Compend- FTC
Commission
"___________________" refers to the Federal Trade Commission
DISCLAIMER OF WARRANTIES THE FUNERAL HOME MAKES NO REPRESENTATION.....
****This is question 67. I apologize, but this one involved a ridiculously long answer.*** I hope your studying is going well!! :)
Persons
Any individual, partnership, corporation, association, government or governmental subdivision or agency or other entity
Cash advance item
Any item of service or merchandise described to a purchaser as an "accommodation," "cash disbursement," or similar term
Crematory
Any person, partnership or corporation that performs cremation and sells funeral goods
Funeral provider
Any person, partnership or corporation that sells or offers to sell funeral goods and funeral services to the public
Funeral services
Any service which may be used to: 1. Care for and prepare deceased human bodies for burial, cremation or other final disposition 2. Arrange, supervise or conduct the funeral ceremony or the final disposition of deceased human bodies
Yes
Are funeral homes permitted under the FTC funeral rule to package different items together at a discount as an incentive for consumers to purchase more? Yes or No
Yes
Are there some states that require funeral homes to guarantee pre-need prices? Yes or No
Non-declinable service fee
Basic service is the only fee which the consumer cannot decline. Funeral provider should recover expenses for services, facilities or unallocated overhead in this charge
Memorial service
Ceremony commemorating the deceased without the body present
Graveside service
Ceremony commemoration the deceased at place of final disposition
Casket handaling fee
Charge, fee or surcharge applied to consumers who purchase their casket elsewhere (from a source other than the price list/funeral provider)
No
College Funeral Home does 300 funerals each year. The business is split 50/50 between traditional full adult funerals with embalming, dressing, cosmetizing, and casketing. The other half is cremation with a typical ID viewing in an alternative container suitable for cremation. Is it permitted under the funeral rule for College F.H. to have a burial casket price list and a separate cremation casket and container price list? Yes or No
Telephone price disclosure
Funeral provider must give consumers who call accurate information from the price list and answer questions about offerings and process with readily available information
Refrigeration
If ________________ is available, you as a FD may be required to take more steps to contact the family and to obtain embalming authorization than if it is not available
Yes
If a FD marks up cash advance items or receives a commission, rebate or discount which is not passed on to the consumer, is it a violation of the funeral rule to represent to the consumer that the charge represents the same amount that the funeral home paid for these items? Yes or No
Yes
If a family is using the services of a competing funeral home but wishes to purchase a casket or urn from your establishment, may you refuse to provide that service? Yes or No
Yes
If a funeral home chooses to serve a particular group which has a tradition of holding boisterous and unruly visitations (tailgate parties in the funeral home parking lot, etc) may that funeral home ask for a cleaning deposit in advance? Yes or No
No
If a funeral home does not know the cost of a cash advance, may it leave the item blank on the statement of funeral goods and services selected until the exact price is known? Yes or No
1, 2, 3, 4 and 5
If a funeral home is located in a State that requires the FD to guarantee the pre-need funeral arrangement- it would be less risky for the FD to recommend that the family purchase an insurance policy. Which of the following types of insurance policies would be good for the purpose of being sure that the money is available to pay for the final disposition of the deceased loved one? 1- Term insurance 2- Whole life coverage 3- Universal life coverage 4- Limited-pay 5- Endowments
No
If a funeral home offers packages, does the funeral rule require the funeral home to itemize each of the components of the package on the statement of funeral goods and services selected? Yes or No
No
If a funeral home offers packages, must they be on the GPL? Yes or No
No
If a funeral home uses a computer software program to list the outer burial containers which is sells, does it still need to have a printer Outer Burial Container Price List? Yes or No
Estimate the cost of the cash advance item
If the FTC funeral rule will not allow the amount of a cash advance item to be left blank on the statement of funeral goods and services selected, what should the FD do?
No
If the body is to be embalmed, may the funeral home have a separate fee for bathing and disinfecting? Yes or No
Not charge for embalming
If you have obtained verbal permission to embalm and the family subsequently chooses a service which does not require embalming, you will ___________________________________.
Yes
In calculating the discounts for a package, does the funeral rule prohibit a funeral home from discounting the basic service fee? Yes or No
Exigent circumstances
Situation requiring immediate action or urgency
Mandatory disclosures
Statements required by the FTC which cannot be modified or edited and must appear in a clear and conspicuous manner
No
The Crane Funeral Home offers a variety of funeral programs; color, black and white, oversized large prints, tri-fold, etc. These are general sold in lots of 50 or 100 and the price varies with the quality of paper and style of printing. Must the Crane boys list these programs on their GPL? Yes or No
One year
The FD is required by the funeral rule to retain all price lists for a _____________ period from the date the price lists were last distributed.
A. (Mail their price lists or post them online)
The FTC funeral rule requires the FD's to do of all of the following except: A. Mail their price lists or post them online B. Give you price information on the telephone if you ask for it C. Require that you give them your name, address, to telephone number first D. None of these
No
The Johnson family owns two funeral homes. One is in the older part if the city and was started by their grandfather 60 years ago. The other is only 5 years old and located in one of the newer suburbs. They are both incorporated under the same corporation document and all of the stock is owned by members of the same family. Must they use the same GPL with the same prices at both locations? Yes or No
No
The Johnson funeral home offers video services: DVD tribute; video recording of the funeral; audio recordings of the funeral; CD of the funeral service; etc. Must these special services be listed on the GPL? Yes or No
Services of funeral goods and services
The basic services, not to be included in prices of other categories in Section 453.2(b)(4), that are furnished by a funeral provider in arranging any funeral, such as conducting the arrangements conference, planning the funeral, obtaining necessary permits, and placing obituary notice.
Express
The family must give _______________ approval for embalming before it can be done. Except in certain special circumstances.
Funeral goods
The goods which are sold or offered for sale directly to the public for use in connection with funeral services
C. (Both a and b)
Which of the following are types of packages that a funeral might offer on certain portions of the arrangements? A. Automotive or transportation package B. Visitation and Funeral package C. Both a and b D. None
C. (Both a and b could be charged)
Which of the following is a fee that a funeral home could charge? A. Insurance processing fee B. Estate claims fee C. Both a and b could be charged D. Neither
D. (All of these would be a violation)
Which of the following would be a violation of the funeral rule if the FD did not give full disclosure to the family? A. Receives a commission on cash advance item B. Receives a rebate or discount on a cash advance item C. Marks-up a cash advance item D. All of these would be a violation
Free
None of the 16 items required by the rule to be separately itemized on the GPL can be listed as "free" or "no charge". Items not required by the rule can be listed as _____________.
Yes- But NOT in the Mandatory Disclosure
On its GPL, may a funeral home use the term "basic cremation" instead of "direct cremation" or the term "simple burial" instead of "immediate burial"? Yes or No
Receiving remains
One of the categories required to be itemized on the GPL (if the funeral provider offers the service). This involves services of the funeral provider after another firm at the locale of death has provided initial service. Funeral rule requires package pricing of this service with a description of the components included
Forwarding of remains
One of the categories required to be itemized on the GPL; this involves services of the funeral provider in the locale where death occurs and preparation for transfer to another funeral provider.
Yes
Other than the 16 goods and services which must appear on the GPL, may a funeral home give other items away for free? Yes or No
Yes
Paul Johnson wants to do away with the Casket price list and outer burial container price list by listing all of his caskets and outer burial containers on his GPL. Is this permissible under the FTC Funeral Rule? Yes or No
Alternative price lists
Price lists which may be prepared for use in certain limited situations such as children/infants, for government agencies to provide for indigent persons
Outer burial container price list
Printed or typewritten list of outer burial containers normally offered for sale by the funeral provider which do not require special ordering
Casket price list
Printed or typewritten list of the casket and alternative containers normally offered for sale by the funeral provider which do not require special ordering
Outer burial container
Any container which is designed for placement in the grave around the casket including, but not limited to, a container commonly known as burial vaults, grave boxes and grave liners
Immediate burial
A disposition of human remains by burial, without formal viewing, visitation or ceremony with the body present, except for a graveside service.
Direct cremation
A disposition of human remains by cremation, without formal viewing, visitation or ceremony with the body present
Cremation
A heating process which incinerates human remains
General price list
A printed or typewritten list of goods and services offered for sale by a funeral provider with retail prices
Casket
A rigid container which is designed for the encasement of human remains and which is usually constructed of wood, metal, fiberglass, plastic or like material
Funeral ceremony
A service commemorating the deceased with the body present
Exigent circumstances
A situation which might allow the funeral provider to embalm without permission provided he or she has done due diligence
FTC
An agency of the federal government created in 1914 to promote free and fair competition by prevention of trade restraints, price fixing, false advertising and other unfair methods of competition
Statement of funeral goods and services selected
An itemized written statement provided for retention to each person who arranges a funeral or other disposition. It must include the goods and services selected and prices paid for each, itemization of cash advance items and the total cost
Alternative container
An unfinished box or other non-metal receptacle or enclosure, without ornamentation or a fixed interior lining
Effective date
Date that the specific price list was put into use
No
Does a funeral home have to identify on the CPL the manufacturer of each casket which it offers for sale? Yes or No
No
Does every item of service and merchandise which a funeral home offers for sale have to be listed on the GPL? Yes or NO
No
Does the funeral rule limit the number of packages which a funeral home may offer on its GPL? Yes or No
No
Does the funeral rule require a funeral home to place a disclaimer of warranties on its CPL and OBCPL? Yes or No
Tying arrangements
Exist when a seller requires the purchase of unwanted items/services in order to obtain the desired item/service
It is a beautiful day outside! Why not go enjoy it!?!? :D
FTC my butt. Well.. maybe not. What I mean is, there are too many questions.
No
Is it a violation of the Americans with Disabilities Act (ADA) to charge a family more for handling obesity cases? Yes or No
No
Is it a violation of the law for a funeral home to set a basic weight limit for a standard arrangement and charge more per pound when that limit is exceeded? Yes or No
Yes
Is it permissible on the statement of funeral goods and services selected to simply indicate that a funeral home "may" markup cash advance item? Yes or No
Except in certain special cases, embalming is not required by law. Embalming may be necessary, however, if you select certain funeral arrangements, such as a funeral with viewing. If you do not want embalming, you usually have the right to choose an arrangement that does not require you to pay for it, such as direct cremation or immediate burial.
Mandatory disclosures written correctly. **This is question 49. I am sorry, but I didn't want to type out all four of these ridiculously long answers.** :)
Yes
May a funeral home charge an additional fee for guaranteeing the price of a pre-need funeral because during the Obama Depression, interest rates have not generated enough to keep up the run-away inflation caused by the Obama Outfits' inflationary policies? Yes or No
No
May a funeral home have a burial casket price list and a separate cremation casket and container price list? Yes or No
Yes
May a funeral home have a fee for correcting a death certificate (when the correction is not due to their negligence) -plus cost of new copies? Yes or No
Yes
May a funeral home have a fee for obtaining DC's outside of its normal business area? Yes or No
Yes
May a funeral home impose an additional fee for obtaining payment of the funeral bill from an estate or from assigned insurance policies? Yes or No
Yes
May a funeral home include identification as part of its direct cremation charge? Yes or No
No
May a funeral home include visitations as part of its basic receiving of remains offering? Yes or No
Yes
May a funeral home incorporate only a portion of its basic service fee in its charges for direct cremation, immediate burial, forwarding of remains and receiving of remains? Yes or No
No
May a funeral home list a separate fee on its GPL to apply for and obtain a death certificate? Yes or No
Yes- Depending on the State!
May a funeral home list a separate fee on its GPL to conduct an identification prior to cremation? Yes or No
No
May a funeral home make its own minor revisions to the wording of the mandatory disclosures required by the funeral rule? Yes or No
No
May a funeral home refuse to serve a particular group because of its tradition of holding boisterous and unruly visitations? Yes or No
No
May any of the 16 items required to be listed on the GPL be listed as "free?" Yes or No
Itemization
The method of price quotation by which each unit of service and/or merchandise is priced?
Triggering event
The occurrence of a situation that requires certain action(s)
False
Very few states require that a body be embalmed or refrigerated within a certain period following the death True or False
D. (Any of these may be used!!!!)
Which of the following are examples of pre-need price guarantees fees that may be used by the funeral home? A. Price guarantee for five years $______________ B. Price guarantee for ten years $______________ C. Lifetime price guarantee $________________ D. Any of these may be used!!!!
1, 2, 3, 4 and 5
Which of the following are good parameters (limits) to place on the ID viewing? 1- Limit time to a maximum of 10 minutes 2- Limit the number of people to several (5 or 6 maximum) 3- Limit designated people to those qualified by marriage or kinship 4- Require applicable preparation of remains (wash, disinfect, pose features, dress, etc) 5- Do not allow any rites or ceremonies to be conducted
