funeral costs to become a financial burden for their surviving loved ones, especially during an emotional and difficult time. Funeral planning can help ease this burden and provide peace of mind. 

“Americans as a whole tend to be uncomfortable with the concept of death. While no one looks forward to addressing end of life issues, they are a reality and are becoming more complicated as people live longer. Being prepared, especially when it comes to advance funeral planning, makes difficult situations far easier to manage,” said Joseph Reardon , Vice President for Community Development and Advance Planning at Keohane Funeral Home.

Here are five ways to plan for funeral costs in advance:

1. Plan ahead : The best way to save money and prevent emotional and financial burdens on your family is to plan ahead. Pre-planning a funeral also guarantees that you will receive the kind of funeral you wish to have. Most funeral homes offer free advance funeral planning services, so be sure to ask to speak with a funeral prearrangement specialist. Taking advantage of this opportunity will help you understand your options, provide a written record of your wishes, and give you the option to take care of funeral costs in advance.

2. Know Your Rights : To help consumers understand the costs of funerals, the Federal Trade Commission enacted the Funeral Rule which allows patrons to choose and pay for only the goods and services they want when making funeral arrangements. The Rule also requires funeral homes to give a written price list of items and services, and it allows for comparing prices among funeral homes. The Rule does not apply to third-party sellers, such as casket and monument dealers, or to cemeteries without an on-site funeral home.

3. Pay in advance : While advance funeral planning does not require pre-payment, paying ahead of time offers financial benefits such as cost protection and assistance with public health benefit eligibility. “Many people find it helpful to get an idea of costs in advance at a time when they are not overwhelmed by emotion and can think clearly,” said Reardon. “If you choose, you can pre-pay the funeral home to be held in trust.” And, if your income and assets exceed allowable Medicaid levels, you may begin the process to become eligible under Medicaid spend down rules which allows you to subtract your medical and funeral expenses from your income in order to become eligible for Medicaid. An irrevocable funeral trust is allowed to put aside funds to pay for funeral and burial expenses which are exempt assets toward Medicaid eligibility.

4. Government benefits : Your family may be eligible to receive funeral benefits from the Unite States government. If your loved one was a veteran, they may be entitled to certain burial benefits, including monetary assistance and a free burial space in a state or national cemetery and a grave marker. This benefit also includes internment, or the opening and closing of the grave, and the perpetual care and maintenance of the state or national cemetery grounds. Spouses and dependents may be buried in a national cemetery with the Veteran. If your family chooses a private cemetery, the VA provides a headstone, marker or medallion, burial flag, and a Presidential certificate. Also, the Social Security Administration pays out a small, one-time survivor’s benefit at the time of death.

5. Consider affordable options : Cremation is becoming an increasingly popular option for final dispensation in the U.S. Because there is no need for a burial plot, casket and opening and closing of the grave, cremation can be an affordable alternative to traditional burial. However, many families who choose cremation are still choosing to have a complete funeral service, including a viewing. Another affordable option is through whole body donation, which is also a generous gift. Whole body donation goes toward aiding medical research as well as a teaching tool for medical students and surgeons. In most cases, donating your body to science can be at no cost or low cost. Most of the whole-body donation agencies cover the entire cost, including transportation of the body; permits and death certificates; embalming; cremation and return of the cremated remains.

For more information on planning for a funeral or to request a copy of our free funeral planning guide, please contact Joe Reardon at 1-800-Keohane (800-536-4263).

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By John Keohane February 27, 2025
Brigette Gibson, Funeral Director You’re a Quincy native from a large family. You were familiar with Keohane from growing up, right? Yes, through growing up in Quincy, but actually, John Keohane raised his family right across the street from my grandmother. And John’s wife, who I call Miss Wilk, was my kindergarten teacher at Sacred Heart! How did you end up working at Keohane and becoming the Office Manager for the Weymouth locations? COVID, I think for everyone, was a time of change and reflection. My son was five months old when COVID started. It was such a blur back then, but I knew I didn't want to go back to what I was doing. I thought I’d work part-time and be home more with him. So I went on Indeed and saw that there was a job for a part-time bookkeeper here. I thought, “that's great, part-time! I can do that. I can still be home with him. I don't have to send him to daycare full-time. I started as the bookkeeper and I did that for about a year. During that time, I did the books but I also wanted to learn everything. I started listening to people answer the phones. Some of the staff took me under their wings and when they heard me speak with people, they said “you have a knack for this. You make people feel comfortable and you’re trustworthy. You follow through with whatever you say.” John Keohane noticed something in me and one day he came to my office and said “Brigette, I want you to be the Office Manager.” I told him I wasn’t sure. Even though I was never actually part-time, I was working 40-45 hours a week from the start because I loved it and wanted to learn everything. I liked what I was doing. But it’s very hard to say no to John, and so I became the Office Manager (laughs). What did you do before joining Keohane? I went to nursing school. When you’re 17 years old and someone says “what do you want to be when you grow up?” I thought I wanted to be a nurse. I learned very quickly that I didn’t want to be a nurse! I was still trying to find myself and was waitressing and working as a nanny, but it didn’t spark my joy. Something was missing. When I started working at Keohane, I realized that I love the family care that comes with this job. You’re now a full-time Funeral Director! Yes! I passed all my exams last September and was sworn in. What’s the transition been like? Are there days when you wake up and think “I can’t believe this is what I’m doing now?” I’ve enjoyed every aspect, from being the bookkeeper and managing the office to now being a funeral director. I’ve appreciated every single moment. And now that I’m here, I still want to learn, I still want to know what’s next for this career? How else can I grow? There are eight funeral directors at Keohane and each of them has taught me something over the past two years, and they still do. I still rely on them every single day and I’m still learning. It sounds like you’ve received a kind of parallel education at Keohane, in addition to what you learned in college to get the degree. Yes. And the other funeral directors will come to me when they have a billing question or death certificate question, things that I’ve done behind the scenes over the past few years, because as the Office Manager I handled all of the scheduling and death certificate information and calling the doctors and the churches and organizing. What are some of the basic responsibilities of a funeral director? It starts with the first phone call, and it could be a call before someone has passed, or it’s the first call after someone has passed. We’re there to help guide them. We’re not there to tell them what to do; we’re there to help them make decisions. We have to ask the hard questions. Death is still taboo to some people. They’ve never talked about death with their loved ones . It’s counseling people, discovering how they want to celebrate their loved one’s life. We explain to them that if they want to hold visiting hours, this is what’s going to happen. This is what you’ve got to do. And then we sit down together with the family and plan the services. There can be a lot of juggling. Some family members might have different opinions on services. Our job is to guide and educate them on what’s best. And then, getting all of the Mass information and planning the Mass and scheduling visiting hours and services and cemetery info. If you don’ thave a cemetery propery, do you opt for cremation? Cremation opens a lot of options as well, which a lot of families are now choosing, and we as funeral directors can help them plan what to do. You become a kind of therapist in a way, providing a voice of calm when there’s so much difficulty swirling around them. This is already a hard day. You don’t need to make it harder by focusing too much on the smaller details. We’ll help you with all of this. There’s also the aftercare when services have ended. Families go home and they have to sit with some of those feelings. Often they’ll start to get anxious about closing a bank account and what do do with the cars. We’re there to answer any questions a family may ask, and if we don’t know the answer, we’ll try to get them the answer. We’re here to help you. And sometimes when I’m out and about, someone will come up to me and say “oh, you ran my grandmother’s service,” or “you were the funeral director at my uncle’s wake” and they offer such kind feedback. I love that about this job. What does an apprenticeship as a funderal director entail? What are some of the responsibilities that you took on during that period? My apprenticeship was a lot different than most people’s. I never came to Keohane thinking I’d be a funeral director. John (Keohane) said “I see something special in you and let’s work this through,” because I was still the Office Manager! I was educated, I had the skills, but I still wanted to learn everything hands-on that I was learning in school. So I’d go on transfers, I would be in the care center helping as a second pair of hands, observing as much as I could. I’d help set up visiting hours, help on funerals whereever I was needed. We all need to learn. It’s not my family; it’s our family we’re serving. How difficult was it to manage your studies while doing your day job and maintaining your family life? I went to school full time and I still raised a family and I just got it done. I took summer courses. I took winter courses. I had a goal that I was going to get this done in less than two years. And I did. It was a blur. I couldn't tell you about the past few years. But I'm really proud of being able to do that as a mom and working full-time. Just being a mom and going back to school in my late 30s… you guys can do this! Just just put your head down and power through it. The industry is changing quite a lot. Americans are becoming less religiously affiliated. Cremation is becoming a much more popular option than it used to be. How do you adapt to meet the changing needs for funeral care? Ooh, good question! As funeral directors, now we can become creative. We can make services that much more personable and build them around what the family wants. I’ve been lucky enough to have a few families that didn’t want to go to church but still wanted a service.It might take a little longer to pull some of the information out of them, but once we do, we’re able to dig into our creative sides. I felt that I was able to do that with some of these families that wanted to choose their own service, and I got to know the decedent that much better. I got to know who I was serving. I had a service for a Deadhead (Grateful Dead fan) a few months ago. The decedent’s brother told me that he liked the Dead, followed the band around for a long time. So everyone wore tie dye to the funeral, they shared stories about traveling around the U.S., and we played Grateful Dead music. The man’s nephew got up and sang a Grateful Dead song with his guitar. When they were leaving, the man’s brother said “this is exactly what he would have wanted. This is exactly how his friends saw him. This was the closure that we needed. What are your favorite parts of the job? Oh God, there’s so many! I like the initial arrangement with the family. I feel like the families come in so nervous. They don’t know what to expect. We just start to talk. I don’t jump into the arrangements right away. I’ll listen to someone share their stories and their memories for as long as it takes. I truly enjoy that aspect, getting to know them. I’ll ask them about their family member who’s passed, and they often will start sharing stories and memories right away . And towards the end of the service, when the family will stop and take a moment to say “thank you, thank you for doing this.” I always tell them that they were doing the hard work. This is what I love to do, and it’s a gift. Keohane does a lot of outreach in the community. What are a few of your favorite local community organizations? It’s been awesome to see Dennis (Keohane), especially, have such a passion for the playground or the skate park. I’m most passionate about Quincy, since I’m born and raised here. I love seeing the Keohanes involved with the Quincy 400 and Interfaith Social Services and the annual coat drive. We’re a staple of the community. You can contact Brigette Gibson via email: brigette@keohane.com or call 781.335.0045. Meet the full Keohane team here .
By John Keohane February 27, 2025
Cremation has become an increasingly popular choice for end-of-life arrangements. Per the National Funeral Directors Association, 62% of people opt for cremation, nearly double the volume of people choosing a traditional burial. Despite the rising volume of cremations in the U.S., misconceptions about the process persist. This blog post aims to dispel the most common myths, provide you with factual information, and help you in making informed decisions regarding cremation. Of course, you are always welcome to speak with a Keohane team member to answer specific questions or learn more in-depth what our process entails. Myth 1: Cremation Is Environmentally Harmful Fact: Traditional cremation involves high energy consumption and emissions. However, advancements have led to more eco-friendly alternatives. For instance, water cremation, also known as alkaline hydrolysis, is considered gentler and more sustainable than conventional methods. Additionally, you can choose a biodegradable urn or scatter ashes in meaningful locations to further reduce environmental impact. (We can help you arrange a scattering of ashes on land or sea; learn more here .) Myth 2: Cremation Limits Memorialization Options Fact: Cremation offers a variety of personalized memorialization choices. Beyond traditional urns, ashes can be incorporated into special jewelry , artwork, or even planted with a tree to create a living memorial. These options provide families like yours with meaningful ways to honor your loved ones. Myth 3: Religious Beliefs Prohibit Cremation Fact: While some religions have specific guidelines regarding body disposition, many have become more accepting of cremation. It's essential that you consult with your spiritual advisor to understand your faith's current stance, making sure that your choices align with your beliefs. Myth 4: Cremation is Less Respectful Than Burial Fact: Respect and dignity are paramount in both cremation and burial processes. Keohane Funeral and Cremation adheres to strict protocols to ensure that the deceased is handled with the utmost care, regardless of the chosen method. We hold sacred the tremendous responsibility you’ve given us in your time of need. Making an Informed Decision When considering cremation, take the following factors into account: Personal Values: Consider your environmental concerns, spiritual beliefs, and personal preferences. Family Wishes: Engage in open discussions with family members to ensure that the chosen method honors collective sentiments. This is another reason why advanced planning is such a worthwhile investment of your time. Financial Considerations: Cremation can be more cost-effective than traditional burials, though your costs will vary based on the services you choose. Legal Requirements: Familiarize yourself with local regulations and ensure all necessary documentation is in order. At Keohane, we understand deeply that choosing between cremation and burial is an intensely personal decision. Our compassionate team is here to provide you with comprehensive information, answer all of your questions, and support you in making the best choices for you and your family’s values and wishes. Contact us today to learn more about our cremation services and how we may assist you in arriving at your best choices.