life working in a funeral home
I am so frustraed that i still cannot use my home comp & still using my phone to blog! I did download the app for wordpress but in my opinion…it blows…sorry wordpress people.
So anyway…as usual please excuse any spelling errors.
Things have been steady. I wanted to blog some about insurance assignments. If you have a life ins policy or your loved one had one & you would like to use it to pay for the funeral expenses you may do so…..ONLY after we verify that the policy is good & the ins co will take an assignment from the f.h. If the policy is not enough to cover the full amount than…YES…you are expected to pay that out of pocket & pay it now…not after we receive pymt from ins. It will also take between 2 weeks to sometimes a couple months for us to receive pymt! If the policy was more than the amount of the bill than whatever amount above & beyond that amount will be sent directly to the beneficiary. If there is more than one beneficiaru then it will be dividef & sent to those beneficiaries….and NO there is NO WAY for us to have the ins co ONLY send one person the whole amt!! I could give two shits if you took care of Gram Gram & so & so did nothing…& neither does the ins co! If thats who is listed as beneficiary than thats that! Also…we dont just call ins co & say here is the amt of bill & we want to do an assignment. We call & report that death has occured & that the fam would lime to assign the policy to us. They will tell us if they will take one. More than not the ins co will NOT give us the amt of policy! Only to the beneficiary” also they usually will not even tell us who the beneficiary is! So sometimes its a guessing game. The original policy is best to have so you & the f.h. can look over & see who that person/s may be. Most ins co’s actually require the original policy be sent to them when we send in the assignment. Also most ins co’s require the beneficiaru/ies fill out & sign a claim form. Also they require a cert death cert & the assignment form signed by beneficiary. Sometimes they will fax us the claim. Sometimes email or we can print one from their website. Other times they will only mail it & sometimes they will only mail it to the beneficiary! Once we or bene has it we must mail it in!! If the fam gets it & doesnt sign it & bring to us then its not going to pay rhe bill & guess who is responsible…YOU ARE! So theres that. But for some strange reason reason i get families that think just because the policy will not pay the entire bill means that we have to only accept what they pay…what!?! Come on!! And felaying to sign anything isnt going to work either! Some ins co’s just dont take assignments…Veterans life ins policies do not accept assignments. It is NOT the f.h. it is the ins co! We will help you with the pro ess but if the ins co says no then we cannot!!!
When you come for arrangements there is no reason for it to take over an hour! An hour & a half is even pushing it. The more people you bring with you the more confusing it will be! You get confused…i get confused! Also NEVER let anyone talk you into something you dont want or you know the deceased wouldnt want! I know funeral directors get a bad wrap for supposedly pushing items that are too expensive….well we DON’T…i/we let the family pick never ever pusing for something high in cost. Lets face facts…of course we want to make money. The more you spend the more we make…BUT we are still not goung to push you into anything! I/we get a feel of what the fam is looking for & we will show them but always leaving othet options open. When our families enter our display room we let them be…alone! We dont stand ober them. We tell them that the cost is listed in the casket & if theu have any questions that wr will be bavk in a few minutes or we will ne in the next room. Same goes for visitation…believe it or not we prefer (at least we do) when a fam only has 1 day vis & next day funeral. Having 2 days is alot. Alot of the older generation will disagree because that is how they are. But again….it costs more. It will also be different price on where you have the funeral service. At church? At funeral home? Or…some decide just to meet at cemetery following day. Its all up to you! And PLEASE I cannot say this enougj….the luncheon is NOT THE MOST IMPORTANT THING !!!!! If you do not want a luncheon then DON’T! but please dont think you can then bring in a shit load of food into the fineral home! It saddens me when I see families pay all this moneu for this funeral & they are all stuffed into the lounge! When it comes to sending Thank You cards you DO NOT need to send them to every person who signs the sign in book! Yes you read that right….etiqutte is to only send to those who sent you something (flowers, card, food, etc) or to someone who did something for you.