Why Preplanning is a Good Thing for Parents

Posted on November 25, 2022 by Chris Messina

No one likes to imagine a time when they’re not around to help their children anymore. A parent’s job is never done, regardless of how old their children are. But there may be a time when a parent is no longer there physically for their children. However, there’s one final gift that any parent can give to their child. Preplanning your funeral as a parent can save your child from added pain and stress during an already challenging time.

Why Should Parents Preplan?

If you have several children, you’ll spare them from future spats.

When a parent passes away, it usually falls to the children to plan their funeral and disposition. But what happens when there are several children making decisions? Unfortunately, if they don’t know their parent’s wishes, those children will often butt heads because they all have different ideas that they want to follow. Everyone only gets one funeral and one disposition, so it’s crucial that they properly honor the loved one who passed. But each child may have a different image of what honoring their parent looks like.

 

By preplanning your funeral, your children will know what your wishes are. There won’t be any competing ideas that can result in arguments. There will be one set of instructions to follow — yours. During a time of great grief, emotions can run high, which can make even the smallest of arguments quickly compound. With your preplanning instructions, they can grieve together in peace instead of fighting while they should be spending time comforting and supporting one another.

 

If you have one child, you’ll spare them from becoming overwhelmed.

If you do have multiple children, you can take comfort in knowing that they’ll be going through the funeral planning process together. And while that can lead to fights, it can also lead to them feeling less alone during a lonely time, especially if you preplan to make arguments less likely. However, if you only have one child, they’ll be the only one making the decisions around your funeral. They may feel like they have no one to talk to, causing them to wonder if they’re making the right choices with no one else supplying their thoughts. The funeral planning process can feel overwhelming. There are many decisions to be made, from what types of services to have to where your final resting place should be. Losing a parent can trigger feelings of loneliness and isolation, in addition to powerful grief. But if your child has to plan every detail of your funeral and disposition while they’re already emotionally taxed, they may neglect taking care of themselves in favor of taking care of the funeral.

 

It’s hard to be an only child who lost their parent. There are no siblings there to comfort one another. Your child may find themselves feeling more alone than they’ve ever felt. By preplanning your funeral, you take the stress of worrying about the funeral off of them. You’re giving them a gift, saying that they can take care of themselves during this difficult time, rather than thinking about every detail of the funeral.

 

You’ll know that you’ve done your best to guide your children through the funeral process.

Parents never stop teaching. Whether your child is three or 43, you want to be a source of knowledge and guidance for them. Parents wish that they had all the answers in the world for their children, but one answer that they can give is what they want at their funeral and as a final resting place. Still, because talking about funerals and disposition can be uncomfortable, many parents neglect to have this essential conversation with their children.

 

When you preplan a funeral, you’re going one step further than simply talking about what you want. You’re giving your children a blueprint. Your children will know that they are hosting the funeral that you wanted, giving them peace of mind. They can mourn without any concerns about whether or not they’ve done right by your wishes. They’ll have your wishes written out for their guidance.

 

You can opt to prefund, saving your children from future financial woes.

Although you can preplan without prefunding your funeral, choosing prefund can spare your children from worrying about whether or not they can afford the funeral you deserve. Many believe that life insurance will cover the cost of a funeral and disposition, but the funds that your family receives through life insurance are often used to cover other end-of-life care, like medical expenses. At the time of a funeral, services must be paid in full. Without prefunding, your children may end up struggling to cover the costs.

 

When you preplan your funeral, talk to your funeral director about your option for prefunding. They can walk you through the different plans that can help you cover your funeral and disposition in full, preventing your children from having to worry about if their finances line up with the funeral you’ve planned. There are many different options for paying toward your funeral, so working with a funeral director can ensure that you’re using a plan that works best for you and your family.

 

The best way to preplan, whether you intend to prefund or not, is by working with a funeral home. Planning with a funeral home takes more of the guesswork out of arranging your funeral. Your children will know exactly where your plans can be found, and they’ll be able to work with a funeral director who understands your wishes. Preplanning your funeral with a funeral home is a free process that anyone can do. It’s the best way to ensure that your final wishes are honored.

 

Preplanning your funeral as a parent is giving a final gift to your children. Losing a parent is something that many people will experience in life, but the loss is always difficult. You can make this challenging time easier for your children by allowing them to grieve in peace without the worry of funeral planning.

 

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