One question based on all this is, how much do I really have to buy or work with funeral homes to stay compliant with the law? And there are some things you do have to do, and others you can choose to do yourself. Most funeral directors will charge you a flat fee for any work at all, usually called basic expenses. This is included in the list price. This varies, but generally includes things like the funeral ceremony, the legal stuff like death certificates, and being an intermediary with other organizations like cemeteries and cremation services. It is completely legal under the Funeral Rule to only choose basic services and handle the rest yourself. The funeral director cannot legally tell you otherwise. To be clear, this is not an endorsement of one option over any other because everyone’s preferences, culture, and budget will determine the best option for them.
For the best tips for saving money on after death expenses, click here:
https://fcannj.org/how-to-save-money/
For more about how to make final arrangements, click here:
https://fcannj.org/final-arrangements/
For an introduction to the Funeral Rule, click here:
https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
And finally, for home funerals, which are legal in New Jersey, as long as you purchase basic services from a funeral home:
https://fcannj.org/home-funerals/
Funeral Rule FAQ
What is the FTC Funeral Rule and how does it protect consumers?
The FTC Funeral Rule is a law that protects consumers in a variety of ways, most notably by requiring funeral homes to provide you a line by line list of everything they are charging for and by allowing consumers to only purchase items they want.
Which companies comply with the funeral rule for price disclosures?
Funeral homes must comply with the funeral rule for price disclosures.
How can I compare funeral service providers under the funeral rule?
You can compare funeral service providers by asking for a general list price from multiple providers and comparing them. Also consider factors like product availability and quality of items.
How to get a general price list from a funeral home?
Calling the funeral home directly is the best method for getting a general list price, because they legally cannot refuse it over the phone.
Where can I find a list of funeral homes that follow the funeral rule?
Any and all funeral homes must follow the funeral rule.
How can I understand itemized pricing for funeral services?
Click here for the national Funeral Consumers Alliance’s guide to understanding a general list price:
https://funerals.org/wp-content/uploads/2016/05/gplguide.pdf
