Is a separated wife still responsible for funeral?
My brother died two months ago, leaving no estate and no insurance. He was still married but living apart. Would his wife be legally responsible for the funeral costs?
This question sounds simple, but it raises a number of issues that may complicate its answer.
Before providing services, most funeral homes will demand some assurance that they will be paid. For example, most will require the person who arranges the funeral to provide a "responsible party" who will be on the hook for paying the expenses upfront or within a specified period of time. So if a funeral home was involved in the services, first check to see whether someone has become legally obligated to pay under the terms of a contract.
Otherwise, funeral costs are typically paid out of an estate"”that is, the money and property the deceased person owned at death. While your brother may not have owned sizable bank or stock accounts, it would be unusual not to own any property of value. If no one else is legally obligated to pay, the funeral director or crematory operator may attempt to claim some portion of the value of the property he owned, but they would have to have their claim evaluated by a probate court, and might have to get in line behind other people or agencies who may take precedence, such as the IRS.
Finally, there are laws in some states that make a spouse at least partially responsible for funeral expenses in some cases. It can be difficult to find these laws, though, as they go by various names. The best place to start a search for them may be to contact the state department of consumer affairs. If your brother and his wife attained a legal separation"”that is, they filed for one in court"”then she would likely be exempt from paying under any such law.
A legally seperated wife is not responsible if she does not sign the itemized billing statement accepting such responsibility with the funeral home. In the case where there are no resources (estate or joint accounts), the methods of payment are cash, debit, credit , financed depending on the funeral home's methods of payment, or public funded services. The wife who is the next of kin has legal authority to approve the type of disposition such as cremation althought if she does not sign the contract for services provided by the funeral home, she's not responsible for paying the funeral expenses. Who am I, I am a Licensed Funeral Director-Embalmer and Associate Manager of HW OLDHAM FUNERAL HOME for 30 years and hope this comment of assistance to you. It is unfortunate if you've already paid the funeral expenses and seeking ways to reimburse the expenses you've invested in the final rites for your brother. You have my sincerest sympathy.
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