Frequently Asked Questions
Get answers to common questions about funeral planning, cremation, burial, costs, and more. We are here to help Chattanooga families make informed decisions.
General Funeral Planning
What is the first thing I should do when someone dies?
If the death occurs at home, call 911 or the deceaseds physician. If in a hospital or care facility, staff will guide you. Once the death is pronounced, contact a funeral home to arrange transportation of the body.
How soon do I need to make funeral arrangements?
While there is no legal deadline, most families make arrangements within 24-48 hours. If cremation is chosen without embalming, arrangements should be made promptly. Funeral homes are available 24/7 to assist.
Can I plan a funeral without a funeral home?
In Tennessee, families can legally handle funeral arrangements themselves (home funerals). However, most families choose to work with a funeral home for professional assistance with legal requirements, transportation, and preparation.
What documents do I need to bring to the funeral home?
Bring the deceaseds ID, Social Security card, birth certificate, marriage certificate (if applicable), military discharge papers (DD-214 for veterans), insurance policies, and cemetery deed if pre-purchased.
Cremation
How much does cremation cost in Chattanooga?
Direct cremation in Chattanooga typically ranges from $695-$1,800. Cremation with a memorial service ranges from $2,000-$5,000. Prices vary by provider, so request itemized quotes from multiple funeral homes.
How long does the cremation process take?
The cremation itself takes 2-3 hours. However, the entire process from death to receiving cremated remains typically takes 3-7 days due to paperwork, permits, and scheduling.
Can I witness the cremation?
Some crematories allow witness cremations where family members can be present when the cremation begins. Ask your funeral home if this option is available.
What can I do with cremated remains?
Options include keeping remains in an urn at home, burial in a cemetery, placement in a columbarium niche, scattering in a meaningful location (following local laws), or creating memorial items like jewelry or diamonds.
Is embalming required for cremation?
No, embalming is not required for cremation in Tennessee. If there will be a public viewing before cremation, embalming or refrigeration may be recommended.
Traditional Burial
How much does a traditional funeral cost in Chattanooga?
A traditional funeral with burial in Chattanooga typically costs $7,500-$12,000 or more, including funeral home services, casket, burial vault, cemetery plot, and opening/closing of the grave.
Is embalming required by law?
Tennessee law does not require embalming. However, it may be required by the funeral home if there will be a public viewing, or if burial or cremation will not occur within a certain timeframe.
Do I have to buy a casket from the funeral home?
No. The FTC Funeral Rule allows you to purchase a casket from any source. Funeral homes cannot refuse to use a casket you purchased elsewhere or charge a handling fee.
What is a burial vault and is it required?
A burial vault or grave liner is a container that surrounds the casket in the ground. While not required by Tennessee law, most cemeteries require them to prevent ground settling.
Costs & Payment
What is the FTC Funeral Rule?
The FTC Funeral Rule requires funeral homes to provide itemized pricing, give price information over the phone, and allow you to choose only the services you want. You have the right to a General Price List.
Can I make payments on funeral costs?
Many funeral homes offer payment plans. Some accept credit cards, and there are third-party financing options available. Discuss payment options with your funeral home.
Does insurance cover funeral costs?
Life insurance proceeds can be used for funeral costs, though payment may take weeks. Some funeral homes accept assignment of insurance benefits. Burial/funeral insurance policies are designed specifically for this purpose.
What if I cannot afford a funeral?
Options include direct cremation (most affordable), county assistance programs for indigent families, crowdfunding, veterans benefits, and payment plans. Some funeral homes offer reduced-cost services.
Veterans
What funeral benefits are available for veterans?
Veterans may be eligible for burial allowances, free burial in national cemeteries, government headstones/markers, presidential memorial certificates, and military funeral honors including flag presentation and taps.
How do I arrange military funeral honors?
Contact your funeral home, who will coordinate with the appropriate military branch. You will need the veterans DD-214 discharge papers. All eligible veterans are entitled to at least a two-person honor guard.
Can a veteran be buried at Chattanooga National Cemetery?
Chattanooga National Cemetery is closed to new interments except for veterans already buried there and their eligible family members. Georgia National Cemetery near Canton, GA accepts new burials.
Pre-Planning
What are the benefits of pre-planning a funeral?
Pre-planning reduces stress on your family, ensures your wishes are known, can lock in current prices if you pre-pay, and allows you to make decisions without time pressure.
Is pre-paying for a funeral a good idea?
Pre-paying can protect against price increases and ensure funds are available. However, understand the terms carefully, including what happens if you move or change your mind, and how funds are protected.
Can I transfer a pre-paid funeral plan to another funeral home?
This depends on your contract. Some plans are transferable while others are not. Ask about transferability before signing any pre-need agreement.
Still Have Questions?
Browse our comprehensive resources or contact a local funeral home for personalized assistance.