RE: [odspfireside: 48238 ] Funeral Covered by ODSP?
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Deborah Masters nee Alexander
Sep 4, 2012, 7:37:25 PM9/4/12
to odspfi...@googlegroups.com
Hi Sarah: So sorry for your loss and the undue hardship. Good luck with your pregnancy
Date: Tue, 4 Sep 2012 09:43:42 -0700
From: sarah....@gmail.com
To: odspfi...@googlegroups.com
Subject: [odspfireside: 48238 ] Funeral Covered by ODSP?
After a year and a half of being denied ODSP, my husband was finally accepted. Now almost 2 years later he has passed away. I was told by our funeral home that you can apply to ODSP to cover funeral costs.
See Yah, So Long,
DEB
DEB
Date: Tue, 4 Sep 2012 09:43:42 -0700
From: sarah....@gmail.com
To: odspfi...@googlegroups.com
Subject: [odspfireside: 48238 ] Funeral Covered by ODSP?
After a year and a half of being denied ODSP, my husband was finally accepted. Now almost 2 years later he has passed away. I was told by our funeral home that you can apply to ODSP to cover funeral costs.
Mike Girdlestone
Sep 9, 2012, 3:04:54 AM9/9/12
to odspfi...@googlegroups.com
Here is the basic scuttlebutt about ODSP and funerals. They do cover the basic funeral costs: simple chapel service, one visitation, no wake/reception, rented casket (yes, you read that right, casket are now rented out and reused), cremation but no urn just a Styrofoam box, if you choose burial, it will be a simple plot with only a numbered marker, no headstone. Also, no musician(s), you have to provide all your own cds or tapes, bulletins etc. Hell, some pets get more respect when they die! Furthermore, if you have any life insurance, or anyone has life insurance on you ODSP WILL NOT PAY FOR FUNERAL COSTS AT ALL! However, Sarah, if your in laws are the beneficiaries of the policy shouldn't they be paying the bills for his funeral? After all, it was their son and they are being awarded the money. Go to your local legal clinic and talk to a lawyer about this for you should have to bare the burdens of the funeral when they got the proceeds of the policy. Let me know how this goes.
On Tue, Sep 4, 2012 at 12:43 PM, Sarah85 <sarah....@gmail.com> wrote:
After a year and a half of being denied ODSP, my husband was finally accepted. Now almost 2 years later he has passed away. I was told by our funeral home that you can apply to ODSP to cover funeral costs. Before being told this, we went the cheap route with everything because to be honest, even on ODSP and my working, we have been living pay cheque to pay cheque and have been unable to save any money in the event of an emergency.
My husbands parents on the other hand took a life insurance policy out on their son. But and here is the biggest issue. We haven't been on speaking terms with his parents in almost a year. But because of this insurance policy, ODSP denied coverage of the funeral. Told me that I could appeal the decision, but since his parents are most likely to attend (not pay for) the funeral we would be unlikely to win any appeal.
So because of the tiny amount of money that we received while on ODSP, I am unable to keep the apartment that we shared because I can't afford it with the amount of money that I make, and even if I applied for OW, I still wouldn't be able to afford a place to live in my area. I'm also expecting our first child, so money is even tighter with trying to buy all the necessities for a baby.
Basically my question is this, has anyone had any experience with applying for funeral coverage, and if they had to appeal the decision (if they were denied,) did you win? This is honestly the most stressful time of my life, and trying to stay calm because of the pregnancy is getting harder and harder to do.
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Paul
Sep 9, 2012, 1:29:34 PM9/9/12
to odspfi...@googlegroups.com
At 03:04 AM 9/9/2012, you wrote:
Here is the basic scuttlebutt about ODSP and funerals. They do cover the basic funeral costs: simple chapel service, one visitation, no wake/reception, rented casket (yes, you read that right, casket are now rented out and reused), cremation but no urn just a Styrofoam box, if you choose burial, it will be a simple plot with only a numbered marker, no headstone. Also, no musician(s), you have to provide all your own cds or tapes, bulletins etc. Hell, some pets get more respect when they die! Furthermore, if you have any life insurance, or anyone has life insurance on you ODSP WILL NOT PAY FOR FUNERAL COSTS AT ALL! However, Sarah, if your in laws are the beneficiaries of the policy shouldn't they be paying the bills for his funeral? After all, it was their son and they are being awarded the money. Go to your local legal clinic and talk to a lawyer about this for you should have to bare the burdens of the funeral when they got the proceeds of the policy. Let me know how this goes.
mpst...@gmail.com
Can you imagine cracking the styrofoam box carrying it?
The weight of a body would drop through Styrofoam due to 'dead weight' of anything.
Sorry, no pun there. Ever carry a 200lb rock in a Styrofoam cooler?
The weight of a body would drop through Styrofoam due to 'dead weight' of anything.
Sorry, no pun there. Ever carry a 200lb rock in a Styrofoam cooler?
Lorene
Sep 9, 2012, 9:53:29 PM9/9/12
to ODSP Fireside
I had my husband cremated 11 and half years ago. The Discretionary
Benefits, not the ODSP, pay the funeral expenses. I had to sign a
bunch of paperwork while at the Discretionary Benefits dept before the
funeral details can be completed. I had a receipt from the funeral
home and it says something like $2300 plus for the funeral, 1
visitation or wake, cremation, minister and no burial plot. You also
get a small number of print out of cards with the deceased name,
dates, etc, register book for visitors to sign. It was put in a nice
white pouch along with a pen with the name of the funeral home and
they gave it to me. It was a cheap and no frills funeral. I was not
too thrilled how cheap it was. Lunch was at my place with bunch of
relatives afterwards. It was a very nice and mild day with almost no
snow on the ground of the funeral. The next day, we got hit by a huge
snowstorm.
Few months later on, I had my husband's ashes in the urn buried in a
cemetary plot where his parents, older brother, older sister and
brother in law are buried. It was my choice to have him buried there.
His family (his 6 siblings) were grateful I did that. One of my
husband's sisters did the work for me by calling the minister. The
minister said she would pass it onto the members or directors whatever
to see what they say. The minister called back and said yes my husband
can be allowed to be buried on their church grounds. It costed me a
further $1100 to bury him plus pay the minister for a short service.
Oh yeah almost forgot - a marker for his grave too. I took $1100 out
of my husband's RRSP that he left for me as his beneficiary. My
brother in law (my husband's brother) did it all for me as he lived
closer where he lived and not where I live in London. He just recently
passed away couple months ago and is buried in the same cemetary too.
It was a good deal as my husband was from the small community/village
where he grew up, baptized and confirmed in the church where the
cemetary is beside it.
I just recently found out my recently deceased brother in law took out
Purple Shield. There was some conditions attached that it would not be
payable towards his funeral expenses under 5 years. He took out the
policy about couple years ago. He had it insured $150,000 and was
making payments $300 per month. I am thinking that is steep and how
can he afford it to do that? He was on ODSP. He was separated from his
wife. She is on ODSP herself and living in a different place in
another town not far from her husband's place. So his wife and the 2
daughters did not get the whole $150,000, only a measly $3500 from
Purple Sheild. The wife had no idea that her ex husband took out
Purple Sheild til days before he passed away when he told her. I am
scratching my head about that. His funeral was $5500. The ex-wife is
responsible paying it along with ex husband's debts from credit cards
because it was in her name too. She is in shock about that.
I have no worries with my funeral as it is all prepaid now. I have
bought a plot with a marker. The service will be done in the chapel
and the cemetary is just outside the chapel. I want visitation and
burial all in the same day for simple reason I have a lot of relatives
in the Peterborough and Walkerton area. It is so far to travel long
distance, especially if I should die in the winter months where the
weather is so bad. (I should know as my dad died in the month of
January and the weather was so bad with roads closing, storms around
us. That was back in 1994). That is why I want it done all one day and
get it over with and let everyone go back home safely. My mom is with
me on it as we are sharing funeral expenses between us. It is much
cheaper and you get a discount for 2 or more people sharing the
expenses. We will be buried side by side. I will not be at my
husband's side as it is a bit too far away where he is buried. I never
grew up in the same village as he did, so I don't know it very well.
Lorene
Benefits, not the ODSP, pay the funeral expenses. I had to sign a
bunch of paperwork while at the Discretionary Benefits dept before the
funeral details can be completed. I had a receipt from the funeral
home and it says something like $2300 plus for the funeral, 1
visitation or wake, cremation, minister and no burial plot. You also
get a small number of print out of cards with the deceased name,
dates, etc, register book for visitors to sign. It was put in a nice
white pouch along with a pen with the name of the funeral home and
they gave it to me. It was a cheap and no frills funeral. I was not
too thrilled how cheap it was. Lunch was at my place with bunch of
relatives afterwards. It was a very nice and mild day with almost no
snow on the ground of the funeral. The next day, we got hit by a huge
snowstorm.
Few months later on, I had my husband's ashes in the urn buried in a
cemetary plot where his parents, older brother, older sister and
brother in law are buried. It was my choice to have him buried there.
His family (his 6 siblings) were grateful I did that. One of my
husband's sisters did the work for me by calling the minister. The
minister said she would pass it onto the members or directors whatever
to see what they say. The minister called back and said yes my husband
can be allowed to be buried on their church grounds. It costed me a
further $1100 to bury him plus pay the minister for a short service.
Oh yeah almost forgot - a marker for his grave too. I took $1100 out
of my husband's RRSP that he left for me as his beneficiary. My
brother in law (my husband's brother) did it all for me as he lived
closer where he lived and not where I live in London. He just recently
passed away couple months ago and is buried in the same cemetary too.
It was a good deal as my husband was from the small community/village
where he grew up, baptized and confirmed in the church where the
cemetary is beside it.
I just recently found out my recently deceased brother in law took out
Purple Shield. There was some conditions attached that it would not be
payable towards his funeral expenses under 5 years. He took out the
policy about couple years ago. He had it insured $150,000 and was
making payments $300 per month. I am thinking that is steep and how
can he afford it to do that? He was on ODSP. He was separated from his
wife. She is on ODSP herself and living in a different place in
another town not far from her husband's place. So his wife and the 2
daughters did not get the whole $150,000, only a measly $3500 from
Purple Sheild. The wife had no idea that her ex husband took out
Purple Sheild til days before he passed away when he told her. I am
scratching my head about that. His funeral was $5500. The ex-wife is
responsible paying it along with ex husband's debts from credit cards
because it was in her name too. She is in shock about that.
I have no worries with my funeral as it is all prepaid now. I have
bought a plot with a marker. The service will be done in the chapel
and the cemetary is just outside the chapel. I want visitation and
burial all in the same day for simple reason I have a lot of relatives
in the Peterborough and Walkerton area. It is so far to travel long
distance, especially if I should die in the winter months where the
weather is so bad. (I should know as my dad died in the month of
January and the weather was so bad with roads closing, storms around
us. That was back in 1994). That is why I want it done all one day and
get it over with and let everyone go back home safely. My mom is with
me on it as we are sharing funeral expenses between us. It is much
cheaper and you get a discount for 2 or more people sharing the
expenses. We will be buried side by side. I will not be at my
husband's side as it is a bit too far away where he is buried. I never
grew up in the same village as he did, so I don't know it very well.
Lorene
Mike Girdlestone
Sep 10, 2012, 12:13:33 AM9/10/12
to odspfi...@googlegroups.com
No Paul, there don't put your dead body in a Styrofoam box just the ashes after cremation. If you're buried all that goes into the ground is a bodybag with you in it. That's the ODSP funeral plan. Pretty fancy eh? 
mpstone33
mpstone33
Bloggy.Deb
Sep 10, 2012, 5:45:22 PM9/10/12
to odspfi...@googlegroups.com
I cannot talk to your experiences, but I can directly speak to the recent passing of my son who was receiving ODSP. His expenses were covered by the city of T.O. NOT ODSP.
The casket was very nice, I did have to pay for the cremation urn. The service was covered, but by our choice- we did a lot of it ourselves, the memorial cards etc. But they treated us very respectfully and went out of their way for us. We had any sized room we desired. At no time did I feel that they treated him any different than a person who had insurance.
Regards
Bloggy Deb
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