Consumer Rights under the FBCSA

Under the Funeral, Burial and Cremation Services Act, 2002, you have certain rights when planning a funeral, burial, cremation or scattering. By law, funeral establishment operators, transfer service operators, cemetery and crematorium operators must be licenced.

Fees
To help you comparison shop, service providers must give you a price list of all the supplies and services they sell before a contract is made.

Service providers also need to tell you about certain business arrangements if they will benefit from recommending or selling you a particular supply or service.

For example, they must tell you about any commission or benefits paid to them if you choose a particular florist shop. The service provider must also tell you if the owner of the business also owns another bereavement-related business within 100 kilometres.

Full Refund
After signing a contract for funeral, transfer, cemetery or crematorium supplies or services, you have 30 days to change your mind and get a full refund.

You may not be entitled to a refund for supplies and services that have been delivered at the time you cancel.

Cancellations
You may cancel after 30 days but a cancellation fee may apply. The cancellation fee cannot be more than 10% of the total cost of the contract or up to a maximum of $350.
Guaranteed Prepaid Contracts
As of July 1, 2012, prepaid contracts are guaranteed. This means a service provider must supply everything specified in your contract when you need it without additional charges, even if prices have gone up.
Accessibility
If you tell a funeral, cemetery or crematorium provider that you need material in an accessible format (e.g, large print or audio format) it must be made available to you at no extra cost.
Reputation
You have a right to ask the Bereavement Authority of Ontario if disciplinary actions have ever been taken against a bereavement-related business or its employees and if their licences are in good standing.

If you believe you have not been treated fairly, contact the Bereavement Authority of Ontario.

 

Interment rights are the rights to place human remains or cremated human remains in a grave, crypt or niche.

Cemetery operators do not sell the land but they sell rights to use the grave in keepings with their Bylaws. A plot is more than 1 grave/lot that is sold as a unit.

Some cemeteries also sell scattering rights — the rights to scatter cremated remains on a scattering ground in a cemetery. You also have the right to scatter cremated remains in other locations, but there are some restrictions.

After the 30-day “cooling off” period you have the right to resell your unused interment or scattering rights if the by-laws of the cemetery do not prohibit the resale.

If You Can Sell
If a cemetery’s by-laws do not prohibit you from reselling your interment rights, you are free to sell unused rights to a third party.

Only operators licensed under the FBCSA are allowed to purchase interment or scattering rights with the intention of reselling them. This makes it easier for consumers to deal with one provider for all of their needs.

You cannot resell the interment rights for more than the market value on the price list for the cemetery. You must contact the cemetery before selling to or buying from a third party and the transfer of the rights must be done through the cemetery operator.

The cemetery operator will verify that the seller is in fact the interment rights holder, update the public register and issue a new interment rights certificate. Cemetery operators may charge an administrative fee for this service.

If You Cannot Sell
If the cemetery by-laws do not allow you to resell the rights directly, The cemetery must buy the interment rights back at their current price list price less than the amount that was previously contributed to the care and maintenance fund / account. If the price has not changed since you bought the interment rights, you can simply cancel your contract.

Note: You cannot be refunded the care and maintenance contributions after the 30-day cooling off period.

Cemeteries are not required to repurchase interment rights for an unused grave or lot that is located in a plot where one or more of the graves or lots have already been used.

Before signing a contract, always:

Make sure you are dealing with a licensed service provider (ask to see proof of their license)

– Review the service provider’s price list to make choices you can afford,

– Review the cemetery or crematorium’s by-laws,

– Make sure the contract sets out the things you have agreed to buy or rent, such as:

  1. Services, facilities and vehicles,
  2. A casket, urn, vault, grave, crypt or niche and monument,
  3. Any other payments (for newspaper notices, police escorts, honorariums for religious officials, etc.)

– Make sure the contract includes the taxes to be paid,

– Ask if the service provider is receiving any commission or benefit from other parties they’ve recommended to you.

For your contract to be valid, both you and the service provider must sign it. Make sure you get a copy of the contract after it is signed.

Free copies of the Consumer Information Guide to Funerals, Burials and Cremation Services are available at funeral establishments, transfer services, cemeteries and crematoriums in Ontario.

 

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