05/25/2026
At Time of Need vs Advance of Need Arrangements
Let’s Talk About Disbursements
When we meet with families to make arrangements for a loved, we will discuss service details pertaining to the visitation, funeral, reception, cremation and cemetery. Depending on choices made, a number of topics are explored and are presented to the family. Given these activities are happening in real time, it’s easy to explain and itemize each aspect of the service. If the family would like to host a reception, catering requirements are discussed and a determination on how many to order for is decided on.
Disbursements are fees we collect on a family’s behalf which are paid to third parties. Obituaries which run in a local newspaper are an example of this. A list of standard disbursements is available at the bottom of this article.
When arrangements are made in advance of need, (preplanning), we also will discuss details of the service and present info on third party services. In some instances, certain items in the arrangements may be deferred. As an example, a family may opt to formalize funeral arrangements and prefund them, but may wish to defer decisions pertaining to cemetery arrangements. In this instance details of cemetery arrangements will be addressed later, perhaps at the time of need.
Most of the time, disbursements to third parties are typically deferred, as the prices which are charged by third parties can change over time as these are not under the control of the funeral home. In our obituary example above if an amount is collected in advance and the price doubles or triples over time, this would create a shortfall. For this reason, prefunding these items can be difficult.
When arranging services in advance and prefunding them, please also attach an itemized list of any disbursements which have not been paid for in advance to your paperwork. Add a note that they will need to be paid for at the time of need. This will help those who will tend these future wishes.
Standard Items or disbursements which are/can be deferred to a later date.
Flowers
Newspaper Notices
Clergy Fees
Musicians and Choir
Reception Room
Catering
Cemetery Details: Plot, Memorial, Opening and Closing Fees
These are some examples of disbursements, however, depending on the type and scope of the service provided, others may be applicable. If you wish to further discuss what types of disbursements would be needed for your service, please contact us; we would be happy to talk with you so that you ‘have a complete picture’ of what is needed. We will help you so that you have a comprehensive plan.
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