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Advanced Planning

"With malice toward none, with charity for all, with firmness in the right as God gives us to see the right, let us strive on to finish the work we are in, to bind up the nation's wounds, to care for him who shall have bourne the battle and for his widow and his orphan, to do all which may achieve and cherish a just and lasting peace among ourselves and with all nations."

- President Abraham Lincoln
(Second Inaugural Address )

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Pre-Arrangement Service

 Pre-arrangements can be made from the comfort of your home.

Pre-arrangements provide peace of mind and allow for cost savings, especially as interest rates and inflation are both increasing again.  

>Know the Facts

The death of a loved one is a tragedy every household experiences.

Most families will find themselves poorly prepared to deal with the problems, indecisions, and costs a death forces on them.

The decision to prearrange your cemetery or funeral needs today is very economically sound, although the strongest reasons to prearrange are love and peace of mind.

Benefits of Pre-Arrangement

1. Peace of Mind

When a death occurs in any family or among friends, the grief is tremendous and the healing time very long. Prearrangement will have a positive impact on your family and friends simply because you have made your own decision. This peace of mind provides benefits far beyond the dollars spent.

2. Satisfaction

On a prearrangement basis, a family burial estate and/or funeral merchandise can be selected by all family members, thus guaranteeing everyone's satisfaction.

3. Price-Freezing

Based on the last five decades, we know the cost of cemetery and funeral arrangements will continue to increase. Prearrangement allows the costs to be frozen at todays prices.

4. Conserves Insurance

Life insurance is for the living, not the deceased. Most life insurance is purchased to allow a family time to adjust to the loss of income that a death causes. If prearrangements are not made, a large amount of insurance proceeds can be spent on cemetery and funeral items adding financial burdens to loved ones left behind.

5. Payments

Funeral and memorialization costs are expenses every individual must plan to pay. These needs can be met today out of current income through budget payments. Payment at the time of death is traditionally made on a cash basis.

6. Togetherness

A husband and wife can share their choices and decide together, therefore saving loved ones heartache, expense and inconvenience at the time of death.

Advantages of Prepaying

By paying in advance you may: 

1. Ensure that money is available for your funeral service.

2. Provide peace of mind if you have no others to make final arrangements. And to set aside necessary funds to complete the payment for those arrangements.

3. Set funds apart from other assets if you apply for certain social benefits.

You Have Only Two Choices

1. You can prearrange your family estate before death enters your home.

2. You can wait until death forces you to make cemetery and funeral arrangements

Pre-planning gives people peace of mind.

If you are ready to begin the pre-planning process, give us a call at (781) 843-0890 or click to fill in the form below. 

You may fill out as much information as you can, but we will gather the rest later on. This is to help you complete the pre-arrangements, and most of this information is for use on the death certificate and for the arrangements of the funeral at the time of passing. If you do not have all the information right now, that is fine.

Click on the graphic below to access our online pre-arrangement form.

Information Regarding the Medicaid Spend Down:

Meeting the Medicaid Deadline to qualify your beloved relative or spouse for Medicaid purposes can be confusing, yet, we have the knowledge and experience to help you with the Medicaid Spend Down through thorough funeral pre-need planning. We have been doing pre-needs since the 1970’s, over forty years ago, and our funeral home has operated under the Peck Family for over 80 years.

We will set up, at no additional cost to you, a funeral pre-need insurance policy that is not taxed, is in an irrevocable funeral trust, when you call us at either 781-843-0890 or 781-337-0093 to make pre-need arrangements with our funeral directors.

If you, your family or your loved one already has an insurance policy, then we can have you sign an assignment form, along with a change in beneficiary and change of ownership forms, from that insurance company, which then will satisfy the requirements for an irrevocable funeral trust with our funeral homes. We will need from you or with your authorization the current death benefits value as well as the current actual cash value and policy number(s) of the policy involved.

Time is of the essence, so do not put off pre-planning today, so that you can complete your Medicaid application. Please feel free to fill out our pre-arrangement form on the pre-need page that is one of the left- hand buttons on Three-quarters of the way down that pre-need page you will see a purple button titled “Pre-need Form”. Once you have called us, filled out that form and hit the submit key at the base of the form, that information comes to our funeral homes and within a one-hour appointment with us, you can sign documents and have all the requirements for completing your Medicaid spend down and pre-need funeral planning. The “funeral burial account” is a distinctly different account, currently allowing $1,500 dollars, to be set aside, for purposes of the burial itself, the collation, or gathering after the burial, and/or for engraving and cleaning of the stone, or the placing of the bronze marker.

We recommend having that trust account, the “funeral burial account” at your local Rockland Trust bank, for instance.

When you pre-pay the funeral with Columbian Insurance, with one of our directors having a funeral directing license as well as an insurance license, this insurance policy allows us to guarantee all the primary funeral costs including the casket, the funeral service expense, the prayer cards, and the (Whitman) vault. The ability to make that guarantee is not necessarily true if you assign an outside non-funeral insurance company policy to us, based on that individual companies policies. The only items that we can never guarantee are the cash advance items including but not limited to church honorariums, flowers, newspaper expenses, or the cemetery’s opening fee. Those cash items are too volatile, and those costs will increase over time whereas our funeral service costs will not once you have locked in the price with our Peck funeral homes. Call us today to gain peace of mind and save on the funeral service costs, now.

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