If you would like to make preplanning arrangements with Joseph N. Garlick Funeral Home, we invite you to contact us by phone at 845-794-7474.
Preplanning has become an important part of estate planning, and a means of sparing your family the emotional stress of making decisions during a difficult time. It eliminates any doubts your loved ones may have had about your wishes. It gives you and your loved ones peace of mind knowing that you have spared them the added stress and worry about the expenses of the funeral.
SSI/Medicaid Irrevocable/With Guaranteed Pricing
Only SSI or Medicaid recipients, or applicants, can establish an irrevocable account. Applicants/Recipients of SSI/Medicaid who wish to pre-fund their funeral during the spend down process may set up one irrevocable burial trust inclusive of funeral service & merchandise with no dollar limit as long as the monies are put aside for legitimate funeral expenses. What makes the account irrevocable is the fact that consumers or the funeral director may not remove funds prior to the occurrence of death, but this fund can be transferred to another funeral in the state or out of state if the person moves. We guarantee that the interest generated in these accounts will cover any price increases that may happen over time if the funeral is prepaid in full. Should there be more money in the account than what is owed to the funeral home at the time of death, overages must be forwarded to the County or State agency that is responsible for caring and providing for the recipient and cannot be refunded to the family.
Revocable/With Guaranteed Pricing Excluding Cash Advances
You can still prepay your funeral even if you are not on Medicaid, using a more flexible account, which is a revocable trust account. This means that the consumer can remove funds at any time prior to death including the principal and interest or canceling the pre-need agreement without incurring a penalty. It works very similar to a savings account with your local bank except that the fund we use is New York State PrePlan which was a much higher interest rate. This account can be funded fully at the time you make arrangements or by using Select Pay it can be paid out over time. If the funeral is prepaid in full, our funeral home guarantees that the interest generated in the account will cover any price increases in our funeral home charges that may happen over time (excluding cash advances). Should there be more money in the account than what is owed to the funeral home at the time of death, any overage can then either be used for additional upgrades to the funeral or simply refunded to the recipient's estate, or family.
There is NO fee for pre-arrangement consultation and there will never be any pressure or obligation
We use New York State PrePlan for our pre-arrangement contracts.