Funeral and Burial Expenses
The average cost of funeral and burial services in Florida, including Orlando, is $6500. This price increases every year, and many citizens resort to the option of insuring for unexpected burial expenses. Insurers, in turn, offer citizens a suitable option for life or burial insurance, such that Orlando wrongful death relatives can receive compensation payments.
Funeral and Burial Expenses After an Accident
The average funeral cost in Florida will depend on what is done with the body of the deceased. The funeral and burial amount, which is $6500, does not include expenses for the headstone, cemetery, and casket. Funeral agencies provide a variety of services, including:
- direct cremation;
- immediate burial;
- cremation memorial;
- a full range of burial services.
Local funeral homes provide invoices to relatives of the deceased, which can be used to obtain compensation payments from insurance companies, including wrongful death claims in Orlando.
Funeral Rules
The Federal Trade Commission (FTC) has established uniform “Funeral Rules” that are enforceable in all states of the United States. All funeral homes nationwide use the following criteria to determine funeral and burial expenses after an accident.
- Price Formation. Funeral homes will invoice prices for burial and funeral arrangements (including by telephone). At the request of the person concerned, the funeral home provides a price list, which is valid on the day of application. The current price is also indicated on the Internet. Alternatively, information on the price list will be provided at the user’s personal request.
- Contracts. A contract contains a detailed list of fees required to bury the person.
An interested party can include not only a relative of the deceased but also his or her authorized representative, such as a lawyer.
How an Orlando Wrongful Death Lawyer Can Help You
In some cases, insurance companies do not meet their obligations related to burial expenses. Sometimes, insurers mislead relatives and pay low burial expenses or deny coverage altogether. Our attorneys help families by explaining their rights and obligations and helping to calculate damages in wrongful death claims. Every wrongful death claim involves force majeure. For example, a car accident or a man-made or natural disaster can result in the death of a person. Depending on the circumstances, an attorney will help the family of the deceased receive compensation payments not only from the insurance company but also from the Florida government authorities.
Government Funeral Assistance
The federal death benefit is $255. Not only is a relative of the deceased entitled to this amount but so is the person who performed the funeral, including an outside organization or other individual. For citizens between the ages of 50 and 80, there is a special procedure for Florida Funeral and Burial Insurance. This procedure pays a benefit of between $5,000-$10,000, with the insurer determining the individual’s status (“healthy” or “unhealthy”); the insured must pay $15-$160 per month. The amount of state funeral compensation for veterans is calculated according to separate laws passed by the federal authorities.
How to Get Burial Insurance in Florida
You can get insurance from both private and public insurance companies. For funeral arrangements and future expenses, a person can take out one of the available insurance options.
- Term insurance. Such insurance will cost less and is desirable for those under the age of 50. Term insurance has a finite term.
- Whole life insurance. Insurance is more expensive than term insurance and requires higher benefits on the certificate of insurance.
- Final insurance. In this case, the premium will be determined based on your healthy/unhealthy status.
If you are not sure which life insurance is right for you, ask our attorney for help in choosing the right coverage for your case.
Who Benefits from Death Benefits?
Many people work in potentially dangerous areas of life where wrongful death can occur. The most common beneficiaries of life insurance are the following:
- drivers of motor vehicles;
- combatants;
- bicyclists;
- motorcyclists;
- lifeguards;
- road workers;
- construction workers;
- residents living in areas with a high risk of natural disasters;
- women and men of pre-retirement and retirement age.
At the same time, Florida law does not prohibit other citizens from having insurance.
What Expenses Are Considered "Funeral" Costs?
The U.S. Funeral Regulations require funeral homes to develop a complete list of funeral and burial services. To determine funeral costs, funeral directors examine bills from which claims can be made against insurers. Standard funeral expenses are generally accepted to include:
- obtaining a death certificate;
- embalming the body;
- storing the deceased’s body in a refrigerator;
- cremation services.
Ordering a hearse and renting a plot in the cemetery or columbarium are additional services.
Time Limit to File a Wrongful Death Lawsuit in Florida
Florida has a standard rule for filing a wrongful death claim. The time limit for filing a claim is four years. However, in some cases, if a death is involved, the time limit can be increased by two years. We recommend that you contact our lawyer in a timely manner so that you don’t miss the deadline for filing a claim against the insurers.
Get a Free Consultation
Funeral costs are a significant burden on relatives. If you are asking, “How can I get compensation and funeral benefits?”, contact our attorney to get a free consultation. If necessary, you can provide a case, based on which the lawyer will conduct a preliminary calculation of compensation or benefits from the insurers or the authorities.
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