Pre-Planning Arrangements

funeral pre-planning gives you peace of mind

Preplanning a funeral has many advantages.  It provides an opportunity to design a funeral that reflects your wishes, and ensures that there is money designated towards it and readily available at the time it is needed.

Planning also has the added benefits of relieving family or friends from having to make important decisions or face financial concerns at a stressful time.

Where to Begin

To prearrange a funeral for yourself or a family member, you must first meet with Hawwah A. Karim-Smith,  licensed funeral director of Islamic Burial Services, LLC.  She will talk with you about the kind of funeral you desire and ask you to make a number of decisions that otherwise would be discussed after death.

Through the course of the prearrangement, Hawwah will provide you with a General Price List (GPL) outlining all merchandise and services available to you at her funeral home. The choices you make will be recorded on an itemized statement (entitled a Statement of Funeral Goods and Services Selected). The statement will list all requested services, merchandise and charges involved. Any advance payment you make toward your funeral will be held in trust as required by New Jersey law to ensure the money will be there when it is needed.

If you intend to preplan your funeral, tell a family member or close friend about it. Give them the information on the funeral home you chose and that prearrangements were made. You may also want to consider asking someone to accompany you to the prearrangement conference. This person can help identify the person who will have the authority to sign off on the arrangement at the time of your funeral. (See "Controlling Your Funeral" in the Decisions section of this Website.)

Irrevocable vs. Revocable

There are two kinds of prepaid agreements: Revocable and Irrevocable.

Revocable Agreements  

Trust moneys in revocable accounts are 100 percent revocable upon demand, including all principal and interest. With a revocable agreement, you may change the funeral home and the selected funeral services or merchandise at any time without penalty.

The New Jersey Prepaid Funeral Trust™ utilizes a standard Revocable Trust Agreement for all prearrangements.

View a sample revocable agreement.

Irrevocable Agreements

In New Jersey, irrevocable agreements are required when creating a prepaid funeral account for SSI/Medicaid applicants and recipients. Irrevocable means that the trust fund moneys are NOT REFUNDABLE. Only individuals prepaying their funerals in order to qualify for SSI, Medicaid, or General Assistance may establish irrevocable arrangements, which must be used for funeral and burial purposes. Irrevocable prepaid funeral agreements cannot, by law, be cancelled or refunded (although consumers may change funeral homes).

The New Jersey Prepaid Funeral Trust™ utilizes a standard Irrevocable Trust Agreement for all SSI/Medicaid and General Assistance prearrangements.

View a sample irrevocable agreement.

Prepare today for tomorrow. Contact us today to learn more about pre-planning arrangements.

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