Lake Cumberland Funeral Home
1046 KY-80, Somerset, KY, 42503
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.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
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 Kentucky
$2,121 – $6,671
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,121–$6,671. 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
What Families Say
“My family's experience here was more painful than it needed to be, especially considering the circumstance for needing these services. From the outset, the funeral director asked us about comparing prices with other establishments, which felt tactless, and was embarrassing to us. Throughout our interactions, his lack of sincere empathy was evident as he diverted conversations towards irrelevant personal anecdotes--I feel like he did not read the room well. Additionally, during the cremation paperwork, our grieving grandfather was clearly not in a place to read the whole document. However, upon me reading it later, there were definitely a few points I feel should be highlighted before signing (one being that items would not be removed before cremation, when we, and I believe most people, would think the opposite would be true). There was also a snag with payment with a double charge on our bank account. It was easily resolved with the bank, but the receptionist here was very defensive when simply asked if it did double charge on their end. Finally, we were told we would receive the death certificates in the mail two weeks later. It's been five weeks and when we called were told they came in that morning and we could have them mailed or pick them up. It raises doubts about their transparency. Overall, our experience felt dismissive and insensitive, leaving us disheartened and undervalued during a difficult time. This is the "most affordable" funeral home in the area, but that will not be a factor for us the next time we need services.”
— Kayla Zagray
“Very caring, very understanding, extremely nice people who care about your wishes”
— Mike Brodrick
“We had the most wonderful experience with Lake Cumberland Funeral Home. Chris was warm, caring, and took excellent care of us, making sure that everything was taken care of just like we envisioned. His staff was fantastic also. They honored my Dad and made us feel like family. I would recommend Lake Cumberland Funeral Home to anyone”
— susanne fallahzadeh
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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