Pre-Planning and Pre-Need Services

Peace of Mind for You and Your Family

To help you better understand the benefits of pre-need planning, please view “Think of me When…” video below.


Making funeral arrangements often represents one of the most difficult and emotional responsibilities immediately facing the survivors.

You can spare your family some of this stress and assure that your personal preferences are honored by making your funeral arrangements in advance.

Hitzeman Funeral Home, Ltd., educates the community about advance funeral planning. People who have pre-arranged tell us the experience was important to their peace of mind. Because of all their needs were addressed. When the need for a funeral arises, those left behind are very relieved to know that many or all of the decisions were made ahead of time.

If you have made funeral arrangements in the past, you are probably familiar with the countless decisions that need to be made to ensure everything is just right. The vast majority of the time we meet with people who have never planned a funeral and the amount of detail is surprising to them.


Pre-planning can either be as simple as using our checklist or as formal as a contract in the form of a guaranteed insurance policy.

Pre-planning a funeral is just as practical and important as planning for a college education, a wedding, a new home, or retirement. At Hitzeman Funeral Home, Ltd., we are licensed funeral directors and licensed insurance brokers, providing you with the expert guidance you deserve.

Please (Click Here) to go to our pre-need form. You can give us information about your loved one.


Reduce the stress that a funeral brings your surviving family members.

To give your family peace of mind, we recommend considering your options for pre-planning. This gives your family time to build a foundation for healing and to support one another. Your funeral service will be a time of reflection and a celebration of your life.


Express your wishes.

Pre-arranging your funeral lets you express your preference about details including: burial or cremation, clothing, church, clergy, scripture or readings, music, memorial contributions, casket, pallbearers, obituary, and whom to notify.


Power of Attorney  Forms
As we get older, you may want to designate a trustworthy person to fulfill certain roles if you are unable to make those decisions for yourself. The following forms will give you an idea of Power of Attorney forms for Healthcare and Financial, please consider this as a guideline or topics to discuss further. You may wish to consult your own attorney for Estate Planning and Power of Attorney advice.



Unlike the large conglomerates and corporate funeral homes, we do not require you to sign up for a membership account in order to make pre-arrangements.


Your funeral costs are covered with a pre-funded funeral arrangement.

Your pre-arrangements include:
• Funeral director’s professional services
• Funeral home facility and staff charges
• Transportation charges
• Casket, vault, and other items

Payment plans are available to meet your needs.

We work with you to arrange the best possible services for an amount that you find comfortable.


Pre-planning preserves assets and protects against inflation.

Funeral pre-funding can help safeguard your savings and other traditional life insurance for their intended purposes. Plus, by purchasing your funeral in advance, you can secure the cost of your funeral at today’s prices.

When you decide to go with pre-need insurance, your funeral service expenses and some merchandise will be covered. To cover additional costs, there are allowances and flexibility for expenditures related to your funeral. Hitzeman Funeral Home, Ltd., makes sure all insurance documentation is completed and your insurance claim is processed.


Pre-planning sets aside funds before your finances are reduced by Social Security, Medicaid, or Public Aid eligibility.

Pre-arrangements are highly recommended for individuals receiving nursing home public assistance. Before applying for public aid, individuals may provide funds for funeral services as well as for the casket, grave space, marker, grave opening/closing charges, and other fees.


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After a series of meetings and discussions with the Illinois Department of Human Services (DHS) and the Illinois Department of Healthcare and Family Services, as well as Rep. Natalie Manley (D – Joliet), DHS has issued a NOTICE on their website clarifying that an applicant for Medicaid can still use available resources for prepaid funeral and burial contracts up until final eligibility of Medicaid is determined.

Below is the full text from DHS under “Eligibility for Backdated Months.”
If not already in place, an Applicant may use available resources to purchase an exempt prepaid funeral or burial contracts at any point after submitting an application for medical assistance up until a final determination of eligibility on the application has been made by the Department.

When determining eligibility for a backdated month, the individual is eligible for the entire month if they become eligible at any point during that month. Eligibility for each retroactive month would be determined based on the amount of resources and income that were available in that individual month. Expenditures for allowable transfers or purchases would be applied only for the month in which they were made. Eligibility for each month of medical backdating is determined separately.

Apply eligibility rules regarding exempt/non-exempt resources and allowable exemptions when determining what amount of resources to use.

Contact the Bureau of Medical Eligibility Policy at 217-557-7158 if you have any questions.
Source: Margaret Vaughn, IFDA Lobbyist – 7/15/2020

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An insurance policy can help protect your assets.

Funeral funds are assured by placing those funds with an insurance company. All insurance policies are regulated by the Illinois Department of Insurance.

A Travel Benefit Plan covers you whether you vacation or have a place during the winter. If something unforeseen happens to you while you are vacationing/traveling and are more than 100 miles away from your registered voting residence, this plan will ensure that you will be transported safely home at no additional expense. This benefit will be a comfort to you while you are away.

Let family members know where you keep important documents.

Once you have made prearrangements, we will provide extra copies for your records, family members, and attorney. Inform a close friend or relative what arrangements have been made and where the information may be found.


Use the pre-planning form on our website.

To fill out a pre-arrangement form (Click Here). Please provide email addresses for you and your next of kin to keep you informed of latest state regulations and updates.

We are ready to meet with you.

Advance funeral planning is just as important as sufficient life insurance, a will, and other contingencies you have in place to protect your family. It really does make good sense.

At Hitzeman Funeral Home Ltd., our funeral planning professionals will work with you to determine your individual needs and answer any questions.

Hitzeman Funeral Home, Ltd., takes great pride in our ability to be sensitive and caring for your long-term wishes. We would be happy to sit down and have a no obligation consultation with you about planning for your future.

Please (Click Here) to go to our pre-need form. You can give us information about your loved one.

For more information, please call 708-485-2000 today to schedule an appointment.