Carmona-Bolen Home for Funerals LLC
412 Main St, Toms River, NJ, 08753
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 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
“Sophi was amazing with helping my dad and I plan my mother's funeral and stayed with us and guided us through it all. She laughed with us and she cried with us and was a great comfort and blessing to our family. Thank you Joyce for sitting with my dad the morning of Mom's funeral before we left to go to the church with such love and compassion. Nick and Chuck were great as well. We received many compliments on how beautiful this establishment is and how well organized everything went. With hearts full of gratitude thank you Carmona-Bolen for taking care of us as if we were family. God bless you all”
— Janice Hozella
“My sister and I lost our mother after a very tough battle with cancer. Our obvious stop was Carmona-Bolen. I had the pleasure of meeting Joyce, Sherry, Nick, Jenn and of course Sophi. They were all very welcoming, professional but with a respectful familiarity. We had the pleasure of working with Sophi for the entire process, from start to finish. Every question or need was handled with care, ease and a level of compassion that I was very thankful for. Being able to grieve directly following the loss of our mother was so important. Sophi gave us the space and importantly the choice to do so. The entire process was truly and respectfully executed with love and that compassion you don’t often see. We would recommend the Carmona-Bolen family to anyone. We want to deeply thank every one of you, especially Sophi. She’s one of a kind, respectfully.”
— Trevor Manning
“I can’t thank Mike and Nick enough for the beautiful job. They have Have done with my grandmother we’ve been using this funeral home for over 20+ years and we’ve always had the best experience with them and for the owner Joyce is a godsend. We appreciate everything you guys have done The DiMeo/ Gambino family.”
— Ashley
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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