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Paul Lane Funeral Home, Inc. in Jamaica, NY - Pre-Paid Funeral Options - Paul Lane Funeral Home, Inc.
Paul Lane Funeral Home, Inc. in Jamaica, NY - Pre-Paid Funeral Options
We provide information on PrePlan, which is a personal trust fund run by the New York State Funeral Directors Association, and answers to some frequently asked questions about prepaying your funeral.
There are a growing number of options available to the public today when seeking to PrePlan and prepay their final wishes. We can tailor a plan that is right for you. From single pay plans to automatic monthly bank withdrawals in 12/18/24/36/48 or 60-month plans designed to meet anyone's budget concerns, our staff would be pleased to outline the choices available.
Pre-paying your contract in full today can protect you and your family from future inflationary trends while providing the piece of mind of knowing that they will be cared for after you are gone. Below you will find more detailed explanations of the plans that we have available. If you would like to request an appointment at your home or in our offices after you have reviewed this information, we would be pleased to have one of our staff go over any additional questions you might have. We will explain to you the many pre-payment options for funeral services available and assist you in selecting one to best serve your needs.
Make sure that you make arrangements with a funeral home that is a member of the New York State Funeral Directors Association and who also uses PrePlan. A trust fund is opened under your social security number so you retain ownership of the funds until the time that services are rendered. Funeral Directors only have access to funds in the PrePlan once services are performed and a certified death certificate has been sent to close the account. By using PrePlan you can rest assured that all of the money deposited, stays in the trust fund and gains interest towards future funeral expenses. Your money is completely portable in the PrePlan because it is not in the possession of the funeral director. Money can be transfered to any funeral home of your choice at the time of services. PrePlan is the safest way to make and pay for your funeral arrangements.
This is the type of arrangement that many people will make for themselves or their loved ones. The arrangements can be changed at any time and are fully refundable. Revocable arrangements apply to people who are not on SSI/Medicaid.
This is the type of arrangement that applies to people who are applicants or receipents of SSI/Medicaid. New York State law mandates that pre-funded funeral arrangements for applicants or recipients of SSI/Medicaid be Irrevocable. Under this type of arrangement no refund is possible because the funds set aside for funeral expenses is exempt from Medicaid fund resource limits. Any funds left over after the execution of funeral services must be returned to the county that paid for the decedent's care. All detailed selections must be made and shown on the contract given to the purchaser and SSI/Medicaid. At the time of services additions can not be made to 'use up' any extra remaining funds in the trust, those funds must go back to the county. This is the most common type of arrangement for people who are in a nursing home and are in the 'spend down' phase while submitting an application to SSI/Medicaid. SSI/Medicaid allows you to pay for your funeral arrangements in full before exhausting most of your resources on medical care.
Guaranteed price pre-arrangements can be either Revocable or Irrevocable, but must be paid in full at the time the PrePlan account is opened. The price guarantee typically applies to the funeral home charges. In some circumstances a Full Price Guarantee may be avilable for everything, including the cash advances. Cash Advances are the specific portion of the PrePlan agreement used to pay for third party services such as fees for the cemetery or crematory, death certificates or clergy honorarium.
Non-Guaranteed price arrangements are when full payment is not made at the time the PrePlan account is opened. Regular PrePlan accounts can be opened with as little as $500 and then additions can be made by the purchaser at any time and in any amount.
Select Pay is a way of paying for your PrePlan account arrangements on a monthly basis. It requires a minimum deposit of $250. The remaining funeral charges are divided into monthly payments making it easier for consumers with financial restraints. You have the option of splitting up your payments over the 12, 18, 24, 36, 48 and 60 month terms that are available. Once the account is opened, every month a payment coupon or an automatic electronic withdrawal from your checking account is sent to PrePlan for the specified amount.
One of the most important things you can do is to begin thinking seriously about your final arrangements. Decisions such as whether you would like to be buried or cremated and where you would like your final resting place to be can give you a place to start your planning process.
By opening a PrePlan trust account and making small monthly payments of as little as $50 a month over a number of years you can begin to take steps financially to offset the final costs of funeral services.
The reality is that we will not be here forever. It is how we each prepare for this inevitable event that can make all the difference between having a “Celebration of Life” or an emotionally and financially stressful obligation left for loved ones to carry out.
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