What is a Funeral Parlor?

A funeral parlor, funeral home or mortuary, is an industry that offers funeral and interment services for the deceased as well as their loved ones. These services could include an arranged funeral and wake, as well as the facility of a chapel meant for the interment.


Funeral parlors arrange services according to the desires of surviving family and friends, whether immediate close relative or an executor in a legitimate will. The funeral parlor handles the essential permits, paperwork, and other particulars, for example making preparations with the burial ground, as well as providing announcements to the media.

There are some common kinds of services in the USA. A customary funeral service entails a viewing (occasionally denotes a visitation), a memorial service within a house of worship, or the funeral parlour Chapel, as well as a graveside interment service.

Direct cremation entails the funeral parlor getting the dead body, preparing it for filing the essential legal documents and the crematory. Immediate/direct burial is a foregoing of a memorial ceremony for a quick, simple burial. Transporting a dead body between funeral parlors entails preparing it for delivery in a casket secured into an arbitrary, or a combination unit (airtray/mac pac). This is widespread when it’s to be buried within a different area than where the individual passed away.

funeral homes

When a dead body is transported to a funeral parlor, it is occasionally embalmed in order to delay the decomposition. The process typically entails removing enough blood material so as to put up the dyes and preservative chemicals, suctioning the internal organs as well as setting facial features.

Make-ups are utilized with the family’s consent to enhance the look of the hands and face for a natural appearance. If the hands or face are re-disfigured by accident, decomposition or illness, the embalmer could use restorative methods to make them well turned-out for an open casket service. If this is not likely, or if the family does not wish this, the funeral parlor can implement a closed casket service.

The funeral parlor frequently reserves one or more big areas for folks to gather during a visit. This area could have a space to show the body within a casket to guests who will pay respect. Memorial services and funeral may as well happen at the funeral parlor. Numerous funeral parlors provide pre-arrangement choices for those people who desire to plan and organize their own memorials.

Numerous big multi-national businesses in this field of service have acquired publicity from prominent litigation. The Loewen Group, Inc., acquired a particularly huge jury verdict within Mississippi, USA which was soon discovered to be mistaken as the claims against The Loewen Group proved untrue. The Canadian-based corporation then brought a lawsuit against the US claiming damages under N.A.F.T.A.. Moreover, Houston-based Service Corporation International has had their portion of legal dilemmas with the methods of their funeral parlors as well as cemetery procedures.

In 2011, the entire funeral parlors income in the USA was $13.6 billion.

Not all deaths are caused by natural or legitimate circumstances. There are cases wherein the death of a loved one may be the cause of a negligence. If you happen to have suffered a wrongful death case, then don’t hesitate to contact a personal injury attorney to help you make a claim.


funeral law

What happens when you die? Behind the scenes at funeral homes in America

A lot needs to take place before you can rest peacefully after death.

Sienna Perro, a photographer, explores this procedure, together with the ethos of funeral parlours as “businesses, domiciles, and places of grieving in her program ‘Staging Service’”.

“Mostly, death is handled in shockingly general terms, but regardless of the lack of mourners, small instants of personalization hint to people who go through this place,” stated Perro, who spent one-year visiting funeral parlours all over America.

This information are dashes of the service offered and merchandise vended—created by means of a process wherein the corpse are made-up, prepped, costumed, and presented for grievers, she wrote.

The death business is a long and complicated process, particularly after losing someone. Prior to the beginning of the mourning, morticians and health professionals have loads of things to do.

Initially, a doctor should certify a deceased individual’s death, and a cremation or death certificate should be issued. If doctors have not seen the patient in several weeks, doctors should report the passing away to a coroner, reported The Guardian.


A coroner will sometimes appeal an autopsy to determine what causes the death.

“If a young individual dies, the possibility of having an autopsy is high since their passing away is much more probably unexpected,” pathologist Dr. Rob Jenkins stated to the Guardian. “Numerous older individuals who die will not have an autopsy since they probably already knew that an illness caused their death.”

Next, the corpse goes to the mortician. The mortician will sometimes collect the corpse from hospitals, occasionally from somebody’s home.

It is directly placed into a frozen compartment at the funeral parlour. When it has been listed and once permission of the family is given, the embalming initiates.

An embalmer wipes the body with a disinfectant or formaldehyde spray. The embalmer may have to massage the limbs of the body if they’re still rigid from rigour mortis.

Following the application of formaldehyde, blood, as well as fluids from the chest and organs, are drained of the body.

“I perform an incision just below the rib cage, then I make an insertion of a metal suction instrument, called a trocar, which is attached to a pressure pump,” Karen Koutandos, an embalmer, told The Guardian. “I then perforate the internal organs in order to withdraw the fluid. I get rid of the contents of the intestines, bladder and bowels, as well, since these can emit smell and gases.”

Koutandos stated that a body’s throat and nose are filled with cotton wool so as to avoid fluids from leaking out.

Funeral Homes

If the deceased does not have teeth, cotton could be utilized to make the mouth appear more natural. Mouths are stitched closed from within. The eyes are dried, and the plastic material is kept beneath the eyelids so as to preserve a natural form.

After embalming, the dead body is then washed.

The hair is washed, and men’s faces are shaved. The embalmer will as well cut nose hairs and clean the nails of the deceased. Makeup is applied in order to reduce the waxy appearance a dead body could have.

The body is cloth prior to being placed in a casket, and occasionally two or three individuals will clothe the body.

The skin can be extremely fragile. A plastic suit could sometimes be placed under the body if it’s deteriorated considerably.

Dress and embalming could be different basing mainly on the faith of the deceased. An immigrant’s body could be set for a return to their country of origin.

Once embalmed, a body could be put in a viewing chamber for a few days, weeks or even months. It can be buried or cremated.

“The ultimate product is specific and personal, with a frontage of custom-made individuality that covers the fact that death is normal,” Perro wrote regarding her photography program. “The futile quality of these insides is highlighted by the pictures’ formal composition—showing death as unremarkable, routine, and inevitable.”


funeral law

What Can Funeral Homes Do for You?

A funeral home or funeral parlour is an industry that provides various funeral and burial services meant to help families discard the remains of their loved one in their own preference. There are an extensive number of services and goods provided by a funeral parlour, but not everything will be chosen by the individual families.

Every family is unique, every loss is unique, so every interment is unique. The kind of services and goods selected by the surviving family will as well be unique, varying on the desires of the deceased and/or of the family. Families can modify the service in relation to their wishes, selecting from various services that honour the memory of their loved one the best.

A loved one’s death is a hard time for surviving families, and numerous individuals are uncertain about the method of organizing a funeral. The family will usually work thoroughly with a mortician or funeral director, who’ll make certain that the funeral services of their loved one are planned according to their desires.


The funeral director helps them select the finest services in honouring the deceased in the most memorable, solemn and dignified manner possible. A few of the numerous services offered at numerous funeral homes are mentioned below:

The Body’s Retrieval and Embalming: The funeral parlour is in charge for the retrieval of the body from the location of death (nursing home, house, hospital, etc.) and its transportation to the funeral parlour. It’s in the funeral parlour where the corpse will be set for appropriate disposition.

The mortician or funeral director will elucidate all the available choices to the surviving family, and aid them to make the right picks for the deceased, counting whether a body viewing is allowed or whether the corpse is to be embalmed prior to the interment. If the corpse is intended to be cremated, then the funeral parlour is in charge for carrying the remains to the crematorium.

How to Handle the Body: Funeral parlour workers are in charge of handling the corpse with the highest respect and dignity all the time while the deceased is being set for the interment. This doesn’t just include body washing and embalming but preparing the corpse for viewing as well.

Funeral parlour staff will do services like hairdressing, dressing the body, putting on cosmetics for a life-like appearance, and putting the body within the casket for the viewing as well as burial. The family has to be certain that the deceased will be taken care of during this procedure.

Paperwork Processing: Documentation upon a loved one’s death can be devastating to grief-stricken family members. Certificate of death, authorizations, and special permits are just a few of the documents that require being filed and completed for the deceased. The mortician will collect info from the surviving family to organize the essential paperwork, and make certain that every document is filled out and filed accordingly with the proper authorities.


As numerous family members may wish a death certificate copy, the funeral parlour should secure the right number of copies of the death certificate to be provided to the requiring parties. It’s also the duty of the funeral parlour to transfer obituaries to local newspapers and other media so that the deceased’s friends, relatives, and colleagues will be acquainted with the prearranged funeral service.

Funeral Planning and Concierge Services: The mortician will aid the family to agree upon the particulars of the service, and make sure that every detail is done consistently with the wishes of the family. This includes preparations for the location of the funeral, the location of the memorial service, and whether the cremated remains or body will be scattered, buried, or disposed of using some other way.

 The funeral parlour will also help the family order the flowers required all through the service, the urn or casket to stock their loved one, as well as other preparations for the interment. Numerous funeral parlours also provide a car service in picking up families at an airport or a concierge service in making hotel reservations for the arriving family members.

Funeral parlours provide various services that aid a grief-stricken family make the proper choices when preparing the funeral of their loved one. It is essential for staff and funeral directors to provide compassionate understanding and care to the family.


X-ray medical results.

Understanding Your Health Care Wishes

How do you ensure your health care surrogate has the right info? The dangerous step is to be very clear in discussing your desires –focusing on the desired quality of life and on the kind of healthcare management you want.

We have all heard of anecdotes where individuals end up in dreadful situations – living in nursing homes for several years with serious dementia, severe head injuries, or long-lasting disabilities from terrible accidents. The majority of us would state, “If I ever end up like that, let me die.” There are two issues with this method:

You might assess your choices once you’re really in that situation.

If your desires and wishes aren’t documented, your loved ones will endure angst in trying to understand what you truly want.

X-ray medical results.
X-ray medical results.

When severe illness happens, doctors suggest numerous choices for your treatment. For a person to live longer, some individuals and their loved ones want anything, and everything was done. On the other hand, at some time, quality of life could worsen that “doing everything” could be more dangerous than helpful. By bearing in mind the quality of life that’s vital to you, you and your loved ones can better decide what treatments are right.

In our monetary planning practice, we inquired clients on which mental, physical and abilities were so vital to them, that if these functions are lost permanently, they’d no longer desire to be kept alive. The group produced four:

  • Communication – understanding and manifesting are the two parts of All clients but one said that if they can no longer comprehend what was happening around them, or would forever lose their capability to declare their wishes, they’d only desire to receive comforting care to keep them contented. One client was satisfied not being capable of expressing her wishes, given that she was able to comprehend everything is happening around her. Her husband had passed away of ALS, causing this kind of scenario. Due to her understanding of this circumstance, she was contented experiencing it herself.
  • Eating –knowing you’re hungry, getting food and nourishment to your mouth, and swallowing the food are the three parts of Nearly all of our clients didn’t desire to be kept alive once these three functions were lost permanently. The most vital were swallowing– losing the capability to swallow signifies that you would require a feeding tube put in a few parts of your digestive system if you’re to survive.
  • Grooming – this function got mixed remarks from our group. Many were comfy with others assisting with brushing their teeth, bathing, and brushing their hair. Most weren’t pleased with the loss of the ability to toilet. (This is, in fact, my touchstone – if the physician tells me that I cannot wipe my own rear-end any longer, then I desire to be moved instantaneously to comfort care. My logic is that to wipe myself, I have to utilize my head to discern I have to wipe, and my own hands to carry out the actual wiping. Though many folks are quite content with people with quadriplegia, I’d choose to go to heaven or hell.)
  • Interaction – a client, stated, “Don’t park me in the corner.” If he were not aware enough to partake in day-to-day activities, he wouldn’t want anything to prolong his life.

Mull over what is vital to you. What functions could you not live without? Share these considerations with your family and friends. Take note; you can still change your desires anytime while you’re still capable of communicating. The travesty happens once you lose the ability to converse and communicate, and no one understands what general well-being is vital to you.

Take note; you can still change your desires anytime while you’re still capable of communicating. The travesty happens once you lose the ability to converse and communicate, and no one understands what general well-being is vital to you.


A funeral going on.

Things A Funeral Director Will Not Tell You

Read the cash-saving secrets funeral directors are not saying with these tips for organising a funeral.

A funeral going on.
A funeral going on.
  1. Go ahead, plan your own funeral, but consider prior to paying sooner. You could risk losing everything once the funeral parlour goes bankrupt. Instead, keep your cash in a “pay-on-death” bank account.
  2. If you/your spouse is a morally discharged veteran, the burial is free of charge at the Veterans Affairs National Cemetery, including the vault, grave, closing and opening, marker, as well as a set fee. Numerous State Veterans Cemeteries provide free burial for the veterans and, frequently, spouses.
  3. You can purchase caskets that are as fine as the ones found within my store for thousands of cash less, online from Costco, Walmart, or directly from a maker.
  4. On a budget or environmentally concerned? Consider a casket that could be rented. The body remains inside the casket within a thick wooden container, then removed in time for cremation or burial.
  5. Operating a funeral parlour without a frozen holding chamber is like operating a diner without a walk in fridge. But numerous funeral parlours do not provide one since they would like you to meet the expense of the more expensive choice: embalming. The majority of the bodies can be shown very pleasantly without it, only if the viewing is held within one or two days of death.
  6. Certain hard-sell familiar words to be cautious of: “Given your status in the neighbourhood …,” “I am certain you would like what is best for your mum,” and “Your dad had a brilliant taste. When he made plans for your aunt, this was what he picked.”
  7. “Protective” caskets that have a rubber seal? They do not stop decay. Actually, the gases and moisture they trap within have led to caskets exploding.
  8. If there is no cheap casket within the display chamber, ask to check out one anyway. A number of funeral parlours conceal them in the boiler room or the basement.
  9. Request the crematory to put back the ashes within a plastic or plain metal container — not in one stamped, short-term container. That is just a dishonest method to get you in buying a more costly urn.
  10. Look and shop around. Charges at funeral parlours differ wildly, with instant cremation estimated to be at $600 at one funeral parlour and $2,000 at the other. (Federal law mandates that costs be offered over the telephone.)
  11. We take out pacemakers since the batteries cause damage our crematories.
  12. If I attempt to sell you a funeral package stating that it’ll save you cash, request for the specific price list nonetheless. Our packages frequently include amenities you do not need or want.
  13. Yes, technically I’m a mortician or an undertaker. But does funeral director not sound nicer?
  14. Yes, you can certainly store ashes within an urn or spread them anywhere special, but today you can have them squeezed into a genuine diamond as well, combined into a submerged coral reef, or exploded into space.
  15. It is usually less costly if the body isn’t present during the funeral.
  16. If the favourite outfit of the deceased is a size too big or too small, well, bring those items of clothing to us. Part of the task is making them lie perfectly.
  17. If I request you for the deceased’s photo to aid me to set the body, I do not mean their honeymoon photograph from many years ago.
  18. That could be actual gold in the deceased’s crowns or dental fillings, but do not ask me to take them out for you.
  19. Never believe in a funeral director saying, “This is the last thing you can do for your loved one.”
  20. You do not have to spend cash to have a worthwhile service. Think about a potluck at the home of the bereaved or a casual service at a favourite area, and request survivors to read poetry or tell stories.

If your loved one died due to a wrongful death or any negligent act, then you may also be entitled to compensation. Know more about how to acquire the compensation you deserve under such circumstances on Trevino and Loredo Personal Injury Lawyers.


The Pros and Cons of Cremations Vs. Conventional Funeral Services

Many folks realize that they do not know how to take care of their loved ones’ remains, they frequently consider both cremation and conventional funeral services. Houston Cremation Services involves burning the body of the deceased to ash, and the Houston Funeral Parlor will provide the service.

To ensure that you are getting the ideal service out of the Houston Funeral Parlor, you’ll have to distinguish which service is best for you.


The cremation charges are far lower than purchasing a casket, buying a grave, and taking the services of the funeral home providers.

You’d be comfortable to know that your loved one is near you because you can keep the urn (with their remains) within your house.

It may be better to find a provider who offers a cremation service than to find a grave site since numerous funeral homes are noticing that graveyards are getting full.

Cremation is Green

You can always have the remains of your loved one with you since the urn itself can be transported. You could move from where you might be currently living.

You’ll notice that some religions vouch for cremation over traditional burial, because these certain religions believe that the soul has left, and the empty shell will only remain.


You will not be able to always visit your loved ones’ grave to pay respect, and you won’t have anything to recollect to in case you spread their ashes like they desired.

Traditional funeral providers involve burying the deceased in the grave within a casket or coffin.


You’ll find out that having an area to visit will tell you how to actually feel closer to your beloved since you’d have a physical reminder that lets you recollect of their presence.

You can give your loved one a much more sophisticated burial since cremation won’t be elegant because it only entails the disposing of the corpse.


The traditional funeral charges are much higher. You’d have to pay for the coffin and gravestone. Moreover, you’ll also have to pay for the providers as well as the annual maintenance for the grave.

Chances are that the burial location of your loved one might be very far and difficult to visit, particularly when you move in a remote area of the country.

By understanding the advantages and disadvantages of the various Houston Traditional and Houston Cremation Services, you’ll be able to choose which of the services best offer you.

P.S. If it happened that a relative of yours died because of a malpractice or wrongful death case, know that you can always rely on the services of a personal injury lawyer to make a claim.

Specialty Urns Used for Special Funerals

Specialty urns are urns for cremation that are particularly decorative or unique. A specialty urn is picked

  • For display
  • To hold cremated remains
  • To reference the deceased’s hobbies
  • To represent faith
  • To match the deceased’s personality
  • Basically for its exquisiteness.

Faith Urns

Urns are usually decorated with symbols of faith. Religious tokens and art are a significant aide memoir of the importance of faith as well as its connection to death. Moreover, religious urns are a way to recognize the deceased as an individual of faith.

Faith urns could be as plain as a box made of wood carved with a cross. It could as well be with a box with a cross placed on top it. Religious urns could also be adorned with faith symbols like the Star of David or an ichthys. The urn’s shape itself sometimes is unique, for instance, in the figure of a book.

Religious urns are uplifting to families and loved ones, and a vital connection to their belief.

Specialty Urns with Personality

Numerous specialty urns reference a hobby or sport significant to the deceased person, or something in the individual’s life history, like military service. Lifestyle urns give the chance to rejoice something meaningful in a loved one’s life. They enthuse memories of a life. Hobby urns signify everything from motorcycles to fishing.

Military cremation urns honor the deceased’s service. They’re a meaningful means to remember the deceased person, and may be carved with service symbols, or decorated with medals, eagles, or flags. A military urn is an appropriate way to remember a veteran.

Clock Urns

The clock urn is a cremation urn that comprises a working clock that could be a plain clock face or an intricate art clock. This kind of urn is a beautiful and practical item that suits well on a covering or a dresser. In this way, the honoring is performed routinely.

Decorative Urns

Specialty urns are selected for their visual aesthetic as well. Attractive cremation urns created from limited or special materials, or with exceptional technical or artistic expertise are sought-after. The raku firing, a Japanese technique, on ceramic cremation urns is trendy, as well as burial urns in the Korean technique.

Art glass containers or specially carved wooden boxes make lovely urns, even if that is not their original intent.

Specialty urns are wanted for their beauty, meaning, and importance. Whether remembering a veteran’s service, honoring a loved one’s passion, or acknowledging a person’s faith, a specialty urn is a long-term means to bond to the spirit of the deceased individual.

Also, this is a long shot but if it happens that you have a medical malpractice and wrongful death case at hand, then you need the help of an experienced attorney to acquire the justice and compensation you deserve.

funeral law

Is Embalming Required By Law? – The Answer Will Surprise You

One frequently asked questions is “Is embalming required by law?”  The answer is no, in most cases.

While numerous funeral parlors will call for embalming if you decide on having an open casket service like a visitation or viewing, embalming isn’t always required, nor legally mandated if a corpse is being cremated or buried soon after death. 

This is particularly true since the majority of bodies are stored at a low temperature after death at the mortuary.  Removing embalming from a funeral home service can’t only save you cash, it can also help avoid using harmful chemicals, like formaldehyde-based embalming fluids.

Kraft-Sussman Funeral Services in Las Vegas, together with many other funeral parlors have endorsed the “green burial movement.”  While embalming is offered for families who want that service, we don’t automatically include it in our services.

funeral law
Funeral ceremony

The Federal Trade Commission monitor funeral parlors with the Funeral Rule.  Under the rule, a funeral provider:

  • May not offer embalming services with no permission.
  • May not incorrectly say that embalming is mandated by law.
  • Should disclose in written form that embalming isn’t mandated by law, with the exception of particular special cases.
  • May not ask in payment for unapproved embalming except if embalming is mandated by state law.
  • Should disclose in written form that you frequently have the freedom to select a disposition, like immediate burial or direct cremation, that doesn’t necessitate embalming if you don’t desire this service.
  • Should disclose in written form that certain funeral arrangements, like a viewing, could make embalming a useful necessity and, at times a necessary purchase.

Know your rights when thinking about the choices you decide on for your or a loved one’s funeral.

Funeral Home

A Quick Way to Find Funeral Homes

At one time or another, most of us will unfortunately have to look for funeral homes. Whether we’re prearranging a funeral for a loss of someone, or maybe planning our very own internment, this is a task that isn’t fun. That doesn’t mean, though that looking for a funeral parlor has to be stressful or difficult.

By looking for a funeral parlor that’s in accordance with your background and beliefs, you’ll provide ease for those who mourn. You would like to make certain the mortuary you choose will perform your desires with dignity, respect and grace. The right firm will feel relaxed, honor your desires and requests, as well as assist you in constructing a personalized memorial or funeral service.

Religion. If you’re religious, or you simply want to have the services of a certain religion, you have to ensure the funeral parlor you choose focuses (or will at least accommodate) such religious preferences. In the USA, Christianity is the predominant religion, and per se most funeral parlors accommodate to that religion. On the other hand, most will propose non-denominational services, or let you take along a member of the clergy from another religious conviction to carry out the service.

Funeral Homes

In numerous regions of the country, religion-specific funeral parlors, for instance, Jewish Funeral Homes, are found as well. These ‘religion-specific’ firms are likely to be found in locations with a high religion population. Your Synagogue Leader or Church can accompany you to the closest one if you’re not certain where they’re to be found. Even though you aren’t religious, if you’re pre-arranging the funeral for somebody who is, the synagogue/church will be keen to help you at all times.

Cremation or traditional burial? Prior to planning your visit, it’s helpful to be familiar with which kind of concluding disposition you require. Do you desire to be buried or cremated? If you were cremated, do you desire your ashes spread or laid to rest within a mausoleum or grave? Maybe you desire the ashes to stay with a relative? These extremely basic (though very hard) decisions have to be initially made.

Visit the funeral home. After you’ve narrowed your choices, plan an appointment with them. Get in touch with the funeral director regarding the kind of service you would like. Moreover, think about the packages they propose in relation to wakes, flowers as well as the maintenance that will occur following the funeral, for instance, maintaining the cemetery plot.

Funeral Home

If you think you’re being pushed into purchasing items or services you don’t need or want, keep looking. Funeral establishments are also mandated by law to provide you pricing details for every service and item rendered. While the funeral home may only display $1000 caskets, request for a list of prices which could have lower price items written on it. This is a federally authorized law. It is called the “Funeral Rule”.

One good thing you could do is shop in advance prior to needing a funeral service. You may not wish thinking about funerals when everybody is hale and hearty, but it is the least nerve-wracking time to prepare so. Most will provide funeral pre-arranging and even provide the choice to expend for your funeral beforehand. This can aid ease the monetary burden and let your family members concentrate on mourning for their loss as well as celebrating your life.

Obama Care

How Early Retirees Can Acquire Cheap Health Insurance with Obamacare

Open registration for the Affordable Care Act started . If you’re an early retiree, particularly between the ages 55 and 64, then you have the chance to acquire big tax credits so as to meet the expense of your health insurance if you purchase it using health care exchange.

Moreover, if you do it right, then you can even acquire subsidies to help decrease your out-of-pocket expenses. To do this, it will take very careful planning.

There are four steps to this method:

Know how much cash you require for your expenses in 2015, and where your cash would come from.

Plan to acquire your salary on your income tax return (this includes tax-free income) to above a hundred percent poverty level within states that did not expand Medicaid as well as a hundred thirty-eight percent in states that expanded Medicaid, but below four-hundred percent poverty level.

Once the income hits four hundred percent poverty level, you entirely lose tax credits.

Obama Care

If you can acquire adjusted taxable income less than 250% poverty level, then request a silver level plan. This will make you eligible for the cost-sharing tax credits so as to aid meet deductibles.

Monitor your deductions and income all through 2015 to ensure you don’t fall below the poverty level or wind up above the four-hundred percent poverty level threshold.

I will now explain these steps thoroughly.

Know your living expenses in 2015 as well as where that cash will be coming from:

Where you pull cash to eke out a living isn’t similar as how much money you request on your tax return. For instance, if you require $5,000 per month for expenditures, where will you get that cash from? Here are a few cases:

If you have 60,000 in your savings account, then you can utilize that cash to eke out a living. You won’t have to pull anything out of your retirement accounts, and essentially keep cash on your tax return at extremely low levels. 

What would appear on your tax return are interest and dividends. Be careful, interest and dividends should be higher than the poverty level.

If you have several cash in savings and tax-deferred retirement accounts, then you can pull 24,000 (plus cash to pay taxes) out of your retirement accounts, and get the rest from taxable investment accounts or savings accounts. This will still make you eligible for an insurance tax credit if overall income is maintained below four-hundred percent poverty level.

If tax-deferred retirement accounts are all you have, you’ll be unfortunate. You will have to entirely take the $60,000 you require to survive out of those accounts. 

This would put you over four-hundred percent poverty level, and you won’t get tax credits. Good news – Roth IRA account withdrawals don’t count in the calculation of income.