J. Seaton McGrath Funeral Home
40 W James St, Richfield Springs, NY, 13439
Questions to Ask When You Call
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Payment & Financial Options
Average in New York
$3,368 – $10,595
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,368–$10,595. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
Services Offered
Business Hours
What Families Say
“Losing a loved one is beyond hard and Ron Hess and his entire staff at J Seaton Mc Garth Funeral Home went out of their way to help make preparing for a funeral so much easier. They truly comfort, guide and are also very professional during the entire process. They have done several funerals for our family and all were done with perfection and complete compassion and care. Thank you for always going above and beyond and making each of our loved ones remembered in such a wonderful and respectful way.”
— Laura S
“Beautiful place. Wonderful people.”
— Chris Hanley
“”
— William Buie
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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