Funeral Background Information Norm Larsen Funeral Planning And Memorial Society Of Manitoba

Transcript

PLANNING YOUR FUNERAL Background Information Norm Larsen Funeral Planning and Memorial Society of Manitoba In America, death is treated as an unexpected emergency. Instead of the last rites, we deal with the last crisis. It’s no wonder funerals often seem awkward and painful. We are not prepared. The problem is that we are reluctant to talk about death. -Robert Fulghum, From Beginning to End: The Rituals of Our Lives (1995). Making our end-of-life decisions may be less fearful to face if we understand what happens to the body after death, and demystify the funeral options. -Lisa Carlson, Caring for the Dead: Your Final Act of Love (1998). January 2008 2 Contents Part 1 - Introduction ........................................................................................................................ 5 Four essential documents............................................................................................................ 5 When should a lawyer be consulted?.......................................................................................... 5 Copyright ........................................................................................................................................ 5 Starting Out: Six Questions ............................................................................................................ 6 #1: Do You Want to Donate Your Body?................................................................................... 6 #2: Do You Prefer Cremation or Earth Burial? .......................................................................... 6 #3: Do You Want a Service? ...................................................................................................... 6 #4: What Type of Funeral Do You Want?.................................................................................. 6 #5: If You Choose to Bury Your Body or Ashes, Where is it to Be?......................................... 6 #6: Do You Have a Funeral Budget?.......................................................................................... 6 “Death Care” Vocabulary ............................................................................................................... 7 Some Definitions ........................................................................................................................ 7 Words Relating to Cremation ..................................................................................................... 7 Words Relating to “Earth Burial” ............................................................................................... 8 Part 2: The American Way of Death............................................................................................... 8 Before the 20th Century: Home Funerals .................................................................................... 8 During the 20th Century: from “Home Funerals” to “Funeral Homes” ...................................... 8 Do Consumers Know What They Want?.................................................................................... 8 Choosing a Funeral Director or Funeral Home........................................................................... 9 Part 3: The Funeral Business in Winnipeg ................................................................................... 10 “The Cost of Dying in Winnipeg” ............................................................................................ 10 Winnipeg’s 25 Funeral Homes ................................................................................................. 10 Laws that Govern Funeral Directors and Homes...................................................................... 12 A Voluntary Association of Funeral Directors ......................................................................... 13 Do It Yourself: A Funeral without A Funeral Director ............................................................ 13 Procedure .................................................................................................................................. 14 Body Removal (or “Transfer”) Services................................................................................... 14 Part 4 The Three Ways to Dispose of Your Body ........................................................................ 14 1. Donation for Anatomical Studies or Transplant ................................................................... 14 2. Cremation.............................................................................................................................. 15 3. Earth Burial: Three Choices.................................................................................................. 17 Cemeteries................................................................................................................................. 18 Mausoleums: a 4th way to dispose of your body! ..................................................................... 19 Part 5 Funeral Services and Memorial Services ........................................................................... 19 Part 6: The Costs........................................................................................................................... 20 The Four Types of Costs........................................................................................................... 20 Cost #1: the services of a funeral home .................................................................................... 20 Cremation: three choices........................................................................................................... 21 Funeral Homes: prices for the simplest service they provide ................................................... 22 Cost #2: various items – depending on the type of funeral....................................................... 23 Cost #3: a grave for the body or ashes...................................................................................... 24 Cost #4: a memorial for the grave............................................................................................. 25 How Are Funerals Paid For?..................................................................................................... 25 Should You Pre-pay? ................................................................................................................ 25 Consumer Tips from Books and Articles.................................................................................. 28 Index ............................................................................................................................................. 30 4 Part 1 - Introduction Soon after I retired a few years ago, I discovered that there is very little information available about the funeral industry in Winnipeg – even about such simple matters as to how many types of funerals there are, how many funeral homes there are in Winnipeg – and who owns them. To get answers, I visited every Winnipeg funeral home, interviewed funeral directors, and read all the books I could find on funeral planning and funerals. The result of all the visits and books is this document and the related document, “My Funeral Plan”. Every funeral director knows more about this subject than I do, but they are busy making a living – and the information they provide is often little more than advertising. I still don’t know very much about the funeral industry, but as “an interested amateur”. I have made presentations to various groups since 2003. I have now spoken to more than 500 people. In addition, the two documents have been distributed many more people and groups by mail. My message is this: Have any kind of funeral you want – but make a funeral plan! Four essential documents Everyone – especially senior citizens – should have the following documents: 1. A power of attorney, to appoint someone to look after your financial affairs if you can’t. 2. A health care directive (living will) to appoint someone to make your health care decisions if you can’t. 3. A funeral plan that indicates what you want to happen when you die. 4. A will, to dispose of your property after you die. When should a lawyer be consulted? In my opinion, a lawyer specializing in Estate Planning should definitely be consulted in respect of a power of attorney and a will. Few lawyers have any expertise in the other two documents, and most of us can do them on our own. Copyright Copying and distributing this document for a non-profit purpose is invited and encouraged. For information on copying for any other purpose, please call me at 231-1143. 5 Starting Out: Six Questions A funeral plan requires answers to at least the following questions. #1: Do You Want to Donate Your Body? You might wish to donate your entire body for medical education (also referred to as “anatomical studies”) or scientific research, or part of your body for transplant. But even if you wish to donate your entire body, it might be refused — for any number of reasons. So you must have a back-up plan, starting with the following choice. #2: Do You Prefer Cremation or Earth Burial? How do you want your body disposed of? Your choices are cremation or earth burial. #3: Do You Want a Service? Do you want a funeral service (with your body present) or a memorial service (your body is not present)? If so, where do you want the service held – and what do you want to happen at the service? #4: What Type of Funeral Do You Want? The answers to #2 & #3 will direct you to one of the following SIX basic types of funeral: Cremation 1. Immediate cremation with no memorial service. 2. Immediate cremation, followed by a memorial service – on the same day, or later. 3. A funeral service with your body present in a casket, followed by cremation. Earth Burial (of your entire body) 4. Immediate earth burial with a graveside service. 5. Immediate earth burial, followed by a memorial service – on the same day, or later. 6. A “traditional” funeral service – with your embalmed body present in a casket, whether open or closed – followed by earth burial. #5: If You Choose to Bury Your Body or Ashes, Where is it to Be? And what kind of memorial (marker or tombstone) do you want on your grave? #6: Do You Have a Funeral Budget? How much can you afford to spend — or how much are you willing to spend — on your funeral? The estimated average cost of a funeral is $5,000 to $10,000 – including a grave and marker. 6 “Death Care” Vocabulary The words in each of the following groups mean much the same thing. ashes, remains, cremated remains, cremains (a contraction of “cremated remains”). coffin: an octagonal (eight sided) shape; casket: a rectangular (four sided) shape. dig up and fill in, open and close; opening and closing. “Open and close” applies to niches too. funeral industry, death care industry, funeral business, the dismal trade (old English). funeral parlour, mortuary, funeral home, funeral chapel. grave, lot (one grave), plot (two or more graves). remove a body (from the place of death), transport a body, body removal, transfer. traditional funeral, complete interment service, full service funeral (includes embalming, casket, viewing, earth burial). undertaker, mortician, funeral practitioner, funeral director. Some Definitions at need, pre-need: when you call a funeral home, you are either “at need” (someone has just died) or “pre-need” (you are planning someone’s funeral – perhaps your own - but the person has not died). body-snatching once referred to digging up a corpse, but it now refers to a funeral home picking up a corpse without authorization – such as after receiving a telephone inquiry for a price quotation. decomposition: the process by which a corpse turns to dust. “Ashes to ashes, dust to dust” is often quoted from The Bible: Genesis 3:19 and Ecclesiastes 3:19-20. Words Relating to Cremation cremation: the reduction of body mass by the use of intense heat, leaving only mineral residue. crematory, crematorium. There are three plural forms: crematoria, crematoriums, crematories. columbarium: a building, room or wall with compartments (niches) in which to store urns. inurn/inurnment: burying an urn in the ground, or placing an urn in a niche in a columbarium. 7 minimum container/alternative container: the “minimum” varies from funeral home to funeral home. It is sometimes a plywood casket, a cardboard container, or a so-called “dignity box”. Words Relating to “Earth Burial” earth burial: this term refers to burying the whole body (though of course cremains can be buried) embalming: injecting a corpse with chemicals to temporarily delay decay and to give the appearance of a life-like condition, usually for the purpose of viewing. viewing: the body is in an open casket; visitation or prayers: the body is in a closed casket. Part 2: The American Way of Death Before the 20th Century: Home Funerals Before funerals became a business, the family and friends of a deceased person did everything required to dispose of the body, including washing and preparing the body for burial, constructing a casket, arranging a wake, and digging the grave. Heather Robertson, Grass Roots (1973) – referring to Winkler, Manitoba: Before 1949 [when a funeral home opened in town] the dead were simply planted in the front garden, close to the road so the headstones would be visible to passersby. The body was washed by the local women, stitched into a white cotton shroud, and laid out for a day or two in the parlour. Caskets were made by the village cabinet maker. Funeral invitations were circulated like chain letters: the first name on the list delivered it to the second, the second to the third, and so on. During the 20th Century: from “Home Funerals” to “Funeral Homes” What funeral homes now call a “traditional” funeral is based on the 20th century “traditions” of the funeral industry. Funeral homes can of course provide a valuable service, but some critics argue that a family’s involvement is too often reduced to following a funeral director’s directions and paying the bill. The critics suggest that a family’s participation in arranging and conducting a funeral helps them to grieve. The prime example of a funeral home “tradition” is embalming. It began in modern times during the U.S. Civil War (1861-1865), and has been promoted by the industry as a necessary part of grieving and “closure”. Critics argue for less emphasis on the body of the deceased, and more emphasis on celebrating his or her life. Do Consumers Know What They Want? It is said that a funeral is the third or fourth most expensive thing most people will buy in this life, after a house and a car, and maybe a wedding – and divorce. The average person is involved in arranging at least two or three funerals in a lifetime. Funeral directors like to say that they sell their customers only what the customers want to buy. But do their customers know what they want? 8 Do funeral directors take time – do they have enough time – to explain all the options to every customer? Relying on a customer’s pre-conceptions can save a lot of time. ♦ Darryl Roberts (a former funeral director), Profits of Death: An Insider Exposes the Death Care Industries (1997): “There is one glaring difference between the funeral industry and other types of business. There is much more consumer knowledge available about nearly every other type of business…. When it comes to funeral and cemetery goods and services, the consumer woefully lacks the basic knowledge about what choices are available and what they should cost.” Jessica Mitford, The American Way of Death, Revisited (1998): “Choice does not enter the picture for average individuals faced with buying a product of which they are totally ignorant, at a moment when they are least in a position to quibble. The cost of a funeral almost always varies … according to what the traffic will bear.” ♦ Darryl Roberts, Profits of Death: An Insider Exposes the Death Care Industries (1997): “Death is often ignored until one has no alternative. But by then, the death merchants have us right where they want us: vulnerable, emotional, susceptible, and with checkbooks in hand…. Many of the people I met during my years in the funeral business were fine people. By and large, they are good folks, but they are business people first and foremost. Their motives are too often fueled by profit…. “Funeral directors assume you will deal more easily with your grief if you buy the most expensive services. They assume you want to purchase the best for the most, to show family and friends how much you cared for the deceased.” Choosing a Funeral Director or Funeral Home Jessica Mitford mentions an unusual fact: the fewer funeral homes there are in an area, the lower their prices tend to be; the more funeral homes there are in an area, the higher their prices tend to be. Mitford suggests a reason for that: people arranging a funeral rarely shop around. Lisa Carlson, Caring for the Dead: Your Final Act of Love (1998): “According to a 1995 study for the funeral industry [in the U.S.], almost 90% of people do not shop around for a funeral: • 45% pick a funeral home that served someone else in the family; • 33% call the nearest funeral home; • 11% pick a funeral home based on perceived ethnic or religious affiliation.” Integrity and trustworthiness Earlier editions of this document were given to more than 25 funeral directors in Winnipeg. Two of them criticized this page for not saying something about choosing a director based on integrity and trustworthiness. They were asked to provide information on how a consumer can measure those factors. No information was provided. Of course, those factors are important in choosing anyone who delivers a service, but it is for the consumer to decide how to recognize and measure them. 9 Part 3: The Funeral Business in Winnipeg “The Cost of Dying in Winnipeg” On October 7, 1997 the Winnipeg Free Press published several articles by reporter Paul Wiecek under the headline “The Cost of Dying”. The following are excerpts from those articles. * * * A Free Press investigation of the local funeral industry found wide price disparities among funeral homes are commonplace and markups on some coffins that topped 350%. An industry spokesman said the price range is a function of the goods, services and facilities supplied. Among other findings: • Most of the major funeral homes in Winnipeg have been bought up by international funeral chains, although customers would be hard pressed to know it. The names have remained the same, previous staff have been kept on and the names of the new owners seldom appear on public documents. A survey of 10 local funeral homes found the six most expensive were owned by chains. • The markups on coffins vary widely. For example, a coffin that cost the funeral homes just $538 sold at one home for $1,640, at another home for $2,135, and at a third home for $2,750. • Cremation is becoming the funeral of choice in Manitoba. But a simple, no-frills cremation costs as little as $690 and as much as $2,135. To be cremated at Green Acres, you have to buy a $405 container, while other homes use plywood boxes selling for about $150. • As with Any Large Purchase, Shop Around • Here are a few pointers to keep from paying top dollar when planning a funeral: • Shop around. At an average cost locally of about $5,000 – not including a plot and headstone – a funeral will be among the most expensive things you will ever buy. Funeral homes are not required by law to give prices over the phone – unlike the U.S. where federal law requires it – but a survey found that most local homes will do so. • Ask questions when you go to funeral homes for price quotations. • Embalming: During the Free Press survey, several funeral homes warned against not embalming, saying airborne pathogens from an unembalmed body pose a health risk — but health experts say there is no danger. • Be careful of purchasing pre-paid funeral plans. Many are not portable if you move away, and at least two studies have found that you’re typically better off putting money into a mutual fund or some other secure interest-generating account. The studies found that such funds generate more than enough interest to offset any increased funeral costs. Winnipeg’s 25 Funeral Homes Manitoba has about 86 funeral homes to handle the 10,000 deaths that will occur this year in the province. Brandon has three funeral homes, and each of these places has two: Ashern, Beausejour, Dauphin, Morris, Morden, Portage la Prairie, Roblin, Steinbach and Swan River. Winnipeg’s funeral homes can be divided into the following groups. 10 1. The Independents: 17 These funeral homes, listed alphabetically, are (to the best of my knowledge) individually owned and operated. Aboriginal Funeral Chapel Knysh Funeral Chapel/Prairieland Aboriginal Funeral Home Bardal Funeral Home and Crematorium Korban Funeral Chapel Neil Bardal Inc LeClaire Brothers Funeral Products & Services Barringer Funeral Services (new in 2005) Mosaic Funeral Services (new in 2007) Edward Coutu & Co Transcona Funeral Chapel Ltd. Cropo Funeral Chapel (new owners 2006) Voyage Funeral Home Friends Funeral Service (new in 2005) Whee1`ler Funeral Chapel (new in 2004) Kilcollins Cremation Service (new in 2007) Wojcik’s Funeral Chapel & Crematorium 2. Arbor Memorial Services Inc. (a company): four in one The company’s head office is in Toronto. It owns about 100 funeral homes, 40 cemeteries (three in Winnipeg) and 27 crematories across Canada. Prices are set centrally for its four Winnipeg funeral homes: Chapel Lawn, Desjardins, Glen Eden, Glen Lawn. 11 3. Dignity Memorial (a company): four in one This company was Alderwoods (2002 to 2006) and Loewen before that. In Canada, Dignity owns about 200 funeral homes, four cemeteries and 20 crematories. A price list for all of its Winnipeg funeral homes is available on request. In Winnipeg, the company owns three crematories, three cemeteries and these four funeral homes: Green Acres, Klassen, Thomson/Kerr (2 in 1), Thomson in the Park. Recent closures • In 2007, Birchwood Funeral Chapel closed its Winnipeg office. It continues in Steinbach (since 1997). • In 2005, Eternally Serene Casket Co. (casket discounters) opened & closed on Portage Ave. (St. James). • In 2005, Basic Cremation Service – “$649 complete”. It opened in 2004. Owned by Alderwoods. • In 2004, P. Coutu on Marion Street. • In 2004, Leatherdale Gardiner (on Portage Avenue in St. James). • In 2003, Kerr’s on Adelaide Street was torn down and its name added to “Thomson on Broadway”. 4. Cooperative: 1 • Birchwood Funeral Chapel: Steinbach Laws that Govern Funeral Directors and Homes Manitoba has about 225 licensed funeral directors and about 86 licensed funeral homes. Provincial government regulation: licences and complaints Manitoba’s laws relating to the funeral industry date from the 1960s. It’s time for new legislation! The Board of Administration The authority to license funeral directors and funeral homes is given to the “Board of Administration” established under The Embalmers and Funeral Directors Act (nine pages, 1987). The Board has seven members. One is a civil servant, and two are funeral directors. Each member is paid $109 plus expenses for each day spent “carrying out duties as a member”, as set under the Embalmers and Funeral Directors Board Allowances Regulation (one page, 1987). The Board is located at 254 Portage Ave, Winnipeg, R3C OB6; telephone 947-1098, fax 9450424. 12 Funeral Directors and Funeral Homes MUST be Licensed The Act sets out the requirements to become an embalmer and funeral director, and to practice as one. The Act gives the Board the power to make regulations about such matters as the content of training courses. It’s all in the Embalmers and Funeral Directors General Regulation (9 pages, 1987). The Act prohibits anyone from acting as a funeral director or embalmer, or operating a business as such, without a licence. The Board handles complaints by and about funeral directors, and has the power to cancel a licence. A Voluntary Association of Funeral Directors According to its website, the Manitoba Funeral Services Association is a non-profit organization that provides a service for funeral directors and funeral homes across Manitoba. It is “dedicated to the advancement of funeral service through support to the public, as well as our members [who are funeral directors].” Every province has such an association. It is a voluntary association, with no disciplinary powers. Some funeral directors and funeral homes do not see any benefit to membership, and are not members. Do It Yourself: A Funeral without A Funeral Director The law allows a body to be disposed of without the help of a licensed funeral director. This definition is from The Vital Statistics Act: “lay funeral director” means any person other than a [licensed] funeral director who takes charge of a dead body for the purpose of burial, cremation or other disposition. Some facts • • • • When a corpse is “free to go”, the law does not require that it be moved by ambulance or hearse. The law does not require a body to be buried in a casket. A sheet or shroud will do. A casket is not required for a burial in the three cemeteries operated by the City of Winnipeg. A casket can be made at home, or a simple one can be purchased from most funeral homes for from about $300 to $700. Some inspiration These books tell how some individuals took matters into their own hands and buried their own dead: • Doug Smith, Big Death (2007): pages 106-108. • Xavier Cronin, Grave Exodus: Tending To Our Dead in the 21st Century (1996): chapter 7. • Lisa Carlson, Caring for the Dead: Your Final Act of Love (1998), pages 17 to 40. It is advertised as “A complete guide for those making funeral arrangements with or without a funeral director.” • Ernest Morgan, Dealing Creatively with Death (14th edition, 2004), pages 62-63 and 95-96. 13 Procedure The Vital Statistics Act requires a doctor to complete Part 2 (“Medical Certificate of Death”) of a “Registration of Death” form within 48 hours of the death, and forward it to the Department of Vital Statistics. The body can be released to the “lay funeral director” after he or she completes Part 1 of the form, which is available from Vital Statistics (254 Portage Ave., 947-1098) or a funeral home. The V.S. office also provides a “burial certificate”, which is required before a cemetery can authorize a burial. In the case of cremation, an “authorization to cremate” is provided, and is required by the crematory. Body Removal (or “Transfer”) Services • Winnipeg First Call telephone 257-0877) is a family-owned business, established around 1970. It will move a body to a crematorium for $75 (8 a.m. to 5 p.m.) or $100 (5 p.m. to 8 a.m.). Outside the Perimeter Highway: $1.50 per km (a one-way charge). • Winnipeg Funeral Transfer Service (telephone 956-2882) is a family owned business established in 2002. It will remove and shroud a body from the place of death for a fee of $100 plus tax. Outside the Perimeter Highway, the fee is $100 plus $1.50 per km (one way) – plus tax. It has a holding facility in Winnipeg, where a body can be kept and refrigerated for a fee of $30 per night. It has cardboard containers at $75 for cremation, and airtight metal liners at $500 for transporting a body that is not embalmed within 72 hours. Part 4 The Three Ways to Dispose of Your Body These are the choices: donation, cremation, burial. Other choices, such as “plastination”, might be available in future. 1. Donation for Anatomical Studies or Transplant You can donate your entire body, or you can donate parts of it for transplant. Donating your entire body For information about donating your body for anatomical studies, call the Department of Human Anatomy in the Faculty of Medicine at the University of Manitoba for a copy of the booklet Service after Death: Information on Leaving One’s Body for Anatomical Studies. Telephone 789-3652. The University will not accept a body from which any organ or tissue is taken for transplant. It’s all or nothing at all. When a corpse is accepted, the University arranges and pays for an eventual cremation. A service is held each year at Brookside Cemetery to honour all those whose bodies have been donated. Of course, a memorial service for any of the deceased can be held in the usual way, at any time after his or her death. If you decide to donate your body, it might not be needed when the time comes. So you must have a back-up plan, which begins with choosing between cremation and earth burial. 14 Donating parts of your body For information on • organ donations, call Transplant Manitoba – Gift of Life Program at 787-1897. • tissue donations, call the Tissue Bank at 940-1750. • corneal donations, call the Lions’ Eye Bank at 788-8419. Even if you choose to donate, you must still choose between cremation and earth burial of the rest of your body. 2. Cremation Every corpse eventually turns to dust, either by cremation or by slow disintegration in a grave. As the Bible says (Genesis 3:19, God speaking to Adam), “You are dust, and to dust you shall return.” Cremation is used in most of the world, and approved by all the major religions. Incidentally: the Vatican approved cremation in 1963. Some rates of cremation • Italy, Ireland and Brazil: less than 4%. Japan: 99%. Britain: 1945: 10%; 2000: +70%. • U.S.: first cremation: 1876; 1939: 3%; 1970: 4%; 1998: 24%; 2005 (estimated): 40%. • Canada: 1970: 6%; 2004: 36%; 2010 (estimated): about 50%. Cremation is more common in B.C. (about 80%), among members of memorial societies (more than 90%), and among older people. • Manitoba: 1982: 15%; currently: about 50%. In Winnipeg: 50 to 60% – and increasing. Why do people choose cremation? These are some of the reasons mentioned in the many books referred to in this document: • cremation can be – and usually is - less expensive than earth burial. • -cremation is regarded as simpler, less emotional, and more convenient for planning funeral services. • separation of family members: this is reflected in the decreasing number of “family plots”. • aging: our population is aging and living longer; some people outlive most friends and family. • one way or the other, it’s “dust to dust”: cremation replicates the process that a buried body undergoes, but more quickly and without the image of slow decomposition (even with embalming). • environmental concerns: cemeteries can be sources of pollution, and can affect water tables. • land use: where land is scarce, the rate of cremation is higher. Japan’s rate is 99%. The cremation process From Darryl Roberts, Profits of Death: An Insider Exposes the Death Care Industries (1997): 15 “Cardboard or wood caskets and even canvas body bags are most commonly used. The doors to the retort [cremation chamber] are opened and the body [and container] slid inside. The retort is heated to about 1,500 degrees Fahrenheit. Most retorts are fueled by natural gas. Most of the human body is water, and the balance of bones is composed primarily of calcium phosphate. The application of the intense heat of the cremation evaporates the water. The flames then incinerate the muscles, flesh and organs. Most of the bone structure will crumble, but will not be reduced to ashes. “The process takes an average of one to two hours, depending on the temperature in the retort, and the size and condition of the body. “The smokestack is subject to environmental laws, and emits minimal amounts of residue. When the process is complete, the mostly grey ashes are removed, any bone fragments are pulverized, and all placed in a box or urn. The average person yields five to seven pounds of cremains.” Note: there is no health hazard in dealing with ashes. After 1,500 degrees, they are sterile. Participating in the process: tips from a Winnipeg funeral director Some crematories have facilities that allow a service to be held outside a window that gives a view of the cremation chamber in which the casket is placed. You might at least want someone to watch the process: criminal charges have been laid in other jurisdictions where the purchased casket was switched or the body not cremated. Some crematoriums charge extra to have witnesses, or limit the number of witnesses, or both. If you wish, you can turn the switch to start the process. You will not see the casket on fire unless you look into the peephole that is usually provided. Crematories in Winnipeg – and Manitoba The list of funeral homes under “Crematories” in the Yellow Pages suggests that there are about 20 crematories in Winnipeg. In fact, the Public Utilities Board has licensed (under The Cemeteries Act) eight crematories in or near Winnipeg, and another seven outside Winnipeg: Beausejour, Brandon, Carman, Dauphin, Selkirk, Swan River, Minnedosa. Every funeral home has access to one of the crematories and can provide “cremation services”. What is done with the ashes? Cremains are usually placed in an urn and buried in a cemetery or placed in a columbarium. But as time goes by, more alternatives – some of them rather bizarre – have developed: • scattering in a park, on a golf course or cottage property, or over a river or lake. • placing the ashes in a locket or picture frame containing a picture of the deceased. • firing the ashes into the air – or even into outer space. • using the carbon given off in the cremation to make a diamond. If ashes are buried, is an urn required by law? No. But some private cemeteries require that an urn be used and, of course, they sell urns. 16 Is it legal to scatter remains? Manitoba law does not prohibit the scattering of human ashes. The Litter Regulation under The Environment Act of the province and the Anti-Litter By-law of the City of Winnipeg prohibit the distribution of “ashes”, but the definition of “ashes” in both laws does not include human ashes. Prohibitions under federal law: the definition of “waste” in the Canada Water Act and of “deleterious substance” in the Fisheries Act is so broad that it must include cremains – and therefore scattering is prohibited in waters under federal jurisdiction. Of course, scattering ashes on any property should be done only with the permission of the owner of the property – whether it is private property or public property. 3. Earth Burial: Three Choices Caskets For most of the 20th century, the first question a funeral director would ask a customer was, “What kind of casket do you want?” - because almost every funeral involved a casket. Funeral homes built their profits into the price of the caskets, and still do to some extent. But the increased rate of cremation is changing that. One of the biggest factors in the cost of a funeral is a casket, ranging in prices up to about $20,000. Darryl Roberts, Profits of Death: An Insider Exposes the Death Care Industries (1997): “Caskets are big business, and provide the highest profit margin of all the goods and services a funeral director provides…. There is no casket or vault that will keep out the elements for all time. There is nothing that can prevent the disintegration of the casket, nor stem the flow of water into a vault…. Most methods for selling caskets are based on the premise that the average consumer is likely to purchase in the middle of the price range. Embalming is chosen by some people for religious or cultural reasons, or because they think there is no alternative. And some people – including many funeral directors – believe that mourners overcome their grief more easily when they can see with their own eyes that the deceased is indeed dead. It is sometimes said that the customs in most areas of the world are to assist a deceased body to decay. North American practice seems to be to do everything possible to deny the inevitability of decay. Darryl Roberts, ,Profits of Death: An Insider Exposes the Death Care Industries (1997): “The truth is that injecting the body with a formaldehyde solution retards the natural decomposition by only a few days…. A corpse represents practically no infectious risk. A body that is dead of a non-communicable disease presents virtually no threat at all…. We’ve seen embalming become an American institution, while the rest of the world regards it as an anomaly.” Jan Wong in “Dying for a Discount” in The Globe and Mail (November 30, 2002): 17 “Decomposition can start overnight…. The owner of a crematory says, half-jokingly, embalming is so invasive that everyone should be made to watch a five minute video before signing [to authorize it].” Coriolis (an anonymous Toronto funeral director), Death Here Is Thy Sting (1967): “It is strange that people would entrust the remains of their loved ones to the care of a total stranger with only the vaguest idea of what he is about to do.” 0Jessica Mitford shocked America with her description of the embalming process in The American Way of Death (1963). This is how she introduced the description in her 1998 update: “No law requires embalming, no religious doctrine commends it, nor is it dictated by considerations of health, sanitation, or personal daintiness…. If the funeral men are loath to discuss the subject, the reader may be equally loath to go on reading at this point. For those who have the stomach for it, let us part the curtain. Others should skip [from page 45] to the bottom of page 49.” Is embalming required by law? The only Manitoba law relating to embalming is in the Diseases and Dead Bodies Regulation under The Public Health Act. Section 58 of the Regulation requires that a body be embalmed if it is to be transported within the province and will not reach its destination within 72 hours. But even then, the body does not have to be embalmed if it is shipped in a coffin constructed of (or lined with) metal or some other impervious material and is airtight – or if the coffin is placed in “a tightly constructed outer container constructed of (or lined with) metal or other impervious material and [airtight]. If a body is shipped to a destination outside the province, the laws of the destination apply. Outer Containers: Liners and Vaults An outer burial container can be placed in a grave to receive a casket or urn. The container is intended to protect the contents of the casket or urn, and to keep the ground from settling. A grave liner is an un-sealed concrete box covering the top and sides of a casket or urn. A burial vault is a sealed, one piece box made of concrete or metal, surrounding a casket or urn. Is a liner or vault required by law? No, but some privately owned cemeteries require them for caskets or urns – or both - at a cost of anywhere from about $300 to +$20,000. Cemeteries There are more than 50 cemeteries in Winnipeg. Many of them are privately owned. The owners of those cemeteries are free to set their own rules, including a requirement that a casket or an urn be set in a liner or vault. 18 Mausoleums: a 4th way to dispose of your body! A mausoleum is a building used for storing (or “immuring” or “interring”) caskets. It is sometimes referred to as “above-ground burial”. It is three to 10 times more costly than earth burial. We are told that a crypt in a private cemetery sells from about $10,000 to $15,000. Part 5 Funeral Services and Memorial Services In everyday language, “funeral” includes everything involved in disposing of a corpse. More technically, a funeral service is a service with the body present, and a memorial service is a service without the body present, usually because it has been cremated or buried. Should You Have a Service? Many people say that they don’t want a service to be held after their death, perhaps forgetting that a service is for the benefit of those who live on. Your friends and relatives might feel a need to pay their respects, pay tribute, and share their thoughts and feelings about you. This is an important subject to discuss with the people who are most likely to arrange your funeral, because even if you don’t want a service, they could have one anyway. You won’t be heard to object! Robert Fulghum, From Beginning to End: The Rituals of Our Lives (1995): “Martha [planning her own funeral] would have settled for the least expense and trouble: immediate cremation, ashes scattered, and no funeral. Her children agreed about cremation, but for reasons they found hard to express, they wanted her ashes placed in a nearby cemetery, and they wanted a memorial service of some kind…. With her children, she purchased a plot in the cemetery. She gave them suggestions about the service….” Location: Where Are Services Held? A funeral service (a service with the body present) is usually held in a place of worship or funeral home, partly because those buildings are equipped for moving a casket in and out of their premises – and they usually have lots of parking. Since a memorial service does not involve a casket, the service can be held in a home, hotel, restaurant, art gallery, pub, park, garden, boat, cemetery, place of worship, funeral home – or even a golf course. Some golf courses have so many services or scattering of ashes that players complain about the disruption to their games. Memorial service – also known as a ”Celebration of Life” A memorial service can be religious or secular (non-religious). Secular services are becoming more popular, sometimes led by a person known as a “celebrant” (or “secular officiant” or “nondenominational funeral officiant”) who can prepare the service and deliver the eulogy. There are at least two such people in Winnipeg. They can be contacted through a funeral home. The public library has books on how to conduct a service. For example: Amanda Bennett and Terence Foley, In Memoriam: A Practical Guide to Planning a Memorial Service (1997). 19 Part 6: The Costs According to the Globe and Mail (2005), Canadians spend an average of $7,000 to $10,000 for a funeral, including a cemetery plot. The cost of a funeral is not tax-deductible. The Four Types of Costs A simple fact: the more elaborate the funeral, the more it is likely to cost. The possible costs of a funeral can be divided into these four parts: The services of a funeral home – for one of the SIX types of funerals. 1. miscellaneous items (flowers, cars, etc.) – depending on the type of funeral. 2. a grave for the body or ashes. 3. memorial (a flat marker or an upright tombstone) for the grave. We will now consider each of those types of costs. Cost #1: the services of a funeral home Obtaining an itemized price quotation Funeral homes will usually provide a definite price for the simplest service they provide: immediate cremation, with no service at the funeral home. But they are reluctant to quote a price for the other five types of funerals, because the cost depends on what you buy from the many products and services that funeral homes sell. If you present a funeral plan to a funeral director, he or she can more easily give you a price for each item you wish to buy – rather than just one price for the whole thing. Comparing apples with apples, packages with packages Funeral directors like to say that people comparing funeral homes should “compare apples with apples”. But comparing prices isn’t easy, because the price lists are so different. For example: funeral homes often sell “packages”, with a set price for each package – but the packages vary from home to home. The law should require (as in the U.S.) prices to be listed for each item, and the list posted. Prices for “packages” sometimes include a “non-declinable” fee for certain items. For instance, you might be asked to pay up to $200 for stationery (including a book for people to sign at the funeral, and thank you notes) – even though you don’t want it or use it, and even though you might be able to pay much less elsewhere. Starting prices for the services of a funeral home There are at least SIX basic types of funerals. Generally speaking, the first one in the following list is the least expensive, and the last one is the most expensive. But it depends on what you buy! Reminder: the average cost of a funeral in Winnipeg is estimated to be from $5,000 to $10,000. 20 Cremation: three choices 1. Immediate cremation (or “direct cremation” or “direct disposal”), with no service at the funeral home. This is usually the simplest and least expensive choice — if one buys only the basics covered by the fee. Advertised prices range from $650 to about $2,400. 2. Immediate cremation, followed by a memorial service at the funeral home: starting prices range from about $1,500 to $3,000. 3. A funeral service (with the body present in a casket) followed by cremation: starting prices range from about $3,000 to $4,500. This can be the most expensive choice, partly because it includes the cost of both a casket and cremation. A casket can be purchased (and cremated with the body) or rented. The rental charge can be as much as $1,000 — more than the purchase price of some caskets. 21 Earth Burial: three choices Starting prices for all of the following range from about $2,000 to $5,000. 4. Immediate earth burial (or “direct burial” or “direct disposal”), with a graveside service. We are told that this kind of funeral is quite rare, except in movies. 5. Immediate earth burial, followed by a memorial service at the funeral home. 6. #6: A “traditional” funeral service at a funeral home, with the embalmed body present in a casket, followed by earth burial. Itemized price lists As to price lists, about the best that any funeral home in Winnipeg does is provide a pamphlet that outlines their packages of services, and the price for each package. In the U.S. a federal law requires funeral homes to post and provide an itemized price list of services and merchandise before a potential customer buys anything. There is no such law in Canada – but since it’s only a matter of time until such laws are passed, why don’t the funeral homes don’t do it now? Funeral Homes: prices for the simplest service they provide “Immediate Cremation, No Service (at the funeral home)” This page is about a cremation arranged by a funeral home – but without a service at the funeral home. We are told that the total time required for a funeral home to provide this service is about three hours, and consists mostly of the home filling in standard forms – and waiting for a doctor to sign the Death Certificate and for someone to sign an “Authorization to Cremate”. Less than $1,200 Most of the “independent” funeral homes listed charge less than $1,200. The advertised price by a few of them is less than $700. From $1,200 to $2,400 – or even more. The prices of other funeral homes range from about $1,200 to $2,400. If a fancier casket than the usual simple container is used in the cremation, the cost can increase by thousands of dollars. What does the price cover? • The fee for the actual cremation. • A cardboard container, which is cremated with the body. • Transportation (also called “transfer”) of the body from the place of death to the crematory. • A cardboard or plastic container in which the cremated remains are returned. • Three or four “Statements of Death”, which are accepted as proof of death for most purposes. 22 The above prices do NOT include GST, help in writing an obituary, an urn, or disposal of the ashes. Buyer beware – of “Upselling” Some funeral directors caution us that a low price might be used only to attract business, and with the expectation that a customer is likely to buy more than what the low price covers. Prices can change at any time – and are usually negotiable You will find addresses, telephone numbers and advertisements in the Yellow Pages under “Funeral Directors”. Cost #2: various items – depending on the type of funeral Publishing a death notice/obituary The cost depends on how long it is, whether it includes a picture, and the day of publication: • Winnipeg Free Press: about $6 per line, $6.50 on Saturday; picture: $90, $95 on Saturday + tax. • Winnipeg Sun: prices for every day are about $2.00 per line, and $25 for each picture + tax. Costs relating to a service • Flowers • Fees of clergy ($100 to $150) and musicians ($75 to $100 each). • Catering: anywhere from $1 to $10 per person. • Use of premises: there is usually a fee for the use of premises for a service or reception. • Stationery: a register for attendees to sign, “order of service” cards, thank you cards, and so on. Death certificates (proof of death) There are two types of certificates: • Funeral Director’s Death Certificate: this can be used as a proof of death for most purposes except the Land Titles Office and large insurance claims. Funeral directors usually provide three or four of these certificates as part of their service fee. • Department of Vital Statistics (Province of Manitoba): $25 each. Urns: from wicker baskets to stuffed animals An urn is not required by law. Cremains can be simply poured into the ground or buried in a $5 wicker basket or a cookie jar – unless the rules of the cemetery don’t allow it. Urns sold by funeral homes range from about $200 to +$3,000. Bill Belcher (retired) makes wooden containers that can be used as urns for under $50 (call 256-0045). A recent (and odd) innovation: Huggable Urns (U.S.) sells pillows and stuffed animals, each with a pouch for cremains: about $100. 23 Earth burial: miscellaneious costs • A casket is often the largest expense. Prices range from about $1,000 to +$15,000. The top price at discounters LeClaire Brothers (603 Erin Street, just off Portage Avenue) is under $4,000. • Clothing for the deceased can be bought, but there is probably something in the closet that will do. • A limousine or hearse (or both): the cost might be included in a funeral home’s “package” fee. Cost #3: a grave for the body or ashes A good place to obtain prices for a grave — if only to compare with other cemeteries — is the Cemeteries Branch of the City of Winnipeg, which operates three cemeteries: Brookside Cemetery (since 1878), Transcona Cemetery (since 1914), and St. Vital Cemetery (since 1937). Those cemeteries average about 1,000 burials every year — 80% of them at Brookside. The office is located at Brookside Cemetery, 3001 Notre Dame Ave. Telephone 986-4348 for a price list – and a map of the grounds. Several sites have plaques about some famous residents. Prices in the three cemeteries operated by the City About 75% of the City’s graves are purchased “at need”, and 25% “pre-need”. Prices are set by city council in a by-law. You can obtain a price list by calling 986-4348 or by going to the office at Brookside Cemetery, or by searching the website of the City of Winnipeg. Here are sample prices (tax NOT included): • To deposit ashes with those of others in the only sub-surface ash crypt in Winnipeg: $220. • Grave of 4’ x 10’ for 1 casket and 3 cremains, or no casket and 4 cremains: about $1,200. • A “single marker cremains lot” (2’ by 2’) allowing for 2 cremains and 1 marker: about $600. • A “family cremains plot” allows for 4 cremains: about $1,000. • A niche in a columbarium: about $2,100 plus interment fee of about $225 = about $2,300. Interment fees are about $225 for niches, and from about $300 to $700 for caskets. Perpetual care: the City’s prices include a 25% addition for future maintenance of the cemetery – a charge that some cemeteries don’t mention in their quoted prices, but that must (by law) be charged. Refunds: if a grave is purchased but not used, the purchase price (less 10%) is refundable — or the plot can be sold privately. You will see the occasional offer to sell in the classified ads. We are told that it is so difficult to sell a plot privately that some people give them away. Grave Liners and Burial Vaults At the City of Winnipeg’s cemeteries, a concrete liner is about $900. A fiberflass vault is about $1500. There is also an installation fee of $200. Elsewhere, prices for a vault for an urn range from $150 to +$1,500. For a casket, the range is about $700 to +$20,000. 24 Cost #4: a memorial for the grave Starting price for flat grave markers (in brass or marble) is about $400, and for upright tombstones about $700. As with caskets, the sky’s the limit. See about 20 Winnipeg companies under “Memorials” in the Yellow Pages. There will also be an installation charge at the cemetery. How Are Funerals Paid For? Answer: usually from the estate of the deceased. If the estate does not have enough assets to cover the costs of the funeral, any person who signs a contract with a funeral home – or with anyone providing a service relating to the funeral – will likely have to pay some or all of the cost out of his or her own pocket. Benefit programs Benefits under the following programs are not automatic. Someone (usually the person named as executor in the deceased’s will) must apply for them. 1. Canada Pension Plan: it pays a maximum of about $2500 as a death benefit – if the deceased ever contributed to the Plan. About 20% of eligible people do not apply for this benefit. There is no deadline for application. Call 1-800-277-9914 or search the CPP on the internet. This payment, like every other payment under the CPP, is taxable income. 2. Employment and Income Assistance Program (government of Manitoba): If a person dies while receiving income assistance (sometimes called “welfare”), an amount might be payable. An agreement with the Manitoba Funeral Services Association sets out the products and amounts payable. Call 945-4337. 3. The Department of Indian and Northern Affairs (government of Canada) — referred to as INAC or DIAN: assistance might be payable if the deceased has status under the Indian Affairs Act and is receiving income assistance at the time of death. INAC describes it as a program of “last resort”, which means that payment will be made only if no other funds are available. An agreement with the Manitoba Funeral Services Association sets out the products and amounts payable. Call 983-2842. 4. The Last Post Fund pays the funeral costs for a veteran – if the assets of the veteran’s estate, less the funeral costs and other debts, amount to less than $12,000. For information, call 2333073. 5. Manitoba Public Insurance Corporation (Autopac): the maximum amount payable for funeral costs when death results from a traffic accident is about $6,500. Call 985-7200. 6. The Victims’ Bill of Rights Act (Manitoba): when a person dies as a result of a criminal act, about $4,000 might be payable. Call 945-0899 or 1-800-262-9344. 7. Workers Compensation: when death occurs on the job, there is an immediate cash payment of about $6,000 and a later lump sum of at least $33,600. Call 945-4321 or 1-800-362-3340. Should You Pre-pay? Everyone agrees that pre-planning is a good idea. There is less agreement about pre-paying. The opposing opinions are illustrated by these headlines: 25 Winnipeg Sun (February 18, 1996): “Pre-paid funerals called rip-off”. Winnipeg Free Press (July 22, 2002): “Pre-pay funeral, rest in peace”. Two ways to pre-pay After you plan your funeral with a funeral home, and the home tells you what the funeral will cost, you can pre-pay the cost in one of two ways: • Buy a pre-arranged funeral plan with one payment, or many payments over time. At least 88% of payments are required under The Prearranged Funeral Services Act to be placed in trust until the contract is cancelled or the person dies. The other 12% may be retained by the company – but some companies place 100% in trust. As of 2003, about $40 million are in trust under about 15,000 contracts in Manitoba. The Public Utilities Board (government of Manitoba) licenses companies to sell these plans, audits the trust accounts, and handles any complaints. The Board does NOT set, regulate or approve the prices • Buy an insurance policy for an amount that will cover the quoted cost of the funeral, and name the funeral home as beneficiary. The policy cannot be sold to you by a funeral director unless he or she is licensed as an insurance agent by the Insurance Council (988-6800). For information on this type of policy, call the Canadian Life and Health Association: 1-800-268-8099. This approach is now more popular than the one mentioned above. The Pre-arranged Funeral Act does not apply. Some questions to ask about a pre-paid funeral plan • Ask to see the seller’s licence. Make a note of the name and date on the licence. • Coverage: how many of the four types of costs are covered? Is it just the funeral service? Or just cemetery costs (a grave, and a flat marker or upright tombstone)? Or is it everything? • Purchase money: in the case of a pre-paid plan, how much of the purchase money will be placed in trust (the required 88% — or more)? Where will the money be placed (name of bank or trust company)? Will you receive reports? If so, how often — and what will be in them? • Cancellation: can the plan be cancelled at any time? How? Will there be a refund? If so, how much? • Transfer: if you move, can the plan be transferred to another province or country? • The named funeral home: are your survivors required to use the funeral home named in the prepayment documents? What happens if the funeral home goes out of business? • Can you change the plan? If so, how? Do you have to cancel the contract and start over? Pre-paying for a grave — and selling an unused grave You can buy a plot in a municipal cemetery or private cemetery at any time, but the sale is final and there is likely no cancellation provision or refund. If you buy and later decide to sell, you can advertise, but plots are difficult to sell. The number of sold and unused plots is a problem in some cemeteries. Why are plots not used? People move, or forget about the purchase, or leave no record of it. 26 Under The Cemeteries Act, the Public Utilities Board approves the prices of cemetery plots in cemeteries that are operated by businesses for profit. But the PUB does not set or regulate the prices for cemetery plots, goods and services. A Regulation under the Act requires that at least 35% of the purchase price of a plot be placed in trust for “perpetual care” of the plot. Pre-paying for a marker or tombstone You can buy a flat marker or upright tombstone any time. Of course, the sale (inscription and all) is final. Arguments for and against Pre-paying FOR: If you buy now, before prices rise, you will freeze today’s prices. AGAINST: If the funeral you want is moderately priced (under about $5,000) any price increase could be small, given the competitive environment in Winnipeg. Prices might even go down with changes in the funeral industry – such as through internet shopping and competition from more crematories FOR: If you make the decisions now, you and your family will have peace of mind. AGAINST: That is a good reason to pre-plan, but not necessarily to pre-pay. If you pre-pay, you might be less inclined to change your pre-paid plan later, because changing a funeral plan is easy, while changing a pre-paid contract is more complicated. Rather than pre-paying, it can be just as convenient to save the cost of your funeral in a bank account, bond or whatever. FOR: If you buy now, you can choose the funeral home you want. AGAINST: When your time comes, that funeral home might not be around. It could be out of business, or purchased by a corporation – and even corporations go out of business. The people who arrange your funeral might feel obligated to use any home you choose, even if there are good reasons to go elsewhere. FOR: If you pre-pay, you control the amount that will be spent on your funeral. AGAINST: If the people who arrange your funeral decide to do something different than what you have planned - such as if they decide (perhaps with encouragement from the funeral home) to buy a more expensive funeral – that is the funeral you will have, and any additional costs that are “reasonable” can be charged to your estate. It’s sometimes called “pay now – pay later” – and adding insult to injury. The best way to control the cost of your funeral is to make a funeral plan, set a price limit, and make sure that your next of kin (and any other people who are likely to be involved in carrying out your plan) agree to follow your plan. FOR: When you buy a pre-paid plan, the money goes into trust; you do not receive the interest, so you don’t have to pay taxes on the interest. If you put that money into a bond or GIC, the interest is paid to you — and you must pay tax on it. AGAINST: When interest is paid to you, it is indeed taxed — but the rest of the money is yours. The interest on the money in a pre-paid plan goes to the funeral director! More Information on Funeral Planning The Public Library has many good books on this subject, here listed from newest to oldest: • Doug Smith, Big Death: Funeral Planning in the Age of Corporate Deathcare (2007): a description of the current funeral industry – and advice on planning - by a Winnipeg writer. 27 • Katherine Ashenburg, The Mourner’s Dance: What We Do When People Die (2002). The author considers how people have dealt with death, historically and currently. • Ernest Morgan, Dealing Creatively with Death: A Manual of Death Education and Simple Burial (14th edition, revised and updated, 2001, 160 pages): with 14 editions since 1962, Morgan must be doing something right. • Abdullah Fatteh, At Journey’s End: The Complete Guide to Funerals and Funeral Planning (1999, 338 pages). The author lives in Florida. He is a lawyer, doctor, teacher, coroner and author. His book is both an overview of the subject, and a practical guide to arranging a funeral. • Lisa Carlson, Caring for the Dead: Your Final Act of Love – (1998, 640 pages). It’s described as “A complete guide for those making funeral arrangements with or without a funeral director.” It’s big, but most Canadian readers will be interested in just the first 175 pages. The rest is a state-by-state review. • Jessica Mitford (1917-1996), The American Way of Death, Revisited (1998, 274 pages). This is a revised edition of her exposé of the funeral industry in The American Way of Death (1963), which inspired many changes in the industry and U.S. law. The 1998 edition reviews all that. Her philosophy: “You might not be able to change the world, but you can embarrass the guilty.” • Darryl Roberts, Profits of Death: An Insider Exposes the Death Care Industries (1997, 229 pages). The author was president of a “funeral corporation” for 20 years. This is an easy and interesting read. • Xavier Cronin, Grave Exodus: Tending To Our Dead in the 21st Century (1996, 254 pages). This is an insider’s interesting overview of the funeral industry’s past, present and future. • Robert Fulghum, From Beginning to End: The Rituals of Our Lives (1995, 273 pages). This enjoyable book is an easy read, filled with practical advice and interesting anecdotes. • Gregory Young, The High Cost of Dying: A Guide to Funeral Planning (1994, 110 pages). It’s a thin book, but packed with lots of useful information. He once owned a chain of funeral homes. • Kenneth Iverson, Death to Dust: What Happens to Dead Bodies (1994, 650 pages!). The Texas doctor covers every imaginable topic relating to death, in an amusing and instructive way. The web has lots of information. For example: “Funeral Consumers Alliance” (formerly named Funeral and Memorial Societies of America) has lots of information, and links to other websites, and “Funerals and ripoffs”, despite its frantic style. Consumer Tips from Books and Articles 1. First and most importantly, prepare a funeral plan! 2. Your memorial: consider how you want to be remembered. By having a big funeral and tombstone? By giving to family and friends? By donating to charitable organizations? Or? 3. Discuss your funeral plan with the people who are most likely to arrange your funeral. Even if you pay for your funeral now, the people who arrange it can change it when the time 28 comes, and any additional fees that are “reasonable” can be charged to your estate. It is therefore a good idea to try to obtain their agreement to follow your plan. 4. Go shopping! A wise consumer obtains at least three quotations before buying an expensive item. Funeral homes sell products that can be very expensive. Take your funeral plan - and a friend or two! 5. Remember: a funeral home is a business, and funeral directors sell goods and services. 6. Don’t be shy about calling a funeral home for an appointment. Funeral directors are used to meeting people to discuss their funeral plans, and providing price quotations. Ask for a tour! 7. Be ready to ask questions! It’s the consumer’s best protection. 8. Prices are almost always negotiable. In some ways, it’s like shopping for a car. 9. A low price can become expensive! Some funeral homes quote low prices only to attract customers, and then pressure the customers to buy more than what the low price covers (called “upselling”). 10. Buying items (including caskets) separately is usually less expensive than buying everything at one funeral home. But it usually takes more time, unless there are people to share the work. 11. Caskets and vaults: buying either or both of them is not like buying a car or television: when the casket and vault are buried, they are gone forever. If you buy a casket, consider buying from a “casket discounter”. Winnipeg has one: LeClaire Brothers at 603 Erin St. at Portage Ave. 12. Cemeteries: if your funeral plan includes burial of your body or ashes in a cemetery, go to two or three cemeteries (and at least one owned by a municipal government) for price quotations and a list of their requirements on such things as liners, vaults, markers and tombstones. 13. Start your “obit”, if only to make it easier for someone to finish it when it’s needed. If you want a picture to go with your published obituary, pick one (some obits have two). If someone dies unexpectedly and there is no funeral plan, one approach to planning is for the family to sit down and put together a funeral plan – perhaps using the document “My Funeral Plan”. One or two people who are not part of the immediate family (such as a daughter-in-law or a friend of the family) can then take the plan to two or three funeral homes to obtain information and price quotations. 29 Index Aboriginal Funeral Chapel, 11 Administration, Board of, 12 alternate container, 7 anatomical studies, 14 Anti-Litter By-law, 17 Arbor Memorial Service, 11 articles, 29 Ashenburg, Katherine, 28 ashes, 6, 7, 17 association, 13 at need, 7 Bardal Funeral Home, 11 Bardal, Neil Inc., 11 Barringer Funeral Services, 11 Basic Cremation Service, 12 benefit programs, 25 Bennett, Amanda, 20 Birchwood Funeral Chapel, 12 Board of Administration, 12 body, 6 body bag, 16 body removal, 14 body snatching, 7 body transfer, 14 books, 13, 28, 29 Brookside Cemetery, 15, 24 budget, 6 burial, 6 Canada Pension Plan. See Canada Water Act, 17 Carlson, Lisa, 9, 14, 28 casket, 7, 13, 16, Cemeteries Act, 27 cemteries, 19 certificate, 23 City of Winnipeg, 24 closed casket, 8 closures, 12 coffin, 7 columbarium, 7, 17 complaints, 12 consumers, 9 container, 7 container, 7 containers, 19 corneal donations, 15 corpse, 13 cost, 21, 22 costs, 20, 23, 24, 25 Coutu, Edward & Co, 11 cremains, 7, 17 cremation, 6, 7, 21, 22, , , crematories, 16 crematorium, 7 crematory, 7 Cronin, Xavier, 13, See death certificate, 23 death notice, 23 decomposition, 7 dig up, 7 Dignity Memorial, 11 Diseases and Dead Bodies Regulation, 18 dispose of body, 14 do it yourself, 13 documents, 5 donate body, 14 donation, 15 earth burial, 6, 8, 17, 22, 24 Embalmers and Funeral Directors Act, 12, 13 Embalmers and Funeral Directors General Regulation, 13 embalming, 8, 17 Employment and Income Assistance Program, 25 Environment Act, 17 environmental laws, 16 Eternally Serene Casket, 12 Fatteh, Abdullah, 28 fill in, 7 Fisheries Act, 17 Foley, Terrence, 20 Fulghum, Robert, 28 funeral, 6 pre-paid, 11 funeral director, 9 30 funeral directors, 9 funeral home, 8 funeral parlour, 7 funeral service, 19, 20 grave, 7, 20, 24, 25 grave liners, 24 home funeral, 8 independents, 11 Indian and Northern Affairs, 25 inurn, 7 Iverson, Kenneth, 29 Kerr, 12 Korban Funeral Chapel, 11 Last Post Fund, 25 law, 13, 18 laws, 12 lawyer, 5 lay funeral director, 13 Leatherdale Gardiner, 12 LeClaire Brothers, 11 licences, 12 license, 12 liners, 19, 24 Litter Regulation, 17 lot, 7 Manitoba Funeral Services Association, 13 Manitoba Public Insurance, 25 marker, 27 mausoleums, 19 Medical Certificate of Death, 14 memorial, 20, 25 memorial service, 6, 19, 20 minimum container, 7 minium container, 7 miscellaneous items, 20 Mitford, Jessica, 9, 18, 28 Morgan, Ernest, 14, 28 Mosaic Funeral Services, 11 niche, 7 obituary, 23 organ donations, 15 P. Coutu, 12 pay, 26 paying for funeral, 25 plot, 7 prayers, 8 Prearranged Funeral Services Act, 26 pre-need, 7 pre-paid funeral, 11 pre-payment, 26, 27 pre-planning, 26 price, 21, 22, 23, 24, 25 prices quotation, 21 proof of death, 23 Public Health Act, 18 quotation, 21 Registration of Death, 14 Regulation, 13 remove body, 7 Roberts, 16 Roberts, Darryl, 9, 16, 17, 18, 28 Robertson, Heather, 9 scatter, 17 service, 6, 19 shipping, 18 Smith, Doug, 13, 28 the D, 16 tissue donations, 15 tombstone, 27 traditional funeral, 8 Transcona Funeral Chapel, 11 transfer, 7 transplant, 15 upselling, 23 urn, 7, 17, 23 vault, 24 vaults, 19 Victim's Bill of Rights. See viewing, 8 visitation, 8 Vital Statistics, 14 Vital Statistics Act, 13, 14 vocabulary, 7 Voyage Funeral Home, 11 web, 29 Wheeler Funeral Chapel, 11 Winnipeg cost of dying, 10 funeral homes, 10 independent, 11 recent closures, 11 Winnipeg First Call, 14 31 Winnipeg Funeral Transfer Service, 14 Wojcik’s Funeral Chapel, 11 Wong, Jan, 18 Workers Compensation, 25 Young, Gregory, 28 32