About time to sort out my will, no major changes just updating. To reduce the burden on my successors when the time comes I’ve been thinking I should be deciding what I want done and then seeing how planning and paying can be done in advance. I think this should be included in the will.
I can’t think of any downsides, financial or otherwise, to doing this.
Does anyone know something I don’t know? (On this subject)
And no worries, I am not on death’s door, nor do I foresee visiting Exit anytime soon.
Oh, and does anyone know a checklist, or similar, of what needs doing when a Swiss citizen passes when resident here?
They will also organise everything, paperwork, etc, when the time comes.
A good way too to ensure things are done 'your way' - I mean, I know I won't be there, but I'd hate the thought of an expensive coffin in precious wood from Amazonia and expensive silk liner + gold handles. What a waste. I want a simple local spruce coffin, lined with hessian or coton, and same wood handles- and no fuss- and NO marble anywhere + simple burial. My family knows, but even better if it is clear with the funeral people too.
I would check with your Gemeinde first. When my mum died here in 2015, the Gemeinde paid for the cremation (or burial) and a basic but decent urn or coffin. Would only have been much extra if I'd chosen a really posh hardwood/silk type coffin. Just bear in mind that your burial plot isn't yours ad infinitum; they usually clear them after 20 years or so.
The Gemeinde should also tell you exactly what to do - I seem to recall they had a checklist.
The place to start is your municipality, to ask them what is compulsory, what they do and don't offer, and what their standards are for any extras you may choose, provided by them or by an outside supplier. They might even be able to give you a list of those.
In some cases, the fees are very low for cremation and a standard, no-frills urn. They have other fees for burial in a coffin. Once you know that base-line, you'll be able to decide what you'd like to add.
Another joy of living in a rural village- plenty of space at the cemetary, so no one is going to be dug up for a very long time.
Oh I do wish though that we had natural burial grounds here- must discuss with the Council and with the local funeral director. In the UK we had one near us in the countryside- you paid for the plot, and had to have a simple burial, simple non varnished local wood, wicker or cardboard- and then plant one single native tree on the plot after burial. When all plots taken- the forest is left to grow. Great idea.
I really fancy one of those wonderful woven wicker coffins they sell in UK- perhaps I should bring one back next time we go, it would look lovely tied to the top of the car, don't you think.
Been involved with several funerals here and in all cases the local Gemeinde covered the basic costs.
You might want to consider whether to spring for a meal and drinks. Once went to an Irish funeral where so many drinks were available one mourner fell into the grave, the biggest problem was finding people fit enough to help him out.
You can of course organise the 'wake' at a local café/restaurant and pre order the catering and drinks- and the music too. Also need to decide if you want a religious ceremony, or a celebrant, humanist or otherwise- and choose them yourself. Or if you want a quick and simple cremation and a 'celebration' of life at a later stage, as quite common in Switzerland now. Main thing is to talk to close family, so that they know what you want. My big bro has chosen the music for the non-religious memorial party in his honour, and who should speak and asked their permission to name them. His funeral costs will be paid by the succession- not all C/Kantons pay for basic funeral, unless pauper.
Been over that discussion with my older bother in his 80s- as I had no idea if he wanted cremation or burial, or, etc, etc. All noted now, so he trusts me to do as he wishes, as and when. A sense of humour helps too.
The clearer it is from you, the easiest for loved ones. Doesn't always work sadly. When my cousin was dying, he told his daughters he wanted to be cremated. He was very clear about this, even though he is Catholic. His sister insisted that he could not be cremated, as a Catholic, and there was a massive row. Daughters of my cousin stood their ground and respected their father's wishes- his sister has never talked to them again! Rare, I hope.
Actually, I don't think that the Will/Testament is the right place for these arrangements. The Will is about leaving one's estate to heirs, and I think - but you'd best check on this - that in Switzerland it ought not to include details of funerals. These two things are separate.
Arrangements are totally separate. But if you don't choose to pay in advance- you can make it clear in your will that funeral expenses are paid out of estate, in your will.
In a previous life, I worked with one of the UK's largest funeral plan providers. A prepaid and preplanned funeral is a great idea (and usually works out as good value, especially if you buy it sooner rather than later.)
I did tons of research into the market, people's perceptions, the buying process etc. And one thing was very clear...
Do. Not. Rely. On. Putting. Funeral. Wishes. In. Your. Will.
Remember, the will is traditionally only opened and read only AFTER the funeral.
We heard hundreds of stories where people's relatives had struggled through their grief and loss to organise and pay for something they thought their loved one would have liked - only to find that all the details (including hymns, and who NOT to invite!) were in the will all along. And had not been followed...
You don't have to prepay and have a funeral plan. But you can plan what you want and how it will be paid for, and put it in writing. Then tell several family members where they can find those instructions "when the time comes".