Why this decision matters now
Families are typically asked to make disposition decisions within 24–72 hours of death, before the body can be transported or preparations made. If you haven't documented your wishes, the decision falls entirely to whoever has legal authority — which may or may not be the person who best knows what you would have wanted.
In most states, the next of kin (in a defined legal order: spouse, then adult children, then parents, and so on) has the legal right to decide. If family members disagree, the resolution can be painful and even litigious. A written statement of your wishes, communicated in advance, resolves this before it becomes a crisis.
Your will is read too late
Don't put your disposition wishes only in your will. Wills are often not read until days or weeks after death — after the body has already been handled. Document your wishes in a letter of instruction, a pre-need funeral contract, or Closing Notes, and tell the people who will be making decisions where to find it.
Traditional burial
Full burial — embalming, a casket, and interment in a cemetery — remains the most common form of disposition in the United States, though cremation has overtaken it in many states.
What it involves: The body is prepared by a funeral home (typically including embalming if there is an open casket service), placed in a casket, and buried in a cemetery plot. A grave marker or monument is placed afterward.
Typical costs: Traditional burial costs range from $7,000–$12,000 on average, though costs vary widely by region and funeral home. This includes the funeral home services, casket, and burial — but not the cemetery plot (which can range from $1,000 to $5,000+ depending on location), grave marker, or opening and closing fees charged by the cemetery.
Embalming: Embalming is not legally required in most circumstances, though funeral homes may require it for certain services (like an open-casket service delayed more than 24 hours). The FTC Funeral Rule prohibits funeral homes from claiming embalming is legally required when it is not.
What to decide in advance: Cemetery plot location, whether you want embalming, casket preferences, and whether you want a viewing or graveside service only.
Cremation
Cremation has become the majority choice in the United States. It is less expensive, allows more flexibility in timing (no urgency for a service), and offers more options for final disposition of the remains.
What it involves: The body is placed in a cremation container (not required to be a casket) and reduced to bone fragments (commonly called ashes or cremains) at high heat. The process takes 2–3 hours. Remains are returned in a temporary container or an urn of your choice.
Typical costs: Direct cremation (without a funeral service) ranges from $700–$2,500. Cremation with a memorial service and viewing adds cost for the funeral home's services and facilities. A full-service funeral followed by cremation can cost $4,000–$8,000.
Options for the ashes:
- Burial: Ashes can be buried in a cemetery (in an urn), often in a smaller plot or a columbarium niche, at lower cost than full burial
- Scattering: Legal restrictions vary by location. Scattering at sea requires following EPA guidelines (at least 3 nautical miles offshore). Scattering on private land requires landowner permission. Many national parks have a permit process
- Home: Keeping ashes at home in an urn is legal and common
- Memorial products: Some services compress ashes into diamonds, incorporate them into glass, or press them into vinyl records — a growing niche
Green and natural burial
Green burial (also called natural burial) is a growing option for those who want minimal environmental impact. It avoids embalming (which uses formaldehyde) and uses biodegradable containers instead of sealed caskets.
What it involves: The body is wrapped in a shroud or placed in a biodegradable container (wood, wicker, cardboard) and buried directly in the earth without a concrete vault. The grave is typically marked with a natural stone or GPS coordinates rather than a traditional headstone. The body decomposes naturally and returns to the soil.
Where to find green cemeteries: The Green Burial Council (greenburialcouncil.org) maintains a directory of certified green burial providers and cemeteries.
Costs: Comparable to or less than traditional burial when embalming and an expensive casket are removed from the equation. Green cemetery plots vary widely in cost.
Human composting: Several states (including Washington, Colorado, Oregon, and Vermont) now allow natural organic reduction — a process that converts remains to soil in 4–8 weeks. This is distinct from green burial but shares the same environmental philosophy. Costs are typically $3,000–$7,000.
Body and organ donation
Organ donation: Organ and tissue donation after death can save or improve the lives of multiple people. Registering as an organ donor through your state's DMV or donor registry is the most reliable way to ensure your wishes are honored. Tell your family as well — family objection can complicate donation even if you're registered.
Organ donation is compatible with most funeral arrangements, including an open casket, because donation is surgical and the body is treated with care. Donation does not delay final disposition significantly.
Whole body donation: Some people choose to donate their entire body to a medical school or body broker for anatomical study and medical education. After use, the institution typically cremates the remains and returns them to the family (at no cost to the family in most programs). This eliminates funeral costs entirely, though it removes control over timing — you cannot have a traditional viewing if the body is donated.
Research programs carefully. Medical schools have rigorous standards; private body brokers (used for non-medical purposes) are less regulated. The National Funeral Directors Association provides guidance on evaluating programs.
Pre-planning with a funeral home
You can pre-arrange your funeral in advance — specifying exactly what you want, paying for it now, and locking in today's prices. See our full guide to pre-need funeral contracts for details on what's included, how funds are protected, and what to watch out for.
How to document your wishes
Once you've decided what you want, document it in a way that the right people will find at the right time:
- Letter of instruction: A plain-language document addressed to your family outlining your wishes — see our Letter of Instruction guide
- Pre-need funeral contract: A binding agreement with a funeral home, prepaid
- Closing Notes: Includes a section for final wishes and disposition preferences
- Tell people in person: Documentation is only useful if people know where to find it. Tell your family, your executor, and anyone who might be making decisions