Cremation and Mitigating Burial Costs

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catholic47

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Based on my previous threads, I will be the one responsible for my mom’s and stepfather’s (both Catholics and in their mid-70’s) burial services due to limited financial means based predominately on my stepfather’s financial mismanagement and alcoholism. They attempted to get burial insurance to cover their future expenses, but had to cancel it because they cannot afford it.

Ideally, both of them would prefer a body burial but they understand that body burials are more costly than cremation. They would be choosing cremation over a body burial because they want to minimize my financial burden as much as possible even as we understand that the church prefers a body burial. In addition, my stepfather is wavering on donating his body to science but is open to cremation.

In my local area (Northern California) at a Catholic Cemetery, a double plot would be $11,500 vs. $4,500 for a double niche at a columbarium. Because I have a family to support (and have our own burial needs) and my frugal nature, I find it just too cost prohibitive to spend an additional $7,000 to meet the preferred burial method of the church even as I can technically “afford it.” I view the funeral business as an overpriced racket and feel like I am being taken financially taken advantage of based on the high costs of burying the dead. That said, I plan on purchasing the double size niche in a columbarium for $4,500 on their behalf in the coming months and I will purchase two respectable urns engraved with their name and birth/death dates when the time comes.

The purpose of this thread is to receive feedback with costs and logistics of saving money on cremation while still being reverent and complying with Catholic Funeral rites. The Memorial Service Cremation Plan (Includes Cremation, Memorial Mass, and Committal, Services of Funeral Director) offered by a local Catholic Cemetery is $4,175 which seems like highway robbery to me considering that my stepfather will have maybe 4 immediate family members attend his funeral when the time comes. On the other hand, I located a cremation company that does simple cremation for $575. (Includes a simple cremation is the disposition of the body by cremation without the added cost of embalming, formal viewing or ceremony. Our charges include the basic services of the funeral director and staff, removal of the body, use of a positive ID system, transportation to our licensed refrigerated holding and crematory facility, consultation with the family to discuss wishes and sign required documents, filing of death certificate, alternative cremation container, cremation process and delivery of the cremated remains to the family in a temporary plastic urn.)

Logistically, can I choose the $575.00 option, then once I receive the remains back have a funeral Mass after I receive the ashes back in 7-10 days? Or should a Memorial Mass be done right after the person dies instead of waiting 7-10 days to receive the ashes? If you were in my situation and attempting to mitigate funeral costs, how would you proceed logistically while being in compliance with Catholic funeral norms?
 
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One of my relatives who is Catholic died last year. His widow had him cremated, received his ashes back, and kept the ashes for a few weeks while making arrangements for a funeral Mass which family could all attend and his ashes were also present, and interment the same day at a veterans’ cemetery with various ceremonies for the deceased veteran that I imagine took some time to set up. Based on that, it seems like it would be possible to have cremation done elsewhere, cremains sent to you and then have the funeral within a short reasonable time. But check with your priest just in case
 
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One other thing I’ve noticed at a parish near me is that the church will have smaller funerals or memorial Masses, where there’s just a few family present, in their chapel that’s used for daily Mass and Adoration. This actually allows them to book two funerals at a time if they have a large one with a lot of attendees using the main church and then the smaller one with maybe 5 to 8 family members in the small chapel. If your church has a chapel then you might see if that is an option for your father so you don’t feel like peas rattling around in a pod in a big church.
 
Are either of your parents a veteran? If so, they can be buried in a VA cemetery which will save a great deal of money.
 
Almost everything in the funeral business is negotiable. Walk into the Catholic place with a quote from the cost saving place.

As well, life insurance can cover those costs. There are small final expense policies which tend to have affordable monthly premiums. It is a competitive business so shop around. Any company you see on tv is expensive due to having to pay for advertising.

If they had to cancel their insurance you may be able to get it reinstated. Paying the premiums for them will probably wind up saving you money.

I wouldn’t go with the $575 though. There is a price to give good service. These type of services always have add one’s. “Oh, you want the cremains brought to your house? No problem…$450 plus mileage…”
 
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Am I mistaken, or doesn’t the cremation have to be deferred until after the funeral Mass? I thought the uncremated body had to be present, in a casket, then cremation takes place afterwards? Or do the ashes suffice for “the body being present”?

I’m confused.
 
Am I mistaken, or doesn’t the cremation have to be deferred until after the funeral Mass? I thought the uncremated body had to be present, in a casket, then cremation takes place afterwards? Or do the ashes suffice for “the body being present”?
In my experience: Yes, you are mistaken.
 
Should be, but often not. Doing so generally mitigates much of the cost savings, which is usually why people go with the cremation rather than burial.
 
That is definitely why it has become so popular. In the obituary listings in our local paper, not only are most people cremated, most of the listings say services are private, or that there will be no service. And there is no mention of burial in many cases. The funeral business has really changed.
 
We did our planning a few years back so our kids wouldn’t have to worry about it. My mother had herself cremated and her ashes spread at sea. I didn’t have a chance to say goodbye, and promised myself I would never do that to my son.
It wasn’t cheap, but is a lot less than it likely will be when we’re gone. Everything is covered except for flowers. My father planned his this way and we greatly appreciated it. We chose plots, caskets, gravestone, the whole bit. Fortunately we can afford it. If we couldn’t afford it, I’d still give my son a chance to say goodbye.
 
I personally don’t understand why people scatter cremains. It sounded really unique in a movie or something, and suddenly, everyone wanted themselves “scattered in the wind off a mountain” or some other place. What is the significance of being scattered somewhere they love? If I loved the dinnerware section of HomeGoods, does that mean I should be scattered there? What about sports fans? Maybe they will all be scattered at the 50 yard line or on pitcher’s mound.

What makes people think they should be scattered into a public place?
 
I don’t know. I don’t get it either. My mother didn’t want to be a burden. But it has bothered me for many years.
 
I love being able to go to the cemetery and visit my parent’s grave. That is where they were laid to rest. It where we can always go when we just need that connection to them. I am like you, I wouldn’t want my children to not know “where to go.”
 
Yes, but I was raised Lutheran, which she fell away from. She passed back in 1988. Long before I was Catholic. She always tried to shelter me. She had cancer for four years before she told me. Her arrangements had been made and I was never told. This is making me sad.
 
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