Helping Families Through Difficult Times Since 1950
- Cremation service
The Gendernalik family offers a wide range of service's that allow families to remember their loved ones in unique and meaningful ways.
Contact us to get a brochure including information concerning what families need to know about funerals.
The Gendernalik family provides a wide range of cremation choices and alternative services. We offer an exceptional collection of urns and memorial keepsakes.
Here are the answers to the most commonly asked questions:
Pre-planning and pre-paying a funeral is a safe and secure way to plan for the eventual tomorrow. The knowledge that you took the time to take care of pre-planning may be one of the kindest gifts you can give your loved ones.
A person can pre-plan their own funeral. The family may also do it for a family member. The best way is to plan together.
Contact your local funeral home for details on setting up a prearrangement. The funeral director will assist you in selecting both services and merchandise that meet your budget and satisfaction. There are two ways to pre-pay a funeral contract. The first method is to make payment in full for all services and merchandise you have selected. The second is to make a down payment, and then, continue making payments toward the total cost of services in equal monthly installments.
The money is deposited in the MFDA Master Escrow Plan, a subsidiary of the Michigan Funeral Directors Association, which administers the plan. The association is located in Lansing, Michigan. You will receive a letter acknowledging the deposit of funds into the MFDA Master Escrow Plan. If you do not receive such a letter, notify the funeral director immediately.
The MFDA Master Escrow Plan is a master trust started by the Michigan Funeral Directors Association in July of 1987, for the use of the clients of its members. Michigan law requires that the funeral director place 100% of the prearranged funds in escrow. It is for this purpose that the MFDA Master Escrow Plan was established.
In 1880 the Michigan Funeral Directors Association was created by funeral directors to serve both funeral directors and the general public. Since that time, MFDA has grown to include over 85% of the licensed funeral homes in Michigan.
Immediately, the family should call the funeral home where pre-planning took place. They are available 24 hours a day, seven days a week. Even if death occurs away from the local area, the family should still call the funeral director back home. They will make the necessary professional contacts for you, including, if necessary, a funeral home in the location of the death. Although the funeral home will usually remember or know from their records, be sure to remind them that there is a prepaid funeral agreement.
If the contract is designated as a "guaranteed price agreement," it has been paid in full and there are no changes in the choice of services and merchandise, the answer is "no." If it is designated as a "non-guaranteed price agreement," the family will be responsible for any difference between the charges at the time of the funeral for goods and services rendered and the amount in the escrow account. If you are not sure which kind of agreement you have purchased, ask the person with whom you set up the agreement.
The contract can be canceled at any time for any reason and, by law, you are entitled to receive a minimum of a 90% refund of both your original payment and accumulated interest in your escrow account. Just notify the funeral director and he will be happy to make different arrangements or give you a refund within 30 days. (NOTE: Some contracts may be certified "irrevocable" by the Department of Social Services in order to allow a person to become eligible for Medicaid assistance. Irrevocable contracts cannot be canceled for any reason, although it is normally possible to transfer performance of the contract to another funeral home.)
Under rulings of the U.S. Internal Revenue Service, the owner (normally the purchaser) of the contract has the tax responsibility. Accordingly, you will have been asked to sign an IRS W-9 form. You will be mailed a statement each January setting out the amount of money you need to add to your taxable income. Normally, the resulting amount of tax is very small.
Contact the funeral home with which you have the prearrangement. Normally they can handle any questions or problems you might have. In the rare instance that you do not receive satisfactory assistance from your contact with the funeral home, you may contact the MFDA Master Escrow Plan at (517) 349-9565. However, it is usually more convenient for everyone if you contact the funeral home first.
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