Many people find the subject of death and funerals to be a difficult one to talk about. Especially when it is their own. By not talking about it and planning for it, however, many people fail to realize the enormous burden placed on loved ones when they are forced to make arrangements for someone who failed to plan ahead for themselves.
When you are ready to talk about it, we have all the answers. Pre-arranging your funeral is the smarter and certainly more kinder way to face this issue. Pre-arranging your funeral allows you to select the funeral service you want, sparing your family that painful and costly burden.
Planning in advance also means you can save money by guaranteeing the cost of your funeral at today’s prices.
Futher-Franklin Funeral Home deposits all the prepaid funeral funds with Guaranteed Funeral Deposits (GFD) as per Provincial Laws. This ensures that the funds are available to pay for the funeral at the time of death.
For more information on preplanning your funeral in advance, please call;
ESTATE GUIDE
In our continuing support of the families served by the Futher-Franklin Funeral Home, we are pleased to offer this information to assist you with many of the issues that you may face following the funeral services.
Although we have taken care to prepare this guide with accuracy, information and procedures with some of the organizations listed may change and may not be reflected in this guide.
The following is a list of things that will be needed or people/agencies that need to be notified:
ü Canada Pension Plan
ü Old Age Security
ü Death Certificates
ü Thank You Cards
ü Suggested wording for Cards of Thanks or Newspaper
ü Support Groups
ü Health Card & S.I.N. Card Cancellations
ü Mail Address Change
ü Insurance Companies
ü Credit Bureaus
ü Income Tax
ü Vehicle & Licenses
ü Real-Estate
ü RRSP & Stocks
ü Bank Accounts
ü Helpful Telephone Numbers
ü Pre-Arrangement Checklist & Information Registry
Although some of these items can be completed by an executor, the use of a Lawyers services will ensure that the estate is closed as per any Federal Government rules.
If you should have any immediate concerns, we would be pleased to assist you in any way that we can.
Canada Pension (CPP) & Old Age Security (OAS)
Our funeral home provides to families the applications for the CPP Death Benefit and Survivors Benefit. Although CPP uses a formula to determine what the Death Benefit value will be, generally it is 6 X's the recipients monthly payment to a maximum of $2,500.00. The Survivor's Benefit is also calculated by a formula. This benefit is available to the deceased spouse and children that are still in school. We would be happy to assist you by providing notorized documents as needed by CPP.
It is important to note that there is no Death Benefit from OAS and the checks that come at the end of the month are payment for that month and the estate can keep these payments.
On behalf of the family, we send to CPP & OAS, a Notice Of Income Security Programs Client's Death. This form will inform CPP & OAS of the death and will facilitate the cancellation of the monthly payments so that the estate will not have to worry about repaying this overpayment.
Death Certificates
The funeral home will file with the Province of Ontario, the Statement of Death (Form 15) and the Medical Certificate of Death (Form 16). It is possible to apply to the Province for certified copies of these forms but generally they are not required for estate settlement. We will provide to you 10 copies of the Funeral Director's Statements of Death. These are accepted by CPP, insurance companies, banks, lawyers and pension plans. We are happy to provide any additional copies that are required at no cost.
Thank You Cards
If you select a stationary package at the funeral home, it will include thank you cards which can be sent to those who sent you flowers, made charitable donations or performed any other act of kindness.
Newspaper Cards Of Thanks
Please see the link for Suggested Wordings for Cards of Thanks.
