A prepaid funeral plan my wife and I put ten thousand into is where this starts.

I put on my funeral suit and walked through those front doors, past the refreshments and the tours and the pre-planning seminars for all the church seniors.

The young director saw me and his professional face flickered, because he knew what he had told me over my own wife.

I did not raise my voice. Not in a place like that. Not with my wife still waiting on a steel table because of him.

I had a folder, and I set it down gentle on the nearest table.

Inside was the contract. Paid in full, ten thousand dollars, signed years ago by my wife and me, so our children would never carry the cost.

And beside it was a letter. From the state board that oversees funeral homes.

You told me the new owners did not have to honor it, I said, so I asked the people whose whole job is to know, and it turns out the law does not care who owns the building, it cares who made the promise.

Here is the thing that young man had gambled I would never learn.

Prepaid funeral money is not his to keep or lose. In this state it is held in trust, protected by law, and the obligation follows the business no matter how many times it changes hands. When he told me the plan was no longer honored, he was not reading a transfer clause. He was lying to a grieving old man and hoping he was too broken to check.

I checked.

The board had already contacted him by the time I walked into that open house. The trust money was still there, right where the law said it had to be. Every dollar my wife and I set aside was accounted for.

He honored the plan. All of it. He did not have a choice, and the board made certain of it, and they opened a file on him besides, because a man who would try that once has surely tried it before.

My wife was laid to rest the way we planned it together, years ago, on a quiet afternoon with our children around her and not one bill for them to carry. She had a good stone, and the hymn she wanted, and every dignity that ten thousand honest dollars had bought.

That is all I wanted. Not a scene. Not revenge. Just to keep the promise she and I made, the one that young man tried to break.

I sat in on one of those pre-planning seminars a week later, with the other church seniors, and I told them, quiet and plain, to keep their papers and to know their rights, because a handshake is only as good as the law behind it, and the law was on our side the whole time.

Have a blessed day, I told that director, the day we buried her. She would have wanted me to mean it. So I tried.

Leave a Reply

Your email address will not be published. Required fields are marked *