Making Funeral Arrangements in Illinois

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In Illinois, you may name the person who will carry out your funeral arrangements. You can also provide detailed instructions about your final wishes and set aside funds to cover your funeral expenses, including the costs of burial or cremation.

Who Has the Right to Make Funeral Arrangements in Illinois?

Illinois law determines who can make decisions about funerals and body disposition -- that is, burial or cremation -- after someone dies. This right and responsibility goes to the following people, in order:

  • a person you name in your will, prepaid funeral or burial contract, health care power of attorney, cremation authorization form, or other form that satisfies the requirements of Illinois law (755 ILCS 65/40)
  • the executor or legal representative of your estate
  • your surviving spouse
  • your adult child, or a majority of your children if you have more than one
  • your parents
  • your next of kin
  • a designated public official, or
  • any person willing to take on the legal and financial responsibility.

(755 ILCS 65/5.)

Creating your own form. To make a document appointing someone to carry out your final wishes, you must write down what you want, then sign and date your document in front of a notary public. The representative you name must sign the form before taking action under it. (755 ILCS 65/10.)

You can find the official Illinois “Appointment of Agent to Control Disposition of Remains” form here: 755 ILCS 65/10. You may also make up your own form, as long as the language you use is substantially the same as the statutory form.

Using a health care power of attorney. One smart way to name your representative is to make a durable power of attorney for health care. In your document, you can give your health care agent explicit power to carry out your final arrangements. (You must make this authority clear in your power of attorney document; otherwise your agent’s decision-making power ends upon your death.) This saves the trouble of making separate documents for health care decisions and final wishes.

For information about making a power of attorney, see Illinois Living Wills and Durable Powers of Attorney for Health Care.

If you’re in the military. If you serve in the military, you may name the person who will carry out your final wishes in the Record of Emergency Data provided by the Department of Defense.

Who Pays for Funeral Costs in Illinois?

The most recent statistics from the National Funeral Directors Association put the average cost of a funeral at more than $7,000. This figure doesn’t cover many common expenses such as cemetery costs, markers, flowers, or obituaries. For many people, after a house and a car, funeral goods and services are the most expensive thing they’ll ever buy. It’s wise to make a plan to pay for these costs.

You have two basic options for covering your funeral expenses, including the costs of burial or cremation. You can:

  • pay in advance, or
  • leave enough money for your survivors to pay the bills.

If you don’t do either of these things, your survivors must cover the costs of your funeral arrangements. (755 ILCS 65/5.)

Paying in advance. If you want to pay for your funeral arrangements ahead of time, make sure you’re dealing with a reputable funeral establishment and clearly document any plans you make, so your survivors can easily carry them out. Though the law requires providers of funeral goods and services to carefully manage your funds (see the Illinois Funeral or Burial Funds Act), abuses do happen. What’s more, if a funeral establishment goes out of business, your careful planning may be lost.

For more information about setting up an account to cover the costs of your final arrangements, see Payable-on-Death (POD) Accounts: The Basics.

Setting aside funds. The safest and easiest way to cover the costs of your final arrangements is to estimate costs and tuck away the funds in an easily accessible, interest-earning bank account. You can designate a beneficiary who can claim the funds immediately after your death. Make sure the beneficiary understands what the money is for, however, and that you trust him or her completely, because the beneficiary is under no legal obligation to use the funds for your final arrangements.

For more information about setting up an account to cover the costs of your final arrangements, see Payable-on-Death (POD) Accounts: The Basics.

Writing Down Your Funeral Plans

Beyond simply naming a representative to carry out your final plans, letting your survivors know what kind of funeral arrangements you want -- including your wishes for ceremonies and whether you want to be buried or cremated -- will save them the difficulty of making these decisions during an emotional and stressful time. You can include your detailed final wishes with the written declaration that names your representative.

If you wish to be cremated, be aware that the official Illinois declaration form asks you to state whether or not certain of your survivors have the option of canceling your cremation and selecting an alternative arrangement, if they deem other plans to be more appropriate. (755 ILCS 65/10.) Because this provision exists in the law, if you feel strongly that you want to be cremated even if your survivors object, you should be clear about that when you write down your wishes.

Nolo offers several tools to help you document your wishes for final arrangements. Each one walks you step-by-step through the process, so you won’t miss any important issues.

  • Quicken WillMaker Plus can create a final arrangements document for you. The software program asks you questions about your wishes and then produces a detailed document you can give to others. You can use the program to make your health care power of attorney, too.
  • Get It Together: Organize Your Records So Your Family Won't Have To, by Melanie Cullen with Shae Irving, is a workbook that provides a complete system for documenting information for your executor and family members, including your wishes for final arrangements.
  • Nolo’s Final Arrangements Kit includes all the basic forms and instructions you need to document your final wishes.

Where to Store Your Funeral Plans

While there are many ways to write down your wishes for final arrangements and make them clear, here’s a firm piece of advice to follow: Don’t put them in your will. Your will may not be read until weeks after your death -- far too late to help your survivors. It’s better to prepare a separate document.

Store your final arrangements paperwork in a safe place and be sure your loved ones know where to look when the time comes. It may be helpful to make copies and tell them where to find the originals when they’re needed. If you do so, be sure to keep a list of everyone with copies, in case you need to get them back and change them later.

by: , J.D.

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