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Oh Where is That Tombstone?

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The Missouri Attorney General has filed charges against seven monument companies and funeral homes, alleging the businesses took $800,000 from 500 citizens for goods and services never delivered. Just another reason to think twice about paying for your funeral before you're dead!

From the Kansas City Star, August 19, 2005

Missouri Headstone, Funeral Providers Sued
By This e-mail address is being protected from spambots. You need JavaScript enabled to view it , The Kansas City Star
Missouri Attorney General Jay Nixon has taken civil and criminal actions against seven merchants who sold cemetery headstones or pre-need funeral plans to consumers.

The charges, filed in circuit courts across the state, allege that about 500 Missourians paid more than $800,000 for services they didn’t get or that were less than promised.

Nixon filed four cases against monument companies, including one in Clay County, for headstones that weren’t delivered.

Nixon filed 10 felony counts of unlawful merchandising practices against Larry Keith Lawhon, who operates LL Monument Co. in Smithville. The charges in Clay County Circuit Court allege Lawhon’s business did not deliver headstones or provide refunds to consumers who paid thousands of dollars.

Neither Lawhon nor an official for his business were available for comment today. Nixon also filed civil charges against Heartland Monument Co. in Springfield and Jeffrey W. Thomure, of Manchester, who operates Standard Monument Co.

Nixon is seeking a civil injunction against Mike Graham and Associates, which operates Memorial Park Cemetery and Garden of Memories in Sikeston, Forest Hill Memorial Gardens in Morley, and Ozark Memorial Cemetery in Rolla. Nixon wants the company to refund $260,000 to more than 100 consumers.

Nixon filed three cases against pre-need funeral-plan companies — a $1.6 billion industry in Missouri.

“Consumers purchase pre-need funeral plans to have the assurance that these arrangements are paid for and taken care of ahead of time,” Nixon said.

He said in many cases payments were not put in required trust accounts, “but instead were diverted for other uses, leaving shortfalls to pay for the funerals when they are needed.”

Nixon criminally charged Jane Spencer Turner, who operates Spencer Funeral Homes in Salem and Bunker, and Donald E. Holt who operates Holt Funeral Home in Vandalia.

He filed a civil lawsuit against Eddie Swarnes of Swarnes Funeral Home in St. Louis.

To reach Paul Wenske, consumer affairs writer, call (816) 234-4454 or send e-mail to This e-mail address is being protected from spambots. You need JavaScript enabled to view it '; document.write( '' ); document.write( addy_text99648 ); document.write( '<\/a>' ); //--> This e-mail address is being protected from spambots. You need JavaScript enabled to view it .
Last Updated ( Wednesday, 30 January 2008 00:31 )

Tennessee Funeral Directors Try--But Fail--to Shut Down Competition

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Summer, 2005 --- The Spring, 2005 issue of the FCA Newsletter carried an article (see article below this one) about five bills backed by the Tennesee State Board of Embalmers and Funeral Directors, and the Tennessee Funeral Directors Association. The bills purported to better regulate funeral homes and crematories, but in reality, they would have done little to protect the consumer and a lot to protect the mortuary business. The worst of these, Senate Bill 102, would have raised the requirements for running a funeral home so much that smaller operators with lower prices and less capital would have been put out of business.
Last Updated ( Tuesday, 04 December 2007 16:06 ) Read more...

FCA Class Action Casket Suit Filed

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May 2, 2005

To download a .pdf file of the complaint, click here.

Funeral Consumers Alliance Files Class Action Lawsuit Against Funeral Conglomerates and Largest Casketmaker for Antitrust Violations
South Burlington, VT. - Funeral Consumers Alliance, Inc. (FCA), on behalf of its roughly 400,000 members and a nationwide class of consumers, has filed a lawsuit in federal court in California seeking to stop the country's three largest funeral homes chains and the nation's largest casketmaker from shutting out competition and fixing casket prices at artificially high levels. The suit has been filed against funeral conglomerates Service Corporation International, Alderwoods Group, Inc., Stewart Enterprises, Inc., and Batesville Casket Company. The suit seeks to prevent the defendants from boycotting independent casket discounters (ICDs), and from raising casket prices through price-fixing agreements.
Joining FCA in the suit are several individual consumer plaintiffs, who seek damages on behalf of all consumers who purchased Batesville caskets from the funeral home defendants.
"For years, funeral homes have conspired to artificially inflate casket prices," said Joshua Slocum, executive director of FCA. "We expect this lawsuit will put an end to these conspiracies, that it will bring free and fair competition to the casket market, and that consumers will be compensated for the damage this behavior has wrought."
FCA and the consumer plaintiffs allege the defendants and their co-conspirators have engaged in a group boycott to prevent ICDs from selling Batesville caskets and certain other brands. They also allege that as part of the boycott, the defendants have mounted a campaign of disparagement against ICDs and the caskets they sell. FCA believes this campaign has helped steer customers away from purchasing caskets from ICDs, and toward the artificially expensive Batesville brand of caskets the defendants sell. The plaintiffs further allege that the defendant funeral homes engaged in various forms of price coordination in further violation of state and federal competition laws. FCA alleges the defendants' conduct has suppressed competition in casket sales, which has cost families billions of dollars in overcharges.
If successful, the lawsuit will bring an end to these anti-competitive and anti-consumer practices so grieving families can enjoy substantially lower prices and greater choices for caskets. The lawsuit will also allow the consumer plaintiffs to recover the overcharges that consumers of Batesville caskets have been made to pay.
Constantine Cannon , an antitrust law firm with offices in New York and Washington, DC., is representing FCA and the consumer plaintiffs. The firm has extensive experience in antitrust litigation.
Funeral Consumers Alliance
FCA is the nation's oldest and largest funeral consumer education and advocacy organization. FCA comprises more than 100 affiliated consumer groups (often known as memorial societies) that provide families with information on funeral services and products. FCA groups have approximately 400,000 individual consumer members.
Last Updated ( Sunday, 24 August 2008 21:42 )

Casket Discrimination

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"Burial Only" . . ."Cremation Only"



Some funeral homes are wisely expanding their offerings to suit an increasingly choosy public. A certain segment, though, wants to have its cake and eat it too. These mortuaries offer choice in only one direction: up (in price). The latest incarnation of this is the shameful practice of applying a double standard to caskets. Here's a letter we received from a lady in Indiana:

I work in parish management and I am trying to develop some funeral alternatives for our parishioners. One of our parish families went to purchase a casket for burial and was told that they could not purchase a wooden cremation casket. There were forced to buy a "burial casket" that cost $1,500 [while] the cost of the cremation casket was $500. Was this legal? I know that there are air emission guidelines for cremation caskets but I did not think there were legal guidelines that would prevent the use of cremation caskets for burial.

This woman is more perceptive than many; she smelled something fishy. There are no laws anywhere in the country that prevent you from using a "cremation casket" for burial. We know of no laws anywhere that prescribe or prohibit any particular kind of casket for ground burial.

Most crematories, on the other hand, will not accept a metal casket because it can be difficult to burn, and it can cause damage to the retort (cremation chamber). If a family wants a casket (as opposed to a simple cardboard box) before cremation, most crematories require a casket of all-wood construction and a minimum of synthetic materials. The synthetic materials often used in "burial" caskets can release toxic gases as they melt, and can damage the crematory.

But there is no similar concern with cemeteries. It simply doesn't matter what type of box you use for burial. Why then would the funeral home tell this family they had to buy a "burial casket" just because the family wanted the body buried, not cremated? It seems to be greed, plain and simple, --- and here's where the double standard comes in. Funeral homes know that although some families will want to buy a more ornate casket even if there is to be a cremation, they'll balk at paying the grossly inflated "traditional" casket prices for a box "that will just get burned up anyway." So, the funeral homes stock a range of wood coffins suitable for cremation (many are quite attractive) and price them lower than they do their "burial caskets." Even though the mortuary may make a lower profit proportionally on these "cremation caskets," they're still making more money than they would if the family opted for a cheap cardboard "alternative container." But rest assured some funeral homes would have no qualms about selling you a $6,000 African Mahogany casket destined for cremation, and would probably compliment you on your "good taste."

The danger in offering these lower-priced caskets, from the undertaker's point of view, is that families just might buy them. And clearly, this family wanted to. Loath to lose the profit from a more costly "burial casket," the funeral home took advantage of this family by forcing them to buy a $1,500 casket under the false premise that only certain caskets are "suitable" for burial.

Our advice? If you wish to have a burial, and you see a casket that fits your taste and budget, insist on buying it. Let the funeral director know that you know there are no laws preventing you from using a "cremation casket" for burial, and that you don't intend to be put over a barrel. If the funeral director doesn't relent, tell him you'll find an outside casket seller. He can then choose between angering you and losing the casket sale completely, or treating your family with dignity and building good will for future business.

Maryland Mortuary Shopping

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A Stroll Down Mortuary Lane

by Nancy Herin, FCA of Maryland and Environs . This article is taken from her Winter 2005 Newsletter .
I am inviting you for a stroll down Maryland's Mortuary Lane to see for yourself the extent of industry compliance with the 20-year-old Funeral Rule. For a full appreciation, you must first review a few of the Rule's requirements, which, as you will see, aim to foster honest, accurate information during the funeral transaction. The intent here is to allow consumers to purchase that which they wish, without pressure to buy unwanted or unneeded goods or services.
Among other things, the Funeral Rule says:
  • At the beginning of a discussion about caskets-before showing them-a mortician must offer consumers a Casket Price List (CPL), which should contain the retail price and description of each regularly offered casket.
  • with viewing," a mortuary may consider embalming "necessary." Consumers may instead choose "an arrangement that does not require…[embalming], such as direct cremation or immediate burial."
  • Only one fee, the "Basic Services Fee," for basic mortuary staff services and overhead, is non-declinable; charging a second non-declinable fee violates the Rule.
  • The Rule prohibits morticians from claiming that funeral goods or services will "delay the natural decomposition of human remains for a long-term or indefinite time."

So join with me as I recount my recent visits to several funeral homes-all esteemed, upstanding pillars of their communities.
I approached each funeral director with the following question: Could you tell me what the costs would be for prepaying my funeral?

A Casket of Gold…
The first funeral director, chic and smartly dressed, began by handing me a General Price List (GPL) and stating: "I am required by law to give this to you." She answered a few preliminary questions, then placed before me a thick book of casket photos. (The Rule allows for caskets to be displayed in this way.) Here follows part of our exchange ("FD" stands for "funeral director"):

Me: Are the prices of all of the caskets in your book listed somewhere?

FD: Well, this is the entire Batesville (a casket manufacturer) collection. (She thumbs through the book.) Do you like pink? Look at this beautiful wood. The tones are rose and beige. Here's the one that Jacqueline Kennedy Onassis bought for her husband. Here's one in 24K gold… We only carry a selection. But of course I could order any of them for you.

Me: Which are the ones that you carry? What are their prices?

FD: I'm re-doing our Casket Price List. Let me get you a copy. I'll have to find one because I'm re-doing it…
She leaves for a few minutes, then returns with a Casket Price List (CPL).

Me: I'd be interested in something simple. What is your least expensive casket?

She thumbs through her book, and lands upon a cloth-covered casket. She shows it to me and grimaces.

FD: It's basically for immediate burials… where there's no service… you know, it's for the indigent.

Me: Actually, I like it. How much does it cost?

FD: Oh, around $600. (It is not listed on her CPL, but I see on her General Price List that caskets begin at $595.)
Comment: This mortician not only flunked her Funeral Rule exam-though she began correctly by handing me a General Price List (GPL)-but she also showed an abject disregard for my wishes. First, she tried to dissuade me from selecting the least expensive casket by stating that it is normally not used-which may be true if she tells this to everyone wanting to buy it. Second, she failed to list her $595 casket on her Casket Price List (CPL). Third, she violated the Rule by failing to show me her CPL before luring me to a casket of gold….

Embalm or Die!
I told the next funeral director that I wished an immediate burial, without a viewing or funeral service; after my burial, I explained, my relatives would hold a memorial service, which they would conduct on their own without a mortician. Here follows our conversation:
Me: Some funeral directors have told me that they don't normally do immediate burials…they said it's only for the impoverished. But an immediate burial is really what I'd like.

FD: Oh, that would be no problem.

Me: Wonderful. Just so I understand this…An immediate burial means I'd simply be buried…no funeral service, no viewing, no embalming.

FD: Yes…oh…umm…you would have to be embalmed.

Me: Really? Why is that? There's no viewing with an immediate burial.

FD: Well, you'd still have to be embalmed. A person deteriorates in 24 hours. Who knows what I could pick up from a deteriorating body…maybe AIDS.

Me: Couldn't I just be refrigerated?

FD: There's no law requiring embalming, but a funeral home can set its own rules. This is our rule. Embalming is required. Unless you choose cremation. Then you wouldn't have to be embalmed.

Me: But it says here on your General Price List that I could choose an arrangement like immediate burial which would not require me to pay for embalming.

FD: Well, I hate to say this, but a deteriorating body is like…well…it's like an animal …it has an odor….so you'd have to be embalmed. Of course you could always choose cremation….
Comment: Though this funeral director understood enough to admit that embalming is not required by law, she was flat-out wrong that "a funeral home can set its own rules." The Funeral Rule permits only one nondeclinable fee-the basic services fee--but she had a second, an embalming fee.

Assuming this mortician believed in protective qualities of embalming-and didn't insist on it purely for the profit--she was in sore need of enlightenment: Not only have pathogens causing smallpox, anthrax, tetanus, and AIDS been found in embalmed bodies, but embalming fluid may actually keep one fatal illness, Creutzfeldt-Jakob disease, alive! Naturally though with an attitude like hers it's no wonder that the U.S. has become the only nation where embalming is customary.

Beware the Backhoe!
I told the next funeral director that I wished an immediate burial.

Me: Some funeral directors have told me that an immediate burial is only for the indigent, others have said that I'd have to be embalmed. Would you be able to provide just a plain immediate burial?

FD: Yes.

Me: Wonderful. Just so I understand this… I'd simply be buried…no funeral service, no viewing, no embalming.

FD: Correct. Of course you had better check with the cemetery to be on the safe side because there's dangerous equipment at the gravesite…a backhoe…your family members could get hurt if they stood too close when your body is lowered into the grave.
Comment: Later that day I consulted a representative of a large, nearby cemetery, who looked at me in amazement when I asked about this. "Dangerous equipment? Well, yes, a backhoe is used to dig the grave-before anyone arrives-and to fill in the grave-after the burial."

Hail to the Wilbert!
I discussed with the next funeral director my choice of an outer burial container, an enforced box into which the coffin is placed to prevent the gravesite from sinking once decomposition sets in. Outer burial containers are of two types: a multi-piece concrete slab assembly, called a grave liner, and a one-piece vault. Both serve the same purpose, but the vault costs much more.

Me: I understand that most cemeteries require an outer burial container. I'd like to purchase the least expensive.

FD: Didn't you say you wanted a wood (as opposed to a metal) casket?

Me: Yes.

FD: Well, then, I'd strongly recommend that you purchase a steel vault.

Me: Why is that?

FD: (She shows me a mock-up of a vault on the wall behind her.) A vault doesn't just prevent the gravesite from sinking, it also…look, I'm a funeral director and see interments…and believe me, you'd really want a Wilbert (the name of the company which manufacturers the vault). It's the best. I saw a disinterment of a body after 20 years in a wooden casket inside a Wilbert. The seal has a shelf life of a billion years! And you wouldn't have to worry about it being hit by a backhoe which happens a lot.

Me: So you mean it's protective?

FD: (She smiles.) I'm not allowed to use that word. (She pauses.) You could purchase a grave liner instead. (She shows me a mock-up on the floor behind her.) But it can be cracked by a backhoe and gets full of mud and water. I wish I didn't have to sell grave liners. They're only for cemetery maintenance, not for aesthetics or anything else like the Wilbert.

Me: What is the difference in price?

FD: The Wilbert costs $1795, the grave liner, $595.
Comment: This funeral director was a superb saleswoman. Had I not known the ins-and-outs of outer burial containers and the Funeral Rule, I would have believed her-and spent nearly three times more than necessary! Her performance was stellar, particularly her crafty maneuver around the Funeral Rule, which forbids morticians from telling consumers that funeral goods will preserve or protect human remains.

The Risk of Liability-always a good excuse!
To return briefly to the first funeral director:

Me: I'd be interested in purchasing a lower priced cremation casket for burial.

FD: Oh, no. You couldn't do that.

Me: Why not?

FD: Because cemeteries wouldn't allow it. There's too great a risk of liability.

Comment: The cemetery representative whom I had consulted about the danger of a backhoe eyed me again with amazement: "Well, I don't know about other cemeteries, but we don't care what you're buried in! As far as we're concerned, you could be buried in nothing. Our only requirement is an outer burial container because it keeps the gravesite neat."

Don't Ask, Don't Tell…
Several funeral directors saw the following problem with immediate burial:
"Your family wouldn't know when your burial would take place because we'd take your body to the cemetery at our convenience…when we'd have free time…between arrangements…we wouldn't tell your family."

Too Much of a Good Thing…
Funeral directors with whom I spoke used every argument imaginable to stress the importance of identifying the body at the funeral home before cremation-even if an I.D. had already been made at the place of death. For sure, there's no disputing the fact that identification is necessary (and required by Maryland law). But as a friend once asked: "Does a body's identity change between the place of death and the funeral home?" Here follow several exchanges:

FD: Most people die at night…that's when we use a removal service-not a licensed mortician. So an official ID would have to be made at our funeral home.

Me: How about if I die during the day?

FD: Most people come to the funeral home to identify the body!

FD: We require a funeral home ID because…well…you must have heard what happened in Georgia!
Comment: The case in Noble, Georgia , of a crematory operator who tossed bodies onto his property instead of cremating them, had nothing to do with appropriate body identification.

FD: We require an ID in our funeral home because the crematory we use insists on it.

Comment: I phoned the crematory, and here's what transpired:

Me: I'm planning my funeral, and a funeral director told me that you'd require an ID at the funeral home even if my body had already been identified at the place of death. Is that correct?

Crematory Person: Each funeral home has its own regulations…identification must comply with state law…a body must be properly identified as in a hospital.

Me: Oh, so you mean, if my next-of-kin identified me at home, where I died, that wouldn't be a proper identification?

Crematory Person: No, I couldn't say that.
Finale: You might wonder the reason for such insistence on having a family member come to the funeral home for an identification. One theory is this: There's profit in it--perhaps the cost of a "nicer" cremation casket for the ID viewing; perhaps a charge to spruce up the appearance of the deceased; perhaps a fee to shelter remains if the visit to the funeral home will be delayed.

In case you think I made all this up, you're wrong. My imagination isn't so vivid. My ability lies in reporting facts, not inventing them. But I will say this: I'm grateful to the first mortician I called on, the one who set me straight: "I have to earn a living like anyone else!"


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