Cotton Funeral Services
1025 Bergen St, Newark, NJ, 07112
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 Jersey
$3,244 – $10,202
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,244–$10,202. 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
“Outstanding service being provided during a difficult time was what my family and I received from Michele and Cotton Funeral Services. Although I was out of state, handling the arrangements from afar was a smooth transition and done with much patience and care. I highly recommend Cotton Funeral Services and they have over a decade of family tradition.”
— Darryle Banks
“The staff was very professional, and they saw to it that I was pleased with everything. The funeral director, who was in charge of my loved one, made it a point to answer all my questions and concerns, and if he couldn't, he made sure he got back to me.”
— Beverly Lewis
“Cotton has taken care of funeral service of a few of our family members. So we decided to use them for my mom. They've provided exceptional service in the past, but this experience was outstanding. This past weekend, I had to lay my mother to rest and they made a difficult process a little bit easier. From start to finish they were great. The communication. The professionalism, the response time, just outstanding. I was nervous about seeing my mother for the last time but decided last minute to go to the coffin to say Goodbye and I was put at ease when I saw how beautiful she looked. She didn't look like she had been sick. She looked very peaceful as if she was resting. My mom is not someone who wears makeup, but I was very impressed. They paid attention to everything I said. The hair with 3 simple braids. The makeup was light and natural. Exactly what I'd asked for. We had a few obstacles and every step of the way Mr. Ozzy worked it out. The gentleman that delivered my mom to the gravesite even executing an unusual request last minute. We had a good experience with them and worked recommend.”
— Victoria Mathis Debrah
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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