<prompt> Human: Im putting everything emotional aside to write this post so its probably going to sound really callous. Here goesMy grandfather is 73, grandmother is 70. Neither had any sort of retirement besides grandfathers Social Secuirty and a small check he gets from a mine he worked at for 25 years. I cant give you definite numbers at the moment but I believe he makes about 1800 a month. Grandmother is on disability and gets a 730 check every month. She uses 500 of it to pay for a drug maintenance program and has 200ish left to do whatever with. She has no budgeting and she has never had to pay bills. Grandfather keeps putting off getting burial insurance and I dont know why. Ive begged and pleaded with him and things are just left in the air.The only people who wouldcould pay for his funeral is me, my uncle and maybe my grandfathers siblings. This is a big maybe for all of us.He has stage 4 cancer and had an excellent credit score but not hospital bills have ruined it. Before treatments started, I asked if he would want to use his credit card to pre pay for funeralcremation but he didnt give me an answer and its becoming harder and harder to bring up.My grandmother said Youve basically started digging his grave. Which broke my heart but no one has planned ANYTHING. Im literally the only person who is being logical because I cant process it still and Ive tried to explain that we HAVE to do this stuff now or everything is going to be s mess. Ive looked up KY laws with wills to see how easy it would be to get a will notarized giving everything to my grandmother and its pretty easy but he still hasnt done it. Im worried the hospital bills will mess up my grandmothers life after hes gone. To make matters more or less complicated, I do not know, my grandparents are not legally married. Theyve been together for 50 years. Will she be able to draw social security from him? She will NOT be able to live in her own financially after hes gone. I dont think she will be able to afford an apartment either on 200 a month. What do I do, how can I make them see this is headed for a shit showAssistant: Burial insurance premiums at this point will not be worth it, forget that option. You need to consider just having the body cremated through a crematory and then planning an at home wake. This will be considerably cheaper 1-2k. Honestly it doesnt sound like you guys are in a position to have the body buried and have a funeral home do a wake service which can easily be 5-10k.Human: That sounds like what we will need to do. I cant discuss this with any of his kids my mother and uncle because they just seem to fall apart and I look like this devil woman demanding we plan my grandfathers death. Can I just get in contact with the funeral home myself and get things sorted or do you know if I will need his permission or anything from him to get it started? Ive never had to deal with anyones funeral. I have zero experience with this.  <response>: Just go to the funeral home and ask all the questions you need so ifwhen it happens the process will be smoother. When my father passed away, my mother went looking for plots 2-3 days before. As hard as it was, dealing with the paper work after it happens is more mentally difficult and emotionally exhausting. The funeral director knows how hard this is and will walk you through all the steps though. 