Mort Admin Exam 3

Question 1

funeral arrangements made in advance of need. It was started in 20’s or 30’s where it was sold out of barber shops.

Answer 1

PRE-NEED

Question 2

no provisions for funding or prepayment

Answer 2

PRE-PLANNED

Question 3

includes provisions for funding or prepayment

Answer 3

PRE-FUNDED

Question 4

PRE-NEED FUNERAL PROCEDURES REASONS:

Answer 4

Make individual wishes known to family
Make intelligent and informed decisions with less emotion
Relieve survivors of financial burden
Reduce personal assets for Medicaid eligibility
oAlso called spend down
oIncludes pre-funded arrangements
oExempt from personal assets

Question 5

TYPES OF PRE-NEED CONTRACTS:

Answer 5

REVOCABLE CONTRACT
IRRECOVABLE CONTRACT
GUARANTEED CONTRACT
NON-GUARANTEED CONTRACT

Question 6

contract which may be terminated by purchaser at any time prior to death of the beneficiary with a refund of monies paid on the contract as prescribed by state law.

Answer 6

REVOCABLE CONTRACT

Question 7

Contract cannot be terminated or cancelled prior to death of beneficiary.

Answer 7

IRRECOVABLE CONTRACT

Question 8

funeral home guarantees that services and merchandise will be provided at need for an amount not exceeding originally contract amount plus any accruals (interest); regardless of cost of providing services and merchandise upon death

Answer 8

GUARANTEED CONTRACT

Question 9

funeral home only agrees that amount pre-paid plus any accruals (interest) will be credited to balance due. Funeral price will be whatever current price is for services and merchandise at time of death

Answer 9

NON-GUARANTEED CONTRACT

Question 10

PRE-NEED ARRANGEMENT CONFERENCE:

Answer 10

Presentation and discussion of service and merchandise 
Use of pictures, catalogs and computers can be used for locations other than funeral home 
State and federal regulations 
Licensing laws 
Funeral service licensee 
Licensed insurance agent 
FTC funeral rule still applies
      o	Presentation of price list 
      o	Permission to embalm 
      o	Mandatory disclosures

Question 11

ALTERATION OF PRE-FUNDED CONTRACTS:

Answer 11

Minor changes in merchandise or services:
o No effect on guaranteed contract price
Major changes
o Voids a guaranteed contract
Unavailability of services or merchandise
Most allow substitution of similar or higher quality services or merchandise
i.e. – Mrs. Jones selects a 16 gauge steel protective casket. She does in 2020. Casket company supplying funeral home has closed. Funeral home con substitute another casket with similar characteristics and quality.

Question 12

WISHES OF DECEDENT –vs- WISHES OF FUNERAL PLANNER:

Answer 12

Legal effect or pre-funded contract once death has occurred
Most states allow spouse or next-of-kin to change or cancel pre-funded contract and purchase merchandise and service of their choice i.e. – decedent wanted a traditional funeral service. She purchased a complete pre-funded funeral contract. When she died her daughter selected direct cremation. Daughter was given remaining contract funds.
Disagreements among family members:
o Case may go to court and judge will consider wishes of decedent and also the effect(s) on surviving family members
o Rights and duties of spouse or next of kin
 Related to right and duty of final disposition
o Most survivors will honor wishes of decedent
o Not legally bound to in all states

Question 13

EFFECTS OF THIRD-PARTY BENEFICIARY CONTRACT:

Answer 13

Parents of a mentally impaired adult make pre-funded arrangements for a traditional funeral
service
Contract beneficiary is the mentally impaired adult
What will happen to this contract at time of death? Contract will be honored
Although contract was made by the child’s parents they are not the direct contract beneficiary upon the child’s death.

Question 14

Account established by one individual to be held for the benefit of another
Creates a fiduciary responsibility
As a method of payment of funeral expenses, money paid to a funeral home for future services is placed in an account with the funeral home as trustee for the benefit of another

Answer 14

TRUST ACCOUNT:

Question 15

TYPES OF TRUST ACCOUNTS:

Answer 15

INDIVIDUAL TRUST ACCOUNT
MASTER TRUST ACCOUNT
INSURANCE
SAVINGS/PASSBOOK ACCOUNT

Question 16

separate account for each pre-funded funeral arrangements

Answer 16

INDIVIDUAL TRUST ACCOUNT

Question 17

monies from all pre-funded arrangements placed in one account with individual record for each account. Provides a higher return on investment (interest) and is allowed by law.

Answer 17

MASTER TRUST ACCOUNT

Question 18

Similar to purchasing automobile or life insurance policy. It can be paid in full or monthly premiums may be allowed until the contract price is paid in full. It is typically funeral specific, with funeral home as beneficiary.

Answer 18

INSURANCE

Question 19

Similar to a trust account. The monies from all pre-funded arrangements are placed in one account and it draws interest. The interest pays inflationary increases in funeral prices.

Answer 19

SAVINGS/PASSBOOK ACCOUNT

Question 20

reduction of a dead human body to inorganic bone fragments by intense heat in a specifically designed retort or chamber

Answer 20

CREMATION

Question 21

furnace or retort for cremating dead human bodies. The facility which houses the cremation chamber

Answer 21

CREMATORY/CREMATORIUM

Question 22

burning chamber in a crematory made from refractory bricks

Answer 22

RETORT

Question 23

the bone fragments remaining after the cremation process. (Not ashes)

Answer 23

CREMATED REMAINS

Question 24

the mechanical device used to perform the actual cremation process

Answer 24

CREMATION CHAMBER

Question 25

the container required to transport the human remains to the crematory. It could be the casket used at the funeral or a special rigid leak resistant combustible box designed for cremation. The container will be destroyed during the cremation process.

Answer 25

CREMATION CONTAINER

Question 26

the final resting place for the cremated remains

Answer 26

FINAL DISPOSITION

Question 27

the body of deceased

Answer 27

HUMAN REMAINS

Question 28

Placing the cremated remains in an urn or other container in preparation for final disposition. Placing the urn or container in its final resting place.

Answer 28

INTURNMENT

Question 29

the reduction of the cremated remains to an unidentifiable consistency to facilitate inturnment and or to make the cremated remains acceptable for scattering. Depending on the pulverization devise used, very small bone fragments may or may not remain after processing.

Answer 29

PULVERATION PROCESS

Question 30

CREMATION STATISTICS:

Answer 30

National average about 34-35%, Increases each year

Highest rate in coastal and western states and Florida

Question 31

REASON FOR GROWTH:

Answer 31

Public acceptance and higher level of education
Relocation of elderly to the “sunbelt” states
Immigrants who prefer cremation

Question 32

ARRANGING FOR CREMATION: CONSIDERATIONS:

Answer 32

Removal of medical devices; it may explode and destroy the retort
      o	Electronic pacemaker
      o	Radioactive implants 
Positive identification of remains is “RECOMMENDED”
      o	By a family member 
      o	Signed affidavit 
      o	Prior to transporting to crematory
Adhere to families wishes 
Items to be removed or cremated
      o	Jewelry etc. 
Sign form listing items 
Adhere to state and local laws 
Cremation container 
Co-mingling remains 
Disposition of cremains

Question 33

FORMS:

Answer 33

Authorization and release forms
      o	Signed by person with right and duty of disposition 
      o	Informs family of cremation process 
      o	Protects funeral home and crematory
File death certificate 
Secure forms required by state law
      o	Cremation permit
      o	Disposition permit 
Texas requirements 
      o	Death certificate
      o	Burial transit permit 
      o	Cremation authorization form

Question 34

CREMATION CONTAINERS:

Answer 34

Transport decedent to crematory 
     o Casket
     o	Alternative container (fiberboard, wood, etc. 
 Environmentally safe and friendly 
 Cremator safe and friendly
For the cremated remains
     o Urn
     o	Temporary –vs- permanent
	Receipt for obtaining cremains
     o	State name of authorized individual
     o	During arrangement conference

Question 35

act of placing cremains in an urn. According to CANA (Cremation Association of North America) it is placing cremains in a niche or grave

Answer 35

INURNMENT

Question 36

CREMATION SERVICES:

Answer 36

Cremation is only a method of final disposition!!

Cremation has the most numerous service options available

Question 37

rites held at time of disposition of human remains with body present

Answer 37

TRADITIONAL

Question 38

service held with the final disposition of the cremated remains

Answer 38

GRAVESIDE

Question 39

with a procession from funeral service to the crematory

Answer 39

COMMITTAL AT CEMETERY

Question 40

as appropriate and allowed by law

Answer 40

SCATTERING CREMATED REMAINS

Question 41

body directly to crematory

Answer 41

DIRECT CREMATION

Question 42

family requests – no limits except law

Answer 42

OTHER ALTERNATIVES

Question 43

with or without cremains present. With or without funeral home personnel

Answer 43

MEMORIAL SERVICES

Question 44

appropriate and helpful acts of counseling or helping that comes after the funeral and final disposition. Also called Post Funeral Follow-Up.

Answer 44

AFTERCARE

Question 45

TYPES OF AFTERCARE

Answer 45

Family’s request
Contact by funeral home personnel (Funeral director who made & conducted funeral
arrangements or other trained individual
Formal or organized activities
Seminars
Grief support groups
Holiday activities

Question 46

AFTERCARE OPTIONAL SERVICE:

Answer 46

Not all funeral homes provide any type of aftercare services
Viewed by some as growth opportunity
Provides additional service to the family
Excellent word-of-mouth advertising
Logical extension of basic funeral home services
Captive audience
Family and other survivors
Opportunity to educate your community and general public
Purpose and value of modern funeral service