gr8Dad
Carpal \'Tunnel
Reged: 06/07/04
Posts: 30195
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Friday June 8th, my wife's 36 year old sister passed away suddenly. She had Turners Syndrome, and a blood clot broke loose and when it got to her heart, she died.
I know many will offer good wishes, so I thank you in response. The message I want to get out comes with the AFTER MATH. It turns out the girl had ZERO life insurance, and her funeral, which was as CHEAP as it could possibly be (the plot was already there, family plot), came in at $7700. This has placed the family in a difficult position.
My point? Regardless as to how young you are, get $10K worth of life insurance. The younger you are, the cheaper it will be, and while it will not take care of a family, it will be enough to bury you without placing your family in a hardship.
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Why give a "senior" discount, they have had plenty of time to raise the money...
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M5M5
Carpal \'Tunnel
Reged: 07/29/05
Posts: 11722
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Unfortunately, this is most often learned the hard way, I think. My SIL passed away almost 2 years ago at 48 and she had no life insurance at all. I think the total cost of everything (and they went cheapest too) was well over 6K. Still being paid on by her youngest son (he is 24 I think).
Sorry for your loss.
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finz
Carpal \'Tunnel
Reged: 06/17/08
Posts: 6453
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Sorry for your loss gr8dad.
I hear the message and wish more did.
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Cassie23
Carpal \'Tunnel
Reged: 10/07/05
Posts: 14714
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So sorry for your family's loss.
My father was working a factory job and fell ill. Within a month he was diagnosed with cancer. He had been so healthy up until that time he dropped his insurance almost a year before to save $$$. When he fell ill and could not work he received disability. He was in the process of getting help with his obscene medical bills through Social Services, but never finished filling out the paperwork.
Anyway long story short...when we went to the funeral home we were told that he would send the paperwork to social services. They ended up paying for it LESS his 401k check that I had to sign over to the funeral home.
We wouldn't have known about this option had the funeral home director not told us. Our family's name was known to the area so we knew him pretty well (his son graduated with one of my siblings). I don't know what rules applied, but we were thankful that was a possibility since he did not have insurance.
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Loretta
Carpal \'Tunnel
Reged: 06/02/05
Posts: 3940
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Sorry for your loss. I hear the message as well and we are insured. I also bought my mom life insurance as well. My mom & stepdad and me & my husband bought a house together. We paid 70k cash. The deal was that my husband and I would pay to bury them when they died and they could live in the house for free until they died. The house is in my name. Who knew my step dad would get cancer right away and die??? I paid 7k to bury him. I then bought life insurance on mom. You just never know.
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9394
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I'm sorry for your loss.
It is a good message to families, as well as the message to have a will. Always have a will and instructions for your family on your wishes.
I would also like to mention cremation, which is a MUCH less expensive option. It is what is in my instructions for my death, along with total organ donation.
BTW...wife?
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gr8Dad
Carpal \'Tunnel
Reged: 06/07/04
Posts: 30195
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Yep, got married.
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Why give a "senior" discount, they have had plenty of time to raise the money...
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youngatheart
Carpal \'Tunnel
Reged: 09/03/05
Posts: 9394
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Didn't you learn your lesson yet? LOL
Seriously, Congrats.
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Debi
Carpal \'Tunnel
Reged: 06/03/05
Posts: 7135
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I went through this with my dad last year. Being a vetran and having a beautiful vetran's cemetery nearby, the niche (he was cremated) and marker at least were free. The funeral director was very nice and cut as many things from his bill as possible. Even with that and not having to pay for a plot or the niche it was still over 4k.
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When we were together, you said you'd die for me. Now, I think it's time you kept your promise.
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elliesmom
Carpal \'Tunnel
Reged: 11/07/05
Posts: 8834
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I just wanted to add that when we had my brother cremated (no life insurance, and it was a suicide so I doubt they pay on that anyway) my father contacted a local mortuary school and found out they do it on the cheap, since they need the practice. His cremation was very inexpensive, like $500 (thought it was almost 20 years ago).
We also had the memorial service in the worship area of the homeless shelter he volunteered at, which was free though my Dad made a donation I believe. We did not bury the ashes, my Dad took them and sprinkled them in one of his favorite places. All in all, it was fairly inexpensive.
Personally if anyone spends thousands on my funeral there better be an open bar.
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Forgiveness is...letting go of the hope that the past can be changed.
Edited by elliesmom (06/20/12 09:10 AM)
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