Category: Funeral Plan

Nom-035 and how to protect yourself with funeral expenses in San Luis Potosí
As a pattern. What are my obligations before Nom-035 in San Luis Potosi?
In order for companies to be more competitive – and comply with the law – they must offer a benefits package to their employees that includes medical expenses, funeral expenses, dental plan and other benefits.
NOM-035 in San Luis Potosí establishes guidelines for companies to identify and protect employees from stress.
This rule applies to all workers who are employed by a company in the national territory.
Many companies in our country are facing this situation, however, it is important to know about the obligations that the employer has to comply with at the time of death due to occupational hazards and how to prevent financial penalties for such events.
What does the law say about the death of a worker?
The Federal Labor Law establishes the following:
Article 500
When the risk results in the death or disappearance derived from a criminal act of the worker, the indemnity shall include:
- I. Two months’ salary for funeral expenses; and
- II. The payment of the amount fixed in article 502.
Article 501
They shall be entitled to compensation in cases of death or disappearance resulting from a criminal act:
- I. The widow or widower, children under eighteen years of age and those over this age if they have a disability of fifty percent or more, as well as children up to twenty-five years of age who are studying in any school of the national educational system; in no case will the investigation of economic dependence be carried out, given that these claimants have the presumption in their favor of economic dependence;
- II. The ascendants will concur with the persons mentioned in the previous section without the need to carry out an economic investigation, unless it is proven that they were not economically dependent on the worker;
- III. In the absence of a surviving spouse, the person with whom the worker lived as if he/she were his/her spouse during the five years immediately preceding his/her death, or with whom he/she had children, will concur with the persons indicated in the two previous fractions, without the need to make a financial investigation, provided that both had remained free of marriage during the cohabitation;
- IV. The persons who were economically dependent on the worker will concur with those who are contemplated in any of the hypotheses of the previous fractions, having to prove the economic dependency, and
- V.In the absence of the persons mentioned in the previous fractions, the Mexican Social Security Institute.
Article 502
In case of death or disappearance derived from a delinquent act of the worker, the indemnity corresponding to the persons referred to in the preceding article will be the amount equivalent to the amount of five thousand days of salary, without deducting the indemnity received by the worker during the time he/she was subject to the temporary disability regime.
How can we protect ourselves before the law in the event of a worker’s death?
If we do the numbers, the amount to be paid for indemnity is very high, but for this payment to proceed, the following must be taken into account: did the owner of the business affiliate the deceased employee with the IMSS?

If the answer is yes, the Social Security Law (article 53) mentions the following:
Article 53
The employer who has insured the workers in his service against occupational risks will be relieved, under the terms of this Law, from complying with the obligations regarding liability for this type of risks established in the Federal Labor Law.

This means that the Social Security Law relieves the employer of the aforementioned obligations set forth in the Federal Labor Law.

How much does it cost to protect funeral expenses for a worker in San Luis Potosi?
In Boinita we have a very attractive plan to protect all the workers of a company in funeral expenses that includes a wake service:
- Recovery of your loved one at the hospital or home in less than 45 minutes.
- A basic casket.
- Aesthetic preparation.
- Wake at the funeral home.
- Cafeteria service.
- Procession to the religious service.
- Legal advice and paperwork.
- The cortege to the cemetery where the service has been contracted.
Or the Single Cremation service which includes:
- Recovery of your loved one at the hospital or home in less than 45 minutes.
- Cremation.
- Procedures before the Civil Registry.
- Local taxes.
- VAT.
- Basic wooden urn.
- Delivery of the ballot box to your home.
The worker can be protected for funeral expenses starting at only $15 pesos per week.
If you need more information or a quote please call us at 4448470223 or email us at servicio@boinita.com.
At Boinita we can take care of the cremation of your loved one. Then, once we have returned the ashes to you, you can arrange a simple memorial service that is perfect for you and your family.
For more information about our service go to http://boinita.com
Boinita offers Single Cremation services without a Funeral Service, with a fixed price and 24-7 customer service. Boinita is located in the metropolitan areas of Aguascalientes, Cancun, Hermosillo, Merida and San Luis Potosi.
In Pet Cremation Services we are located in the cities of Aguascalientes, Cancun, Chihuahua, Ciudad Juarez, Leon, Merida, Puebla, San Luis Potosi, Tijuana and Toluca.
Is cremation cheaper than burial?
End-of-life planning is not easy. There are many factors to consider when making decisions for a loved one’s final arrangements. An important decision is the choice between burial or cremation. The difference between these two can be considerable.
In Mexico, the national average cost of cremation (with funeral) has risen sharply in the last five years. The most economical method is simple cremation, which takes place within hours of death without a traditional funeral service.
The average cost of burial can add up to more than $40,000 pesos. The total cost depends on the services and items selected for burial, including flowers, transportation and headstones. The coffins and the grave can cost thousands of pesos and constitute the major part of the funeral expenses.
Funeral services may include cremation in lieu of burial.
Choosing cremation does not preclude you from having a traditional funeral. After holding a traditional service, a family may choose to have their loved one cremated rather than buried in a cemetery. With the increase in rental caskets used for a funeral service accompanying a cremation, casket costs can be kept quite reasonable. Families may bury their loved one’s cremated remains in a cemetery at a later date or keep them at home.
There are additional costs and charges that you may encounter during the burial process with a funeral home and cemetery. These costs include: embalming, preparation of the body, caskets, crypts and/or funeral containers, graveside services, obituaries and headstones. While the funeral home is responsible for the deceased, casket, arrangements and services. Cemeteries manage their grounds, crypts, the opening and closing of the grave. Funeral homes and cemeteries are often separated.
Finding burial cost information online can be difficult.
End-of-life services can be costly for bereaved families who want to make the best decisions for their loved ones. Pricing information from traditional funeral homes and cemeteries is not always available. A visit to the funeral home and cemetery may be the only way to get an accurate quote. The costs of a full body burial can add up quickly, and more and more people are choosing simple cremation services and a celebration of life when the family chooses followed by burial, storage or scattering of cremated remains in a place that brings them peace.
Remember that Boinita is a Simple Cremation Service without a Funeral Service with the guarantee of the best price and service.
At Boinita we can take care of the cremation of your loved one. Then, once we have returned the ashes to you, you can arrange a simple memorial service that is perfect for you and your family.
For more information about our service go to http://boinita.com
Boinita offers Single Cremation services without a Funeral Service, with a fixed price and 24-7 customer service. Boinita is located in the metropolitan areas of Aguascalientes, Cancun, Hermosillo, Merida and San Luis Potosi.
In Pet Cremation Services we are located in the cities of Aguascalientes, Cancun, Chihuahua, Ciudad Juarez, Leon, Merida, Puebla, San Luis Potosi, Tijuana and Toluca.
Is it a good idea to pay for a funeral plan this 2020?
For those who wish to plan ahead, paying for a funeral plan can be an excellent way to ensure that you are financially prepared for the costs associated with burial and cremation services. While there are other alternatives, such as life insurance, or investing, we will explore them all below.
What is a funeral plan?
A funeral plan sets aside a funeral at today’s prices. With a funeral plan, you pay a pre-established amount of money to cover the cost of your future funeral services, the full amount of which is released at the time of your death to cover all agreed-upon expenses.
This protects the client from the annual price and fee increases we are currently seeing in the funeral industry. With the price of a funeral rising much faster than inflation, the average funeral is expected to be a financial hardship for many families.
What are the advantages of a funeral package?
In addition to setting aside your funeral at current prices, a funeral plan gives you greater control over the details of your funeral.
It also gives you the opportunity to choose your preferred funeral home, ensuring that your funeral is not in the hands of someone you have not directly approved.
What does a funeral plan usually include?
They usually do not cover all funeral costs, but most will include:
- Funeral home fees. This would generally include collecting the deceased, transporting them to the funeral, arranging the funeral service, paperwork, and basic care of the deceased (washing and dressing them, for example).
- The coffin. This could be a simple, inexpensive casket or a more elaborate wooden casket.
- Hearse or hearse. Basic plans will generally include the cost of hiring a hearse to take the deceased person to his or her funeral and to the cemetery or crematory. You may also be offered additional funeral cars or limousines for the family at an additional cost.
- The flowers, the cremation or burial.
- Administrative expenses. Most providers will charge an administrative fee for their work in setting up the plan.
- Cancellation fees. Some providers will charge you if you wish to cancel your funeral plan at a later date.
It is important to check the fine print of any funeral plan you purchase to make sure what is covered and what is not.
Because funeral plan providers cannot control all the costs involved in a funeral, your family may have to pay a little more when the time comes. But the plan must cover all or most of the services you will need.
How do funeral packages work?
You can purchase a funeral plan by paying in advance or in installments. The money goes into a fund with an insurance policy, which will be used to pay for the service when the time comes.
Depending on where you purchase your funeral plan, you may be asked to choose between different packages. A higher cost package could include more funeral cars, a more decorative casket and potentially more flexibility with the time and date of the funeral.
Can you pay for funerals monthly in advance?
A funeral service plan saves your family the stress of planning and paying for your funeral by arranging everything in advance.
Most pay-as-you-go funeral plans cost between $20,000 and $80,000 pesos on average, and cover any funeral costs that are under the provider’s control.
Questions to ask your funeral plan provider
If you are interested in purchasing a funeral plan, the questions you should ask a provider are:
- What costs are not included in my funeral plan?
- Is it possible to cancel or modify the plan if circumstances change?
- Is there a cancellation fee?
- What happens if there are outstanding payments at the time of death?
- Do I have to use a certain funeral company?
- Can the family make changes to the funeral if they wish?
- What happens if death occurs abroad?
- Is there a clear complaints procedure?
- What happens if the Funeral Home closes?
- If you wish to have the funeral in another state or municipality, is it possible?
What are the alternatives to a funeral package?
Insurance Policies
Advantages Life insurance policies.
Lifetime protection for age 50 and over will pay an agreed amount at the time of death. This means that it may go some way toward covering funeral costs, depending on how comprehensive your coverage is. It is often the best option because your family receives a larger amount than a funeral home package would cover.
Disadvantages Life insurance policies.
Funeral plans require you to pay a fixed amount, while life insurance requires a regular payment until the time of death. Depending on how long you live, there can be a big difference between these two figures.
Life insurance costs can also be extremely high if you have pre-existing health conditions, whereas this is irrelevant in a funeral plan.
Funeral plans also allow for much greater control and put all important decisions in your hands. With some insurance products, you may not even have a say in whether you want to be buried or cremated.
Savings and investment accounts
Most savings accounts do not generate much interest at this time, but you can always set aside a portion of your savings to pay for funeral expenses. Other alternatives, such as investing money, can help pay for funeral expenses.
Remember that Boinita is a Simple Cremation Service without a Funeral Service with the guarantee of the best price and service.
At Boinita we can take care of the cremation of your loved one. Then, once we have returned the ashes to you, you can arrange a simple memorial service that is perfect for you and your family.
For more information about our service go to http://boinita.com
Boinita offers Single Cremation services without a Funeral Service, with a fixed price and 24-7 customer service. Boinita is located in the metropolitan areas of Aguascalientes, Cancun, Hermosillo, Merida and San Luis Potosi.
In Pet Cremation Services we are located in the cities of Aguascalientes, Cancun, Chihuahua, Ciudad Juarez, Leon, Merida, Puebla, San Luis Potosi, Tijuana and Toluca.