Why are funerals so expensive?
When compared to other major life cycle events, like births and weddings, funerals are not expensive. A
wedding costs at least three times as much; but because it is a happy event, wedding costs are rarely criticized. A
funeral home is a 24 hour, labor intensive business, with extensive facilities (viewing rooms, chapels, sample rooms,
administrative offices, limousines, hearses, etc.). These expenses must be factored into the cost of a
funeral. Morover, the cost of a funeral includes not only the merchandise (such as caskets), but the services
of a funeral director in making arrangements; filing appropriate forms, dealing with doctors, ministers, florists,
newspapers and others; and seeing to all the necessary details. Contrary to popular belief, funeral homes are
largely family-owned businesses with a modest profit margin.
What recourse does a consumer have for poor service or overcharging?
The FTC and state licensing boards regulate funeral service. In most cases, the consumer should discuss
problems with the funeral director first. If talking with the funeral director cannot solve the dispute, the
consumer may wish to contact the Funeral Service Consumer Assistance Program. FSCAP provides information,
mediates disputes, provides arbitration, and maintains a consumer guarantee fund for reimbursement of services
rendered. To contact FSCAP, call 708-827-6337 or 800-662-7666.
Do funeral directors take advantage of the bereaved?
Funeral directors are caring individuals who help people deal with a very stressful time. They serve the
same families 80% of the time, and many have spent most of their lives in the same community. If they took
advantage of bereaved families, they could not stay in business. The fact that the average funeral home has
been in business over 59 years shows that most funeral directors respect the wishes of the bereaved families.
Is it right to make a profit from death?
Funeral directors look upon their profession as a service, but it is also a business. Like any business,
funeral homes must make a profit to exist. As long as the profit is reasonable and the services rendered are
necessary, complete, and satisfactory to the family, profit is legitimate.
Don't funeral directors mark caskets up tremendously, at least 400%?
No. Talking about the mark up on caskets is really not the point. Most items--clothing, furniture,
jewelry--are marked up as much or more than caskets. The real question is whether the funeral director is
making an excessive profit, and that answer is "No". Profits run around 12.5% before taxes -- not excessive
by any standard.
Who pays for funerals for the indigent?
Other than the family, there are veteran, union, and other organizational benefits to pay for funerals, including,
in certain instances, a lump sum death payment from Social Security. In most states, some form of public aid allowances
is available from the state, county, or city or a combination. Most funeral directors are aware of the various benefits
and know how to obtain them for the indigent. However, funeral directors often absorb costs above and beyond what is
provided by agencies to insure the deceased a respectable burial.
What should I do if the death occurs in the middle of the night or on the weekend?
Our Funeral Directors at Niswonger Reynolds are available 24 hours a day, seven days a week. Will
someone come right away? If you require immediate assistance, we will send staff to you right away. Our
funeral directors encourage family members to spend a short time with the deceased to say good-bye. They will
come when your time is right. For more information, please see "What To Do When
Death Occurs?".
If a loved one dies out of state, can the local Funeral Home still help?
Yes, our staff of funeral directors can assist you with out-of-state arrangements, either to transfer the
remains to another state or from another state. If a death were to occur outside the Central Oregon area, we
can contact any number of agencies and remote funeral homes to assist in taking care of the necessary procedures
at the location of death.