|Posted by Funeral Advantage Blog on June 4, 2012 at 12:10 AM|
Many people ask us what costs to expect with a funeral, but they often forget that cemetery expenses are in addition to and separate from services you pay a funeral home or crematory to perform. Buying burial rights at a cemetery can be a complicated and costly process and cemeteries aren’t sufficiently regulated in most States. While the Federal Trade Commission’s Funeral Rule entitles you to printed price lists, truthful disclosures and the right to buy only what you want from the mortuary, this rule doesn’t cover cemeteries. A few States offer cemetery customers those protections at the State level, but most don’t. It’s important to know exactly what you’re buying and how to negotiate for it, before you’re in the grave.
Right of Interment What most people would call “the grave.” When you “buy a grave,” you haven’t actually bought a piece of property like the land your house sits on, you bought the right to be buried in a particular space (whether that’s a full-body grave, a small space for ashes or a slot in a mausoleum).
Opening/Closing The charges to dig the grave and fill it back in once the casket or urn is placed. If you entomb the casket or urn in a mausoleum space, this charge also applies. Opening/closing charges are usually not included in the cost of the right of interment, this means if you “bought a grave,” even many years ago, you or your survivors will likely have to pay an additional opening/closing fee.
Vault Also known as an “outer burial container” or “grave-liner” these are boxes for your box. Made of concrete, steel or lightweight fiberglass-type materials which are placed in the grave with the casket inside. While there are no laws in any State that require them, many cemeteries do. They are designed to prevent the ground from sinking as the casket deteriorates over time, making it easier to mow the grass with heavy equipment. The funeral director or cemetery staff will usually order the vault and arrange for the vault company to install it for the burial. The installation cost may be included in the retail price of the vault, but sometimes it’s separate and $200 is not uncommon. There is NO casket, vault or container of any kind that will prevent the body from decomposing. Even those that are marketed as “sealed” or “air-tight”, none of them will keep out air, water or dirt indefinitely. If someone is trying to sell you a vault to “protect” the casket, they’re manipulating your emotions with unrealistic promises. The only thing such costly boxes will do is lighten your wallet.
Mausoleums Above-ground buildings where the casket is placed in a drawer-like space with a plaque bearing the name of the deceased. Some people choose mausoleum entombment because they don’t like the idea of being in the ground and because they often provide a comfortable place to visit no matter the weather. Some are marketed as a “clean and dry” alternative to ground burial, but the quality of how mausoleums are built and maintained varies significantly. The body will still decompose in a mausoleum space and there have been a number of unfortunate incidents of fluids and odors leaking out of the crypts. Be sure to check the mausoleum for cleanliness ahead of time and do not do business with a mausoleum that requires a “sealed” casket. "Sealed" caskets have a rubber gasket around the lid and are what cause gas build up and leaking.
Columbariums Miniature versions of mausoleums designed for urns containing cremated remains. While they are usually less expensive than full-sized spaces, they can still be quite costly.
Perpetual Care Most States require cemeteries to deposit a percentage of every sale into a maintenance fund to ensure upkeep of the grounds and the graves over the years. This percentage usually ranges from 5 to 15 percent. Many cemeteries have managed their funds carefully over the years, but many have not. Even conservatively run cemeteries have found the maintenance funds haven’t grown sufficiently to keep up with inflation, especially as fewer families buy conventional graves. While you can’t avoid paying the perpetual care fee, understand that it’s no guarantee the cemetery will be properly maintained forever. Funeral Consumers Alliance is seeing a rise in the number of cemeteries going broke and defunct from either mismanagement, theft of the maintenance funds or low returns because of a poor investment market.
Before You Buy
Unlike funeral homes, federal regulations don’t require cemeteries to give you a printed, itemized price list before you buy. There are NO federal regulations that give cemetery customers the right to buy only the services and merchandise they want. Funeral homes, for example, may not require you to buy their casket and they can’t impose a “handling fee” if you bring in a casket from an outside vendor. These rules do not apply to cemeteries.
Cemetery regulation is so lax, consumers frequently complain that cemeteries tell them the family must buy the headstone only from the cemetery or that the cemetery will impose a ludicrous “inspection fee” for any markers purchased from an outside vendor. One man had a Mississippi cemetery try to charge him $2.50 per square inch to inspect the marker he bought from a local business. At $7,000 he would have paid the cemetery three times what the marker cost just for the staff to (allegedly) inspect it. We believe this kind of behavior is a clear violation of federal anti-trust and monopoly laws, but few States are paying attention.
In addition, only a few States require cemeteries to give you a copy of the rules pertaining to allowable markers and visiting hours before the sale. It's because of these problems, you need to be proactive as a consumer:
- Get a printed, itemized price list for all services and merchandise before you buy.
- Get a copy of the cemetery’s rules and regulations ahead of time.
- Pay particular attention to the type and size of monuments that are allowed. Remember, cemeteries have the right to set such rules and it’s no good to spend money on a monument the cemetery won’t allow to be set.
- Be aware of the cemetery’s rules on grave decorations ahead of time. Most cemeteries will bar glass items and excessive decorations such as numerous pinwheels, picket fencing, etc.. It is legitimate for a cemetery to set such standards for aesthetics and safety, but be sure you know what they are before you buy.
- Make sure you understand the finance contract you are signing. Many cemeteries cancel your contract if you do not make payments for 3 to 6 months and you loose all the money you paid!
Before you buy from the cemetery, explore your options on line and find cemetery brokers and private parties who sell burial plots at a lower price. Our website also provides a section where our visitors and members advertise their burial plots for sale, click here to visit this section.
Do not do business with any cemetery that will not provide this information ahead of time. If their business attitude before the sale makes you uncomfortable, imagine how you would feel down the line with a friend or relative buried there in perpetuity knowing you had no choice but to deal with that business.
Think long and hard before you buy a cemetery plot ahead of time. It may be enticing to “act now before prices go up,” but buying interment rights ahead of time can be a costly mistake.
It is difficult to predict with certainty that you will still be living in the cemetery’s area many years down the road and transporting a casket for a long distance can be extremely costly for your survivors. It can be quite difficult to sell a grave you no longer need and with the cremation rate rising, it’s only getting harder to sell full-sized graves on the secondary market. However, purchasing ahead of time may make sense if you have a family tradition, strong feelings about using a specific cemetery or if you are choosing one that is likely to run out of space.
On May 20 2012, CBS News 60 minutes conducted an investigative report on cemetery fraud and abuses. Click here to watch video
How Much Will It Cost? Prices for cemetery services vary so widely around the country, it’s impossible to give an average figure. In many rural areas, small, non-profit cemeteries will sell you a full-sized grave for $300 or so, and perhaps charge $200 to $500 to open the grave. Cemeteries in urban areas—particularly those owned by for-profit companies—often charge $5,000 to $10,000 for a full-sized grave or mausoleum space and the opening and closing. Even burial of a small urn can be very costly; one family complained that a corporate-owned cemetery charged them $800 just to turn a few screws and remove the small plate that opened the columbarium space for the urn.
In very broad terms, it’s not unusual to expect to pay at least $2,000 for the cemetery costs of a full-casket burial over and above the cost of the funeral. Your mileage will vary and as with all death-related costs, you should shop around as many cemeteries as you can ahead of time.
In many areas, full-body burial is allowed on your own property; check the zoning rules in your county. It is legal in every State to bury or sprinkle cremated remains on private property with the permission of the landowner. Beware of bogus veteran’s sales tactics offering a free grave to the vet but charging an inflated rate to the spouse. Remember that vets and their spouses are entitled to free burials in a federal VA cemetery and free or nearly free burial in a State VA cemetery.
Categories: Funeral Planning