• What purpose does a funeral serve?

It is the customary way to recognize death and its finality. Funerals are recognized rituals for the living to show respect for the dead and to help survivors begin the grief process.

• What do funeral directors do?

Funeral directors are caregivers and administrators. They make the arrangements for transportation of the body, complete all necessary paperwork, and implement the choices made by the family regarding the funeral and final disposition of the body.

Funeral directors are listeners, advisors and supporters. They have experience assisting the bereaved in coping with death. Funeral directors are trained to answer questions about grief, recognize when a person is having difficulty coping, and recommend sources of professional help. Funeral directors also link survivors with support groups at the funeral home or in the community.

• Why have a public viewing?

Viewing is part of many cultural and ethnic traditions. Many grief specialists believe that viewing aids the grief process by helping the bereaved recognize the reality of death. Viewing is encouraged for children, as long as the process is explained and the activity voluntary.

• What is the purpose of embalming?

Embalming sanitizes and preserves the body, retards the decomposition process, and enhances the appearance of a body disfigured by traumatic death or illness. Embalming makes it possible to lengthen the time between death and the final disposition, thus allowing family members time to arrange and participate in the type of service most comforting to them.

• Does a dead body have to be embalmed, according to law?

No. Most states, however, require embalming when death was caused by a reportable contagious disease or when remains are to be transported from one state to another by common carrier or if final disposition is not to be made within a prescribed number of hours.

• Is cremation a substitute for a funeral?

No. Cremation is an alternative to earth burial or entombment for the body's final disposition and often follows a traditional funeral service. In fact, according to FTC figures for 1987, direct cremation occurred in only 3% of deaths.

• What should I do if the death occurs in the middle of the night or on the weekend?

Most Funeral Directors are available 24 hours a day, seven days a week.

• Will someone come right away?

If you request immediate assistance, yes. If the family wishes to spend a short time with the deceased to say good bye, it's acceptable. They will come when your time is right.

• If a loved one dies out of state , can the local Funeral Home still help?

Yes, they can assist you with out-of-state arrangements, either to transfer the remains to another state or from another state.

• So, I've decided on cremation. Can I still have a funeral or a viewing?

Yes, quite often some sort of viewing precedes the actual cremation. Your Funeral Home can assist you with the necessary information for a funeral with a cremation following or a memorial service.

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Your funeral director is helping the Social Security office by giving you this information about Social Security benefits. If the deceased was receiving benefits, you need to contact us to report the death. If you think you may be eligible for survivors benefits, you should contact us to apply.

How Social Security helps families

Social Security survivors benefits help ease the financial burden that follows a worker's death. Almost all children under age 18 will get monthly benefits if a working parent dies. Other family members may be eligible for benefits, too. Anyone who has worked and paid Social Security (FICA) taxes has been earning Social Security benefits for his or her family. The amount of work needed to pay survivors benefits depends on the worker's age at the time of death. It may be as little as 1-1/2 years for a young worker. No one needs more than 10 years.

Who can get survivors benefits?

Here is a list of family members who usually can get benefits:

• Widows and widowers age 60 or older.
• Widows and widowers at any age if caring for the deceased s children who are under age 16 or disabled.
• Divorced wives and husbands age 60 or older, if married to the deceased 10 years or more.
• Widows, Widowers, Divorced wives and divorced husbands age 50 or older, if they are disabled.
• Children up to age 18.
• Children age 18-19, if the attend elementary or high school full time.
• Children over age 18, if they become disabled before age 22.
• The deceased worker s parents age 62 or older,if they were being supported by the worker.

A special one-time payment

In addition to the monthly benefits for family members, a one-time payment of $255 can be paid to a spouse who was living with the worker at the time of death. If there is none, it can be paid to:

• A spouse who is eligible for benefits.
• A child or children eligible for benefits.
• This payment cannot be made if there is no eligible spouse or child.

How to apply for benefits

You can apply for benefits by telephone or by going to any Social Security office.

You may need some of the documents shown on the list below. But don t delay your application because you don t have all the information. If you don t have a document you need, Social Security can help you get it.

Information Needed

• Your Social Security number and the deceased worker s Social Security number.
• A death certificate. (Generally, the funeral director provides a statement that can be used for this purpose.
• Proof of the deceased worker s earnings for last year (W-2 forms or self-employment tax return).
• Your birth certificate.
• A marriage certificate, if you are applying for benefits as a widow, widower, divorced wife, or divorced husband.
• A divorce decree, if you are applying for benefits as a divorced wife or husband.
• Childrens birth certificates and Social Security numbers, if applying for children s benefits.
• Your checking or savings account information, if you want direct deposit of your benefits.
• You will need to submit original documents or copies certified by the issuing office.

You can mail or bring them to the office. Social Security will make photocopies and return your documents.

Supplemental Security Income (SSI)

If you are 65 or older, disabled, or blind, ask the Social Security representative about supplemental security Income (SSI) checks for people with limited income and resources. If you receive SSI, you may also qualify for Medicaid, food stamps, and other social services.

For More Information

For more information, write or visit any Social Security office, or phone the toll-free number, 1-800-772-1213. You can speak to a representative weekdays 7 a.m. to 7 p.m.

A reminder

If the deceased was receiving Social Security benefits, any checks which arrive after death will need to be returned to the Social Security office. If Social Security checks were being directly deposited into a bank account, the bank needs to be notified of the death, too.

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If you are someone who has to plan a funeral due to the loss of a loved one, or perhaps you are attending a service for a family member or friend, here are some explanations of terms and situations you may find yourself having to address.

The funeral is a ceremony of proven worth and value for those who mourn. It provides an opportunity for the survivors and others who share in the loss to express their love, respect, grief and appreciation for a life that has been lived. It permits facing openly and realistically the crisis the death presents. Through the funeral the bereaved take that first step toward emotional adjustment to their loss. This information has been prepared as a convenient reference for modern funeral practices and customs.

The Funeral Service

The type of service conducted for the deceased is specified by the family. Funeral directors are trained to assist families in arranging whatever type of service they desire. The service, held either at a place of worship or at the funeral home with the deceased present, varies in ritual according to denomination. The presence of friends at this time is an acknowledgement of friendship and support. It is helpful to friends and the community to have an obituary notice published announcing the death and type of service to be held.

Private Service

This service is by invitation only and may be held at a place of worship, a funeral home or a family home. Usually, selected relatives and a few close friends attend the funeral service. Often public visitation is held, condolences are sent, and the body is viewed.

Memorial Service

A memorial service is a service without the body present and can vary in ceremony and procedures according to the community and religious affiliations. Some families prefer public visitations followed by a private or graveside service with a memorial service later at the church or funeral home.

Pallbearers

Friends, relatives, church members or business associates may be asked to serve as pallbearers. The funeral director will secure pallbearers if requested to do so by the family.

Honorary Pallbearers

When the deceased has been active in political, business, church or civic circles, it may be appropriate for the family to request close associates of the deceased to serve as honorary pallbearers. They do not actively carry the casket.

Eulogy

A eulogy may be given by a member of the family, clergy, a close personal friend or a business associate of the deceased. The eulogy is not to be lengthy, but should offer praise and commendation and reflect the life of the person who has died.

Dress

Wearing colorful clothing is no longer inappropriate for relatives and friends. Persons attending a funeral should be dressed in good taste so as to show dignity and respect for the family and the occasion.

Funeral Procession / Cortege

When the funeral ceremony and the burial are both held within the local area, friends and relatives may accompany the family to the cemetery. The procession is formed at the funeral home or place of worship. The funeral director can advise you of the traffic regulations and procedures to follow while driving in a funeral procession.

Condolences

The time of death is a very confusing time for family members. No matter what your means of expressing your sympathy, it is important to clearly identify yourself to the family.

Flowers

Sending a floral tribute is a very appropriate way of expressing sympathy to the family of the deceased. Flowers express a feeling of life and beauty and offer much comfort to the family. A floral tribute can either be sent to the funeral home or the residence. If sent to the residence, usually a planter or a small vase of flowers indicating a person's continued sympathy for the family is suggested. The florist places an identification card on the floral tribute. At the funeral home the cards are removed from the floral tributes and given to the family so they may acknowledge the tributes sent.

Mass Cards

Mass cards can be sent either by Catholic or non-Catholic friends. The offering of prayers is a valued expression of sympathy to a Catholic family. A card indicating that a Mass for the deceased has been arranged may be obtained from any Catholic parish. In some areas it is possible to obtain Mass cards at the funeral home. The Mass offering card or envelope is given to the family as an indication of understanding, faith and compassion. Make sure that your name and address is legible and that you list your postal code. This will make it easier for the family to acknowledge your gift.

Memorial Donations

A memorial contribution, to a specific cause or charity, can be appreciated as flowers. A large number of memorial funds are available, however the family may have expressed a preference. Memorial donations provide financial support for various projects. If recognized as a charitable institution, some gifts may be deductible for tax purposes. Your funeral director is familiar with them and can explain each option, as well as furnish the donor with "In Memoriam" cards, which are given to the family.

Sympathy Cards

Sending a card of sympathy, even if you are only an acquaintance, is appropriate. It means so much to the family members to know they are in good thoughts. The card should be in good taste and in keeping with your relationship to the family of the deceased.

Personal Note

A personal note of sympathy is very meaningful. Express yourself openly and sincerely. An expression such as "I'm sorry to learn of your personal loss" is welcomed by the family and can be kept with other messages.

Telephone Calls

Speaking to a family member gives you an opportunity to offer your services and make them feel you really care. If they wish to discuss their recent loss, don't hesitate to talk to the person about the deceased. Be a good listener. Sending a telegram expressing your sympathy is also appropriate.

Visitation

Your presence at the visitation demonstrates that although someone has died, friends still remain. Your presence is an eloquent statement that you care.

Visitation provides a time and place for friends to offer their expression of sorrow and sympathy, rather than awkwardly approaching the subject at the office, supermarket or social activities. The obituary/death notice will designate the hours of visitation when the family will be present and will also designate the times when special services such as lodge services or prayer services may be held. Persons may call at the funeral home at any time during suggested hours of the day or evening to pay respects, even though the family is not present. Friends and relatives are requested to sign the register book. A person's full name should be listed e.g. "Mrs. John Doe". If the person is a business associate, it is proper to list their affiliation as the family may not be familiar with their relationship to the deceased.

Friends should use their own judgement on how long they should remain at the funeral home or place of visitation. If they feel their presence is needed, they should offer to stay.

When the funeral service is over, the survivors often feel very alone in dealing with their feelings. It is important that they know you are still there. Keep in touch.

Sympathy Expressions

When a person calls at the funeral home, sympathy can be expressed by clasping hands, an embrace, or a simple statement of condolence, such as:

"I'm sorry."
"My sympathy to you."
"It was good to know John."
"John was a fine person and a friend of mine. He will be missed."
"My sympathy to your mother."
The family member in return may say:"Thanks for coming."
"John talked about you often."
"I didn't realize so many people cared."
"Come see me when you can."

Encourage the bereaved to express their feelings and thoughts, but don't overwhelm them.

Acknowledgements

The family should acknowledge the flowers and messages sent by relatives and friends. When food and personal services are donated, these thoughtful acts also should be acknowledged, as should the services of the pallbearers. The funeral director may have available printed acknowledgement cards which can be used by the family. When the sender is well known to the family, a short personal note should be written on the acknowledgment card expressing appreciation for a contribution or personal service received. The note can be short, such as:

"Thank you for the beautiful roses. The arrangement was lovely."
"The food you sent was so enjoyed by our family. Your kindness is deeply appreciated."

In some communities it is a practice to insert a public thank you in the newspaper. The funeral director can assist you with this.

Children at Funerals

At a very early age, children have an awareness of and a response to death. Children should be given the option to attend visitation and the funeral service. The funeral director can advise you on how to assist children at the time of a funeral and can provide you with additional information and literature.

Grief Recovery

It is healthy to recognize death and discuss it realistically with friends and relatives. When a person dies, there is grief that needs to be shared. Expressions of sympathy and the offering of yourself to help others following the funeral are welcomed. It is important that we share our grief with one another. Your local funeral director can help family and friends locate available resources and grief recovery programs in your area.

Help a Grieving Friend

Be a listener

Grieving people often find they need to talk about what's happened and how they feel about it. You don't have to fix their grief or cheer them up, but you can share the load just by being there to listen.

It's all right to cry

There's no need to say "be brave" or "be strong." Crying helps emotions to be released so they won't get bottled up. To give permission for tears, anger or any other emotions will let your friend know you aren't uncomfortable with their grief.

Stay in touch

Remember that grief doesn't go away in a few short weeks. Even one year may not be long enough to adjust to changes in your life. So, a friend who calls in 3, 6, or 12 months time may be one of the few who still asks how things are going. Special days like birthdays or Christmas may be just the time to pick up the phone and say, "I was thinking of you today."

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