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Why Plan Ahead

Why Plan Ahead

There’s a lot that goes into planning a funeral, but making those arrangements beforehand gives you time to consider all of your options and make sure that you’re covering all of the necessary details. Still feeling unsure? Here are some of the most important reasons why planning ahead may be the best option.

It's Easy

Fill out a form or meet with a member of our staff to put your plan in place. Anyone can create a plan, at any stage in their life, and you always can make changes if you wish.



You Decide

Preplanning lets you create your own unique life celebration. Including your family in the planning process can help them feel connected to you both in life and in death, knowing that your arrangements reflect your desires.



Relieve Your Family’s Burden

Preplanning relieves your family of that burden and gives them more time and energy to focus on healing and remembrance.



You Can Prepay

Prepayment generally means that you save money by being protected from inflation and price changes. We deposit all prepayments into a trust fund where it remains until needed. Prepaying also provides peace of mind for your family, who won’t have to figure out your funeral expenses when the time comes. Here at Millspaugh Camerato Funeral Home we use Cooperative Funeral Fund, https://www.cooperativefuneralfund.com/



What If I Move?

We keep a record of your preplanned arrangements and any prepayments, and they’re easily transferable to any funeral home in the United States.



Where Do I Start?

First, check out our preplanning checklist to help you consider all your possibilities. Then you can preplan online using our form to create your personalized arrangements or you can schedule a time to meet with our staff to discuss your options and make a plan.



Special Considerations for Medicaid/SSI Applicants & Recipients

All citizens – regardless of income – are entitled to and deserving of both a proper funeral service and a burial with dignity and respect. In fact, federal and state laws support this guiding principle in a number of ways.

First, any person applying for Medicaid/SSI can set aside funds for the sole purpose of paying their funeral/burial expenses as part of the spend-down process to Medicaid/SSI eligibility. The funeral/burial funds set aside will not be counted as part of the individual's financial resources.

Second, New York State law requires that 100% of these funeral/burial funds be placed in an irrevocable trust account, making certain that they will be available when needed and used for no other purpose than what they were intended. A trust which is titled 'irrevocable' means that any refund or withdrawal, for any purpose, will and must legally be refused by the funeral director and/or funeral trust or financial institution.

Finally, the individual has the right to use any funeral home they choose. The funeral home selection may be changed at any time, for any reason.



Millspaugh Camerato Funeral Home
Phone: (518) 943-3240
139 Jefferson Heights, Catskill, NY 12414


© Millspaugh Camerato Funeral Home
Crafted with care by Frazer Consultants & TA