of insurance coverage; a few simple and perfectly natural questions put to the family while he is completing the vital statistics forms will serve to elicit all he needs to know. For example, “Occupation of the deceased?” “Shall we bill the insurance company directly?”
The undertaker knows, better than a schoolboy knows the standings of the major-league baseball teams, the death-benefit payments of every trade union in the community, the Social Security and workmen’s compensation scale of death benefits: Social Security payment, $255; if the deceased was a veteran, $300 more and free burial in a national cemetery; an additional funeral allowance of up to $5,000 under some state workers’ compensation laws if the death was occupationally connected; and so on and so on.
The undertaker has all the information he needs to proceed with the sale. The widow, for the first time in possession of a large amount of ready cash, is likely to welcome his suggestions. He is, after all, the expert, the one who knows how these things should be arranged, who will steer her through the unfamiliar routines and ceremonies ahead, who will see that all goes as it should.
At the lowest end of the scale is the old-age pensioner, most of whose savings have long since been spent. He is among the poorest of the poor. Nevertheless, most state and county welfare agencies permit him to have up to $2,500 in cash; in some states he may own a modest home as well, without jeopardizing his pension. The funeral director knows that under the law of virtually every state, the funeral bill is entitled to preference in payment as the first charge against the estate. There is every likelihood that the poor old chap will be sent out in high style unless his widow is a very, very cool customer indeed.
The situation that generally obtains in the funeral transaction was summed up by former Surrogate Court Judge Fowler of New York in passing upon the reasonableness of a bill which had come before him: “One of the practical difficulties in such proceedings is that contractsfor funerals are ordinarily made by persons differently situated. On the one side is generally a person greatly agitated or overwhelmed by vain regrets or deep sorrow, and on the other side persons whose business it is to minister to the dead for profit. One side is, therefore, often unbusiness-like, vague and forgetful, while the other is ordinarily alert, knowing and careful.”
There are people, however, who know their own minds perfectly well and who approach the purchase of a funeral much as they would any other transaction. They are, by the nature of things, very much in the minority. Most frequently they are not in the immediate family of the deceased but are friends or representatives of the family. Their experiences are interesting because to some extent they throw into relief the irrational quality of the funeral transaction.
In 1961 Mr. Rufus Rhoades, a retired manufacturer of San Rafael, California, was charged with arranging for the cremation of a ninety-two-year-old friend who died in a rest home. He telephoned the crematorium and was quoted the price of $75 for cremation, plus $15 for shipping the ashes to Santa Monica, where his friend’s family had cemetery space. He suggested hiring an ambulance to pick up the body, but this idea was quickly vetoed by the crematorium. He was told that he would have to deal through an undertaker, that the body could not be touched by anyone but a licensed funeral director, that a “container” would have to be provided. This he was unaware of; and no wonder, for these were “regulations” of the crematorium, not requirements of California law.
Mr. Rhoades looked in the San Rafael telephone directory and found five funeral establishments listed. He picked one at random, called, and was told that under no circumstances could price be discussed over the telephone, as it was “too private a matter”; that he should come down to the
The undertaker knows, better than a schoolboy knows the standings of the major-league baseball teams, the death-benefit payments of every trade union in the community, the Social Security and workmen’s compensation scale of death benefits: Social Security payment, $255; if the deceased was a veteran, $300 more and free burial in a national cemetery; an additional funeral allowance of up to $5,000 under some state workers’ compensation laws if the death was occupationally connected; and so on and so on.
The undertaker has all the information he needs to proceed with the sale. The widow, for the first time in possession of a large amount of ready cash, is likely to welcome his suggestions. He is, after all, the expert, the one who knows how these things should be arranged, who will steer her through the unfamiliar routines and ceremonies ahead, who will see that all goes as it should.
At the lowest end of the scale is the old-age pensioner, most of whose savings have long since been spent. He is among the poorest of the poor. Nevertheless, most state and county welfare agencies permit him to have up to $2,500 in cash; in some states he may own a modest home as well, without jeopardizing his pension. The funeral director knows that under the law of virtually every state, the funeral bill is entitled to preference in payment as the first charge against the estate. There is every likelihood that the poor old chap will be sent out in high style unless his widow is a very, very cool customer indeed.
The situation that generally obtains in the funeral transaction was summed up by former Surrogate Court Judge Fowler of New York in passing upon the reasonableness of a bill which had come before him: “One of the practical difficulties in such proceedings is that contractsfor funerals are ordinarily made by persons differently situated. On the one side is generally a person greatly agitated or overwhelmed by vain regrets or deep sorrow, and on the other side persons whose business it is to minister to the dead for profit. One side is, therefore, often unbusiness-like, vague and forgetful, while the other is ordinarily alert, knowing and careful.”
There are people, however, who know their own minds perfectly well and who approach the purchase of a funeral much as they would any other transaction. They are, by the nature of things, very much in the minority. Most frequently they are not in the immediate family of the deceased but are friends or representatives of the family. Their experiences are interesting because to some extent they throw into relief the irrational quality of the funeral transaction.
In 1961 Mr. Rufus Rhoades, a retired manufacturer of San Rafael, California, was charged with arranging for the cremation of a ninety-two-year-old friend who died in a rest home. He telephoned the crematorium and was quoted the price of $75 for cremation, plus $15 for shipping the ashes to Santa Monica, where his friend’s family had cemetery space. He suggested hiring an ambulance to pick up the body, but this idea was quickly vetoed by the crematorium. He was told that he would have to deal through an undertaker, that the body could not be touched by anyone but a licensed funeral director, that a “container” would have to be provided. This he was unaware of; and no wonder, for these were “regulations” of the crematorium, not requirements of California law.
Mr. Rhoades looked in the San Rafael telephone directory and found five funeral establishments listed. He picked one at random, called, and was told that under no circumstances could price be discussed over the telephone, as it was “too private a matter”; that he should come down to the
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