Bernheim-Apter-Kreitzman Suburban Funeral Chapel
68 Old Short Hills Rd, Livingston, NJ, 07039
License #4348
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
“The staff was wonderful from the very first call through the entire process. Taylor was exceptional in handling every detail with care and compassion. On the day of the funeral, she was everywhere—ensuring everything ran smoothly and allowing us to focus on our family. We truly appreciated everything she did for us.”
— David Williams
“Our Mom passed away on Christmas Day 2025 and Bernheim-Apter & their team were fantastic. Compassion abounds as does the process & realities of someones passing. I could not recommed them more for when their servces are needed. Thank You, BA for your caring voice & actions”
— Casey Holstein
“We planned on visiting at the beginning of 2026 but our 99 year old mother passed in mid December. So, we called at 5am and they came that morning to pick her up. That afternoon we met Alicia and she gave us all the option- there are many, and planned the entire day for us. She was there from the family greetings to the cemetery. Under the circumstances and with the unpredictable weather, the day went much better than expected. I highly recommend them for you funeral needs.”
— David Warner Photography
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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