At Rochester Cremation, planning in advance has many beneﬁts, especially for those you love.
Make your wishes known by creating a permanent record for future use.
Gain peace of mind that comes with knowing that your wishes have been made known and the details are taken care of.
Protect yourself against unforseen costs and emotional overspending.
Relieve the Financial Burden
Prepaying for your ﬁnal expenses ensures that the ﬁnancial responsibility for the funeral or cremation costs are not placed on family members. With our pre-funding plans, you can save money by purchasing a price guaranteed contract that locks the service and merchandise prices in, eliminating the eﬀects of inﬂation.
- Your Investment is Protected - Even if you move or death occurs away from home.
- Insurance Beneﬁts - Are not eﬀected and will be paid to the appropriate beneﬁciaries.
- Medicaid Approved - Plans are available to set funds aside.
- Your Estate Beneﬁts - When there are no monies owed for Funeral or Cremation expenses. Your heirs get to keep more of what you've earned.
- Relieve Your Family - From untold amounts of emotional stress at the time of need.
Type of Plans
With a guaranteed plan, Rochester Cremation will guarantee the services and merchandise you selected for the amount of money in your account upon passing. Your family or estate will not have to pay anything extra for those items that are guaranteed. These contracts must be paid in full at the time of setting up your prefunded account. Cash advances and third-party expenses are not subject to a guarantee.
With a non-guaranteed plan, Rochester Cremation will charge for the services and merchandise you selected at the rates being charged at the time of your passing. The principal and interest in the account will be applied to the total charges. If there are not suﬃcient funds in the account, your family or estate will be charged for the diﬀerence. The minimum to open a non-guaranteed contract is $500.00.
Types of Trusts
Revocable Trusts allow the purchaser to cancel a contract and withdraw the trust principal and any interest at any time, without penalty.
Irrevocable Trusts must be set up if you are applying for Medicaid or may be required if you are applying for Supplemental Social Security Beneﬁts. All monies paid to fund these type of trusts need to be used for funeral or cremation expenses. Any funds that are left must be returned to the county, not the purchaser.
*All trusts are FDIC insured against loss.