2nd Quarter- MORTUARY ADMINISTRATION Exam 3 Flashcards Preview

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Flashcards in 2nd Quarter- MORTUARY ADMINISTRATION Exam 3 Deck (44):
1

Funeral arrangements made in advance of need

pre-need

2

No provisions for funding or prepayment

pre-planned

3

Includes provisions for funding and payment

pre-funded

4

reasons for preneed

 Make individual wishes known to family.
 Make intelligent and informed decisions with less emotion.
 Relieve survivors of financial burden.
 Reduce personal assets for Medicaid eligibility.
 “Spend-down.”
 Includes pre-funded arrangements.
 Exempt from personal assets.

5

types of pre-need contracts

 Revocable
 Irrevocable
 Guaranteed
 Non-guaranteed

6

Contract which may be terminated by purchaser at any time prior to death of the beneficiary with a refund of monies paid on the contract as prescribed by state law.

revocable contract

7

contract which cannot be terminated or canceled prior to death of the beneficiary

irrevocable contract

8

Funeral home guarantees that services and merchandise will be provided at need for an amount not exceeding original contract amount plus any accruals (interest).

Regardless of cost of providing services and merchandise upon death

guaranteed contract

9

Funeral home only agrees that amount prepaid plus any accruals (interest) will be credited to balance due. Funeral price will be whatever current price is for service and merchandise at time of death

non-guaranteed contract

10

locations where pre-need can be done

Home / Funeral home / other location

11

State and federal regulations
Licensing laws for pre-need

 Funeral service licensee
 Licensed insurance agent

12

Federal trade commission (FTC) funeral rules.

 Presentation of price lists
 Permission to embalm
 Mandatory disclosures

13

Alteration of pre-funded contracts

1. Minor changes in merchandise or services / No effect on guaranteed contract price.
2. Major changes - Void a guaranteed contract
3. Unavailability of services or merchandise. / Most allow substitution of similar or higher quality service or merchandise.

14

Wishes of decedent vs. wishes of funeral planner

 Legal effect of pre-funded contract once death has occurred.
 Most states allow spouse or next-of-kin to change or cancel pre-funded contract and purchase merchandise and service of their choice.

Disagreement among family members.
Case may go to court.
Judge will consider wishes of decedent.
Effect on surviving family member.
Right to right and duty of final disposition.
Most survivors will honor wishes of decedent.
Not legally bound in all states.

15

Parents of a mentally impaired adult child make pre-funded arrangements for a traditional funeral service.
Contract beneficiary is the mentally impaired adult
What will happen to this contract at time of death?

Contract will be honored, although contract was made by the child’s parents.
They are not the direct contract beneficiary upon the child’s death.

16

Types of funding

 Trust account
 Insurance
 Savings/passbook accounts

17

Account established by one individual to be held for the benefit of another. This creates a fiduciary responsibility

As a method of payment of funeral expenses, money paid to a funeral home for future services is placed in an account with the funeral home as trustee for the benefit of another.

trust account

18

Separate account for each pre-funded funeral arrangement.

Individual trust accounts

19

Monies for all pre-funded arrangements placed in one account. Individual record for each account. Provides higher return on investment (interest) as allowed by law

master trust accounts

20

Similar to purchasing automobile or life insurance policy
Policy can be paid in full or monthly premiums may be allowed until the contract price is paid in full

insurance policy

21

Similar to a trust account.
Monies from all pre-funded arrangements placed in one account.
Account draws interest.
Interest pays inflationary increases in funeral prices.

Savings/passbook accounts

22

reduction of a dead human body to inorganic bone fragments by intense heat in a specially designed retort or chamber.

cremation

23

furnace or retort for cremating dead human bodies. Building that houses a retort

Crematory

24

Latin for crematory

Crematorium

25

burning chamber in a crematory

Retort

26

National average of cremation is about (what percentage) Increases each year. The highest rate is in

30%
coastal states and Florida

27

Reason for growth for cremation

 Public acceptance.
 Higher level of education
 Relocation of elderly to “sunbelt” states.
 Immigrants who prefer cremation.

28

considerations for cremation

-- Removal of medical device - Explode and destroy the retort
(Electronic pacemaker / radioactive implants)
--Positive identification of remains - by family member
--Sign affidavit - Prior to transporting to crematory
--Adhere to family wishes
--Items to be removed or cremate( Sign form listing items)
--Adhere to state and local laws
--use of Cremation container
---Co-mingling remains
---Disposition of cremains

29

cremation forms

--Authorization and release forms
(Signed by person with right and duty of disposition) The form informs family of cremation process and protects funeral home and crematory
√File death certificate
√Secure forms required by state law
 Cremation permit / Disposition permit
TEXAS requires – death certificate, burial transmit permit, cremation authorization form

30

when transporting decedent to crematory what are the acceptable forms of containers

a casket or alternative container (fiberboard, wood, etc.) Anything that is “environmentally safe and friendly” and “crematory safe and friendly”

31

act of placing cremains in an urn

inurnment

32

According to CANA (Cremation Association of North America) the definition of inurnment is -

placing cremains in niche or grave

33

What is the key thing to remember about receipt of cremated remains?

You need to make sure you know to whom the cremated remains are to be released.
Make sure you state name of authorized individual during arrangement conference.

34

True or False
Cremation is only a method of final disposition?

TRUE

35

Rites held at the time of disposition of human remains with body present.

traditional funeral service

36

Service held with the final disposition of the cremated remains if cremains will be buried or placed in a niche

graveside

37

committal service with a procession from the funeral service to the crematory.

Committal at the crematory

38

a service related to cremation, as appropriate, allowed by law

Scattering cremated and remains

39

without the body present – w/ or w/o funeral home staff.
Memorial gathering.

memorial service

40

appropriate and helpful acts of counseling/helping that comes after the funeral and final disposition. Also called Post funeral follow-up

• Done at Family’s request
Contacted by funeral home personnel, either Funeral director who made and conducted funeral arrangements or other trained individual

aftercare

41

types of aftercare

 Formal or organized after funeral activities
 Seminars
 Grief support groups
 Holiday activities

42

True or False? Funeral home personnel should be trained to do aftercare - by qualified aftercare educators and professionals?

TRUE

43

FYI- aftercare as an optional service

Not all funeral homes provide any type of aftercare service.
Some view it as growth opportunity.
It provides additional service to the family.
Excellent “word-of-mouth’ advertising.
Logical extension of basic funeral home services.
“Captive audience” - Family and other survivors
Opportunity to educate your community and general public.
Purpose and value of modern funeral service

44

Remember to look over forms for cremation - handouts

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