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Jul 30, 2009 -- How the recession is impacting funeral planning

One unexpected consequence of the recession is that some families can't afford to bury their loved ones.

The Los Angeles Times reports that bodies are going unclaimed in record numbers at morgues because families know they can't afford a burial. In a case like that, many jurisdictions will do a cremation at taxpayer expense.

Meanwhile, The New York Times reports that home burial is becoming increasingly popular at family farms and other large tracts of private land. In most jurisdictions, home burial is permissible as long as you follow the regulations. The typical cost is a few hundred dollars.

Obviously, these are the two extremes of how the recession is shaping end-of-life choices. But there is a reasonable compromise: Join a non-profit funeral or memorial society if there's one in your area. Funerals.org is a clearinghouse where you can search by state.

As Clark has said in the past, you get to use the group buying power of your fellow memorial society members to greatly reduce the costs of a funeral with cremation or burial.

The consumer champ has been a member since the '70s. Through his membership, a simple burial with a casket is $1,950 vs. $7,500 for a comparable service. Cremation is in the $900 range.

Unfortunately, Clark won't be able to answer any questions submitted via commenting. If you have a question, please try posting it to our message boards.

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What others are saying

  • Memorial Society of GA
    I have sent a check for membership to the Memorial Society of Ga. I received some Pre-Arrangement Forms to return. I am unable to get their website and was unable to speak to a human being there. I called two funeral homes who are members but info is sketchy at best from them about extra costs, who does what, etc. I felt after talking to them that this is almost a "pauper's" burial. Anyone out there who can shed any light on this with recent experiences of actually using this service?
  • Green Burial
    Clark,
    I just found atlantagreenburials.com. It is operated by a funeral home, South Care and they work with the green burial grounds in Conyers. They have their prices online and I am convinced that this is the route for me. It would be great if you talked more about the options like this. I have been to the funeral.org site and they point back to the memorial society of ga and those guys want to send me to all the big funeral homes that wont talk price on the phone. They want me to come in and sit down. Heck, I dont want to be at a funeral home until i'm layed out!
  • Funeral Planning
    Clark, am an avid listener and want to thank you for the link to funeral.org. My husband's father died very suddenly ten years ago. Although we had approached both of them, in their early sixties (via letter) expressing the desire to know their wishes, they never seemed to concerned about it. My husband has only one sibling, 13 years younger than he. When his father passed, sister was very emotional. in 2000, my mother-in-law paid $12,000 for burial and the poor man still does not have a headstone! Yes, sister was emotional, had to have a solid copper casket, the highest ranked liner, and all the little holes to put parchment paper in listing genealogy. When my husband tried to show his sister the actual difference between what his mother and he had chosen compared to her choices, she became very distraught and Mom gave in. Now Mom is very ill and at age 73, has no burial plan and very few assets. Dad was self-employed as a "earth-moving" and after auctioning off his equipment, she only netted $40,000. You are giving great advice. I, on the other hand, have one son from a previous marriage. I already have my funeral planned, right down to the music. Although it is not all paid off, I believe at the age of 51, I still have time to "get 'er done". I opted for the "casket" for show, then into a simple pine box with the minimum liner required by our state law. I do have a more elaborate headstone, as this is the most important part to me, someplace you can go and sit to talk to your lost loved ones. Having an only son, I decided this was advantageous as he is slightly developmentally disabled due to low birth weight. Very sensitive. He does not need to worry about all the details in tandem with grief. Anyone with children should heed your advice. It is much more than probability, we will all die and there are many "profiteers" in this industry!
  • Home Burial
    With the economy down and two whiskers away from foreclosure we decided to bury momma in the back yard. I made a beautiful box from scrap plywood and a few 2 by 4's for less than $10. We had a nice service at the church then buried her a good distance from the septic tank. Being close by it also saves on gas money since we don't have to drive to visit the grave.
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