Pre-Need Services

At Ross’ Shalom Chapels we offer several different types of pre-arrangement programs.

THE SAPPHIRE PLAN:
Our three year Sapphire Plan provides you with a no-money down pre-arrangement which locks in the price for our services for a three year period. We will record all of your selections and the statistical information for your loved one, and you will know the price of the funeral you have selected. You can, at any time during this three year period, elect to pre-pay the funeral at the pre-arranged amount.

THE DIAMOND PLAN:
This is our prepaid plan for those who are NOT on Medicaid and those who do not anticipate going on Medicaid. Like the Sapphire Plan, we will record all of your selections and the statistical information for your loved one and you will know the price of the funeral you have selected. We will take your payment and deposit it with the New Jersey State Funeral Directors Choices Program in a Federally Insured account. We guarantee that when it comes time to use the pre-arrangement the funds held in the account will be sufficient to pay our charges. (Please note that our guarantee does not extend to third party charges including, but not limited to the Rabbi’s honorarium (where applicable), cost of certified copies of the death certificate, the cemetery charges, limousine rental and/or airline charges.) This plan can be canceled at any time and you will receive both the principal you deposited along with any interest earned.

THE RUBY PLAN:
For those anticipating participation in the Medicaid program, this is our best plan. Like the Diamond and Sapphire Plans we will record all of your selections and the statistical information for your loved one and you will know the price of the funeral. We will take your payment and deposit it with the New Jersey State Funeral Directors’ Choices Program in a Federally Insured account. We guarantee that when it comes time to use the pre-arrangement that the funds held in the account will be sufficient to pay our charges. (Please note that our guarantee does not extend to third party charges including, but not limited to the Rabbi’s honorarium (where applicable), cost of certified copies of the death certificate, the cemetery charges, limousine rental and/or airline charges.) This plan is also IRREVOCABLE, which means that it cannot be canceled but it is transferrable so it can be moved to another funeral home if you so choose.

Ross’ Shalom Chapels Difference.
When you make a pre-arrangement with us, we will enter it into our computer system and we will have access to the data anywhere we have a computer with an internet connection. So when you make a pre-arrangement with us, we can obtain your information even if it is after hours.

What If I Have An Existing Pre-Arrangement, Can I Transfer It To Ross’ Shalom Chapels? Yes!
Under state law (N.J.S.A. 45:7c) all pre-paid funeral arrangements must be revocable (unless the intended funeral recipient is on Medicaid or anticipates going on Medicaid within 6 months), and the funeral arrangements must be severable in all cases from the funding mechanism. Even if it is irrevocable it still must be transferrable under New Jersey law. This means that even if your loved one has a pre-arrangement at another funeral home you can still transfer the funds to a pre-arrangement at Ross’ Shalom Chapels. We will honor most pre- arrangements and in many cases you may be able to purchase additional items or upgrade selections at no additional cost due to our prices. We would be happy to review your pre-arrangement contract for you and let you know what we can do