Kramer Family Funeral Home
71 2nd Ave. S.E.
Helping Your Family Create Meaningful Funeral Services…
Death can be an overwhelming experience. Our dedicated staff will assist you with the necessary arrangements involved in planning a funeral. Our experience and attention to detail will help you through this difficult time.
Funerals are important rituals that help us face the death of someone close to us. They confirm the reality of death and serve as a focus to help us express our feelings of loss.
A funeral gives us the opportunity to remember the person who died and to say "goodbye."
A Meaningful Funeral Will….
1.) Brings together family and friends that will provide emotional support, compassion and comfort to the bereaved family.
2.) They help us express our grief in a safe setting.
3.) They let us share good memories,experiences, tributes and appreciation for the life of the deceased.
4.) They help us acknowledge the reality of death or to say goodbye, provides closure.
5.) They allow for the expression of faith.
6.) They provide us with a sense of continuity…that life goes on.
7.) They encourage our acceptance of loss and help us to heal.
Funerals are a "Celebration of Life" that a life
was lived, they provide opportunity for family, friends and the community to gather together and remember this individual. Virtually everyone who comforts family and friends at a visitation and attends a funeral experiences a profound sense of their importance and helpfulness.
More than endings, funerals are bridges of transition. A properly planned funeral service can help families and friends cope with the loss of a loved one. Whether you choose traditional or contemporary ceremony, a funeral provides a profound experience that ultimately aids in the grieving process.
As a family owned and operated funeral home, we pride ourselves in offering a final tribute that best fits the spiritual, emotional and economic needs of your family. Regardless of your service selected, you can expect personal service and attention to detail that will make your service a memorable and meaningful tribute.
There are three basic ingredients to the funeralization process. First of all a form of final disposition of the body must be decided upon. The second decision is the type of service desired, and the third decision is the type of merchandise needed to accommodate the service.
Pre-Planning is an Act of Love.
Caring for families is something we all do. Why not carry that process one step further by PrePlanning for your final arrangements? This act of love will be appreciated far more than you will ever know. It will help alleviate the concerns that will arise for your loved ones at time of need.
Let us share with you six reasons why preplanning is so important!
1.) Informed decisions are easier to make under less stressful conditions.
2.) It assures that your wishes will be carried out.
3.) Difficult financial burdens are eased through thoughtful pre-need planning.
4.) There are countless other difficult duties that demand immediate attention on the day of bereavement.
5.) It eliminates desperate haste and unchangeable decisions.
6.) It eliminates wrong decisions by well-meaning “friends and relatives.”
There are many reasons to pre-plan your funeral, non more important that your family. By pre-planning, you spare your family difficult decisions at a difficult time. They will not have to search for records, insurance policies, addresses and other important items. You will also eliminate their doubts. Wondering what you would have wanted is an added burden for your family members who already dealing with grief from their loss. These are only a fraction of the reasons you may want to pre-plan your cremation or funeral services.
There are two options available for pre-financing a Cremation-Funeral Service.
1.) Bank Trust Accounts: All funds received by the funeral home are placed in a 100% trust through a local bank in a certificate of deposit. All interest accumulates to the account until drawn out with a certified copy of the death certificate.
2.) Funeral Insurance: Also 100% trusted, this vehicle is an insurance policy or an annuity. There are several insurance companies that offer funeral insurance plans. These plans allow the beneficiary to use the policy proceeds to pay for funeral expenses at the time of need. This plan would be the recommended method if you wanted to avoid taxable interest.
If is often necessary to place a person on medical assistance as his or her assists dwindle. When funds are depleting, a spend-down of remaining assets begins in a an effort to qualify for financial assistance. An acceptable spend-down is a funeral pre-paid agreement. In this situation certain spending limits are required and a Kramer Family Funeral Home staff person can advise you on the ways to place funds in trust and qualify for medical assistance.
We can set up an online memorial for your loved one. Our online memorials provide information for guests about the funeral services and also provide a tribute to your loved one. Guests will be able to gain information about dates, times and locations of funeral services. Guests will also be able to order flowers, make donations and sign a guest book through the memorial. The family will have access to the memorial to add photos to create a photo gallery for their loved one. By providing information to guests about services, our online memorials help lessen the load on a family during a difficult time. The memorials also serve to pay tribute to your family's loved one.
We will prepare an obituary to be published for your loved one.
The Veteran's Administration may have benefits available for honorably discharged veterans that our funeral homes can assist you with. Feel free to call our office and we will be honored to guide you through the process.
A lump-sum death benefit of $255 may be paid upon the death of a person who has worked long enough to be insured under the Social Security program. The lump-sum death benefit can be paid upon the death of the insured person even if they were not receiving retirement or disability benefits at the time of death.
This payment is limited to a spouse who was living with the worker at the time of death or to a spouse or a child who, in the month of death, is eligible for a Social Security benefit based on the worker's record. If no spouse or child meeting these requirements exists, then the lump sum death payment will not be paid.
The lump sum death payment can no longer be paid to funeral homes for funeral expenses.
We will help you in obtaining a death certificate which can be important for insurance purposes as well a host of other issues.
Sometimes the loss of a loved one can be especially painful. We understand that the grieving process does not end with the funeral. We are here not only to help arrange the funeral, but to help families cope with the loss of their loved one. There are a wide variety of grief resources available and we will help to point you in the right direction and begin the healing process.