This package was complied utilizing materials provided by the National Funeral Directors Association (NFDA), the Cremation Association of North America (CANA), and the International Cemetery & Funeral Association (ICFA). As part of this cooperative effort among NFDA, CANA and ICFA, this crematory due-diligence package is available to members of each association. Funeral homes that use outside crematories are hiring third parties to provide an integral part of the services they have sold to a family. As such, the funeral home has a responsibility to the family to ensure that the crematory will carry out the cremation in a legal, professional and ethical manner. The best method to obtain these assurances, and to protect the funeral homes from liability in case of a problem at the crematory, is to carry out the four-step due-diligence process outlined below. By carefully following each of these four steps, a funeral home will undertake important steps to protect the cremation families it serves and to reduce its own potential liability. In addition, crematories that offer services to funeral homes should be prepared to respond to the information and document requests set forth in this package or risk losing the business of funeral homes. Funeral homes and crematories that have questions regarding this due-diligence package should feel free to contact their respective association for guidance.
Disclaimer
The steps outlined in this due-diligence packet attempt to cover all possible situations. As a result, many funeral homes might find that not all of the precautionary steps set forth in the packet need to be included in their review of third-party crematories. Each funeral home must decide for itself which steps in the due-diligence packet are appropriate for the protection of the funeral home and the consumers it serves.
Internal Due Diligence For Funeral Homes
Due diligence begins with a review of the funeral homes own internal procedures. Examine each of the following areas to ensure that the funeral home properly handles cremation cases internally.
Cremation Authorization Forms
Does your state have a cremation authorization law that dictates the disclosure that must be addressed on a cremation authorization form? If so make sure that the funeral home is utilizing a form that is in compliance with the requirements of the state. If your state does not have such a law, make sure you are using a cremation authorization form that requires, at a minimum, the authorizing agent to attest to each of the following items: the identity of the decedent after positive identification has been made by the authorizing agent or his/her representative–the identity of the authorizing agent and his/her legal authority for authorizing the cremation-authorization to remove and dispose of any medical devices implanted in the remains. Or a representation that no medical devices are present-permission to cremate the body and mechanically pulverize the cremated remains after a detailed explanation of the process has been provided to the authorizing agent-acknowledgement that the alternative container or casket will be cremated with the remains-specific instructions as to what disposition is to take place with any personal property (clothing, eyeglasses, jewelry) on the remains-specific instructions as to whom the cremated remains are to be delivered or, in the alternative, what other disposition of the cremated remains is to be made-certification as to the accuracy and truthfulness of all statements made in the authorization form and indemnification of the funeral home and crematory by the authorizing agent.
Identification Process
The funeral home must have in place an identification process that ensures that any body received by the funeral home has been positively identified by the authorizing agent or his/her representative. An identification tag or medallion should be affixed to the remains throughout the entire time the body is in the possession of the funeral home. The funeral home should have the crematory execute a receipt for the remains of the decedent at the time the remains are turned over to the crematory. When the funeral home receives the cremated remains back from the crematory, it must also maintain a strict identification process for the cremated remains. Identification should be attached to the urn or container holding the cremated remains and an identification tag should also be placed inside the urn or container. If there is more than one container holding the cremated remains, both containers should be similarly identified and each identification tag should reference the fact that the cremated remains are in two containers. Cremated remains should always be stored in a secure, enclosed area with a logbook showing when and from whom the funeral home received them and when and to whom the funeral home delivered them. If cremated remains are placed in a pendant or other piece of jewelry, or incorporated in some other fashion into an object, that object should be identified as holding or containing the cremated remains of the decedent until such time as the funeral home delivers it to the family.
Transportation
The funeral home should deliver the remains to the crematory using its own personnel. Funeral home personnel should confirm that the crematory operator has accepted the remains, that the crematory operator has been presented with the cremation authorization form and any necessary permits and authorization, and that the crematory operator has executed the receipt.
Handling Cremated Remains
When accepting cremated remains from the crematory, funeral home personnel should immediately inspect the urn or container to ensure that there is appropriate identification attached to the urn or container. Once the funeral home has taken possession of the cremated remains, it should only deliver the cremated remains to the recipient designated in the cremation authorization form. If the authorizing agent wishes to change the disposition or delivery instructions in the cremation authorization form, any such modification should be in writing, signed by the authorizing agent and delivered to funeral home personnel. Funeral homes should always obtain an executed receipt when turning over possession of the cremated remains to the authorizing agent or a designated third party.
Insurance Review
Funeral homes should periodically have their insurance agent review their professional liability (also known as “errors and omissions”) insurance to determine if it is at adequate levels and covers liabilities for independent contractors that the funeral home utilizes, such as a crematory. Funeral homes might also want to consider the purchase of an umbrella policy, which could cover in the event of a catastrophic court judgment against the funeral home.
Due-Diligence File
For every outside crematory the funeral home uses, the funeral home should have a “due-diligence” file. In that fact, the funeral home will place the documentation and reports that will be generated from following the other three steps outlined in this due-diligence package.
Crematory Records Request
One important aspect of due diligence is a review of the licenses and operational records of the crematory. A crematory should be willing to provide copies of its licenses and applicable operational records to each funeral home it serves. A refusal by the crematory to provide the records when requested should be regarded as a red flag to the funeral home. On page 39, the funeral home will find a records request that it should send to each crematory it uses. If the crematory does not send the requested records or makes an incomplete response, the funeral home should follow up with the crematory to obtain the records. Once the records are received review them to see that the crematory has proper authorization under state law, has trained its operators has adopted comprehensive operational procedures, maintained sufficient liability insurance, and utilizes appropriate authorization forms. If you see deficiency, raise it with the crematory and have it addressed to your satisfaction. If it is not, use another crematory. All records obtained from the crematory should be maintained in the due-diligence file that the funeral home keeps on each crematory. In the file, the funeral home should maintain a log showing, when the records were requested, received and reviewed and if any deficiencies were detected, when they were brought to the crematory’s attention and when the matter was resolved. The records request should be updated at least once a year.
Crematory Interview
The third step of crematory due diligence is to interview the management of the crematory to obtain information on its personnel facilities and operations. A list of sample interview questions has been prepared that probes each of these three areas. Funeral homes should feel free to supplement the questions with their own inquiries. Prior to conducting the interview, the funeral home should call for an appointment so that the crematory manager is available and has set aside sufficient time for the interview. Funeral home personnel conducting the interview should take written notes of the responses to the questions. IF any response is unsatisfactory or raises concerns, address it with the crematory manager immediately. For example, if the funeral home personnel believe that the crematory’s system for ensuring proper identification of a body is insufficient, discuss it with the crematory manager and obtain written assurances that your concerns will be addressed. If after returning to the funeral home and reviewing the responses to the question, the funeral home and reviewing the responses to the question, the funeral home still has concerns regarding the crematory, list those concerns in writing and send them to the crematory manager. In addition, if the funeral home believes it needs further information, send a written request to the crematory listing the follow-up questions. If the crematory does not respond in a timely manner, the funeral home can either contact crematory management again or decide not to use the crematory. Make sure that the cremation interview sheets with your written notes, any follow up inquires, and all responses from the crematory are maintained in the permanent due-diligence file on the crematory.
Crematory Inspection
The final step in the crematory due-diligence process is to conduct an unannounced inspection of the crematory during business hours. The unannounced inspection should be conducted at least once a year. If the crematory refuses to permit the inspection, it is strongly recommended that the funeral home switch its business to another crematory. Funeral home personnel conducting the inspection should use a checklist to document their findings. If any problems are observed during the inspection, funeral home personnel should note it on the checklist, raise those concerns in writing to the management of the crematory and make sure that the problem is remedied. A new checklist should be filled out for each inspection. As with all other documents, maintain a permanent copy of each Crematory Inspection Checklist in the crematory due-diligence file.
If you or a family member have any further questions or concerns with respect to cremation, cremation services, cremation costs or a direct cremation please feel free to contact Cremation Options toll free 24 hours daily at 1-877-989-9090.
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