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About CMS
Honouring Access, Belonging, and Community
In April 1966, a diverse group of people from local cooperatives and the Unitarian Church in Calgary came together around a shared goal: to create a memorial society that would help individuals and families plan practical, dignified, and affordable funerals, burials, and cremations. Their work reflected a broader memorial society movement across Canada that encouraged informed, planned end-of-life decisions grounded in accessibility, equity, and community care.
The initiative was supported by Harold Webber, Alberta’s Supervisor of Co-operative Activities, who felt a cooperative model could help keep decisions fair, transparent, and member-directed. This led to the formation of the Calgary and District Funeral Co-operative Ltd., registered under the Co-operatives Act. Built on cooperative principles—mutual support, member participation, and democratic governance—the society drew early leadership from major cooperative organizations such as the Alberta Dairy Pool, Co-operators, Calgary Co-op, and the Alberta Wheat Pool. At the first annual meeting in September 1966, Gil Jamieson was elected Chair, and the society secured its first contract with Foster’s Funeral Home—an important early step toward a member-focused approach to funeral planning.
Growth Through Accessibility and CooperationBy 2012, CMS had grown to more than 25,000 members across southern Alberta. To improve accessibility and service, CMS moved toward an online business model, streamlining membership management and helping more Albertans access clear, affordable funeral planning support.
In 2020, CMS adopted the name Cooperative Memorial Society, reflecting its cooperative roots and its focus on inclusive, community-based service. This shift supported stronger outreach, expanded resources, and new digital tools to help members plan ahead with greater clarity and confidence.
Between 2021 and 2022, CMS also welcomed memberships from two other Alberta memorial societies. Bringing these memberships together helped strengthen a province-wide approach and supported more consistent access to memorial society services across Alberta.
Moving ForwardIn September 2024, CMS launched its new domain, coopmemorial.org. While calgarymemorial.com remains an important part of CMS’s history, the new domain better reflects its province-wide focus and commitment to accessible, member-centred support.
On November 1, 2024, CMS appointed its first Executive Director, Terry Geib, following many years of board service. During this period of modernization, CMS strengthened its systems and services—moving from paper records to an online CRM, adding online commerce, and improving digital communication to make planning simpler and more accessible for members.
As CMS continues to evolve, its direction remains grounded in the same cooperative values that shaped its beginnings: access, belonging, and community. The goal is straightforward—helping Albertans plan ahead with practical support, clear information, and affordable options, so families are not left to navigate these decisions alone.
In April 1966, a diverse group of people from local cooperatives and the Unitarian Church in Calgary came together around a shared goal: to create a memorial society that would help individuals and families plan practical, dignified, and affordable funerals, burials, and cremations. Their work reflected a broader memorial society movement across Canada that encouraged informed, planned end-of-life decisions grounded in accessibility, equity, and community care.
The initiative was supported by Harold Webber, Alberta’s Supervisor of Co-operative Activities, who felt a cooperative model could help keep decisions fair, transparent, and member-directed. This led to the formation of the Calgary and District Funeral Co-operative Ltd., registered under the Co-operatives Act. Built on cooperative principles—mutual support, member participation, and democratic governance—the society drew early leadership from major cooperative organizations such as the Alberta Dairy Pool, Co-operators, Calgary Co-op, and the Alberta Wheat Pool. At the first annual meeting in September 1966, Gil Jamieson was elected Chair, and the society secured its first contract with Foster’s Funeral Home—an important early step toward a member-focused approach to funeral planning.
Growth Through Accessibility and CooperationBy 2012, CMS had grown to more than 25,000 members across southern Alberta. To improve accessibility and service, CMS moved toward an online business model, streamlining membership management and helping more Albertans access clear, affordable funeral planning support.
In 2020, CMS adopted the name Cooperative Memorial Society, reflecting its cooperative roots and its focus on inclusive, community-based service. This shift supported stronger outreach, expanded resources, and new digital tools to help members plan ahead with greater clarity and confidence.
Between 2021 and 2022, CMS also welcomed memberships from two other Alberta memorial societies. Bringing these memberships together helped strengthen a province-wide approach and supported more consistent access to memorial society services across Alberta.
Moving ForwardIn September 2024, CMS launched its new domain, coopmemorial.org. While calgarymemorial.com remains an important part of CMS’s history, the new domain better reflects its province-wide focus and commitment to accessible, member-centred support.
On November 1, 2024, CMS appointed its first Executive Director, Terry Geib, following many years of board service. During this period of modernization, CMS strengthened its systems and services—moving from paper records to an online CRM, adding online commerce, and improving digital communication to make planning simpler and more accessible for members.
As CMS continues to evolve, its direction remains grounded in the same cooperative values that shaped its beginnings: access, belonging, and community. The goal is straightforward—helping Albertans plan ahead with practical support, clear information, and affordable options, so families are not left to navigate these decisions alone.
YouTube Video Presentation: What are Funeral Co-operatives and Memorial Societies?
In Canada, memorial societies and funeral cooperatives offer vital support to individuals and families seeking dignified and affordable end-of-life arrangements. Memorial societies provide expert guidance and resources, often negotiating with local funeral homes to secure lower costs for their members. Funeral cooperatives, on the other hand, are member-owned and often manage funeral services directly, pooling resources to offer transparent, cost-effective options. Both models emphasize community connection, proactive planning, and fair access to essential services, easing the emotional and financial burdens of funeral arrangements. In the United States, a similar role is played by Funeral Consumer Alliances (FCAs). These nonprofit organizations focus on helping individuals and families make informed, affordable funeral arrangements through advocacy for consumer rights, transparency, and fair pricing. Whether in Canada or the United States, these organizations work to empower their members through education, compassionate support, and affordable end-of-life planning options. Together, they foster a culture of transparency and dignity, making it easier for families to navigate difficult times.
Memorial Societies in Canada
British Columbia
Funeral Co-operatives in Canada
This list may be updated. For more details, please visit: Find Funeral Cooperatives in Eastern Canada
Funeral Co-operative of Ottawa Inc.
419 St. Laurent Blvd, Ottawa ON K1K 2Z8 http://www.fco-cfo.coop [email protected] 613-288-2689
The Cooperative Funeral Home of the District of Sudbury
222 Lasalle Boulevard East, Sudbury, On. P3A 1W5 [email protected] https://www.cooperativefuneralhome.ca 705-566-2100
The Funeral Cooperatives Network
Fédération des coopératives funéraires du Québec
548 rue Dufferin, Sherbrooke, Quebec J1H 4N1 Website • Email [email protected] 819-566-6303
Funeral Co-operatives of PEI
http://www.peifuneralcoops.com/
Sunset Funeral Co-operative Ltd.
65 Crowdis Cross Road, Margaree Valley, NS. B0E 2C0
[email protected] http://www.sunsetfuneralco-op.com 902-248-2991
Fundy Funeral Home
230 Westmorland Road Saint John, NB E2J 2G3
506-646-2424
Passage Funeral Co-operative
625 Mountain Road, Moncton, NB. E1C 2P1
[email protected] 506-855-1145 / 1-888-532-1050
Chartersville Funeral Home
363 Amirault Street, Dieppe, NB. E1A 1G1
[email protected] 506-857-1901 / 1-888-532-1050
Download listing
Memorial Societies in Canada
British Columbia
- Memorial Society of British Columbia (MSBC)
Address: 949 West 49th Avenue, Vancouver, BC V5Z 2T1
Website: https://memorialsocietybc.org/
Email: [email protected]
Phone: 604-733-7705 / 1-888-816-5902 (Toll-Free)
- Cooperative Memorial Society
Address: Suite 204A, 223 12 Avenue SW
Website: https://coopmemorial.org
Email: [email protected]
Phone: 403-248-2044 / 1-800-566-9959 (Toll-Free)
- Funeral Advisory and Memorial Society of Saskatchewan (FAMSS)
Address: Box 1846, Saskatoon, SK S7K 3S2
Website: https://famss.ca/
Email: [email protected]
Phone: 306-374-5190
- Funeral Advisory and Memorial Society (FAMS)
Has participating funeral homes and/or transfer services in Ajax, Barrie, Bowmanville, Brampton, Cobourg, Colborne, Cookstown, Kitchener, Newcastle, Oakville, Orangeville, Oshawa, Ottawa, Peterborough, and Toronto. Information is also available concerning funeral providers within Hamilton, Kitchener-Waterloo and other parts of Southern Ontario.
Address: 107-307 Queen Street South, Kitchener, ON N2G 4V3
Website: https://www.fams.ca/
Email: [email protected]
Phone: 416-461-6274
Funeral Co-operatives in Canada
This list may be updated. For more details, please visit: Find Funeral Cooperatives in Eastern Canada
Funeral Co-operative of Ottawa Inc.
419 St. Laurent Blvd, Ottawa ON K1K 2Z8 http://www.fco-cfo.coop [email protected] 613-288-2689
The Cooperative Funeral Home of the District of Sudbury
222 Lasalle Boulevard East, Sudbury, On. P3A 1W5 [email protected] https://www.cooperativefuneralhome.ca 705-566-2100
The Funeral Cooperatives Network
Fédération des coopératives funéraires du Québec
548 rue Dufferin, Sherbrooke, Quebec J1H 4N1 Website • Email [email protected] 819-566-6303
Funeral Co-operatives of PEI
http://www.peifuneralcoops.com/
Sunset Funeral Co-operative Ltd.
65 Crowdis Cross Road, Margaree Valley, NS. B0E 2C0
[email protected] http://www.sunsetfuneralco-op.com 902-248-2991
Fundy Funeral Home
230 Westmorland Road Saint John, NB E2J 2G3
506-646-2424
Passage Funeral Co-operative
625 Mountain Road, Moncton, NB. E1C 2P1
[email protected] 506-855-1145 / 1-888-532-1050
Chartersville Funeral Home
363 Amirault Street, Dieppe, NB. E1A 1G1
[email protected] 506-857-1901 / 1-888-532-1050
Download listing
The Cooperative Memorial Society (CMS) wants to alert consumers to reports concerning the Memorial Society of Alberta, an entirely separate organization from CMS. Despite the similar name, this organization is not affiliated with CMS in any way.
We have received concerns that the funeral service provider contracted by the Memorial Society of Alberta may not consistently honor advertised rates. Some families have reported encountering upselling tactics after being led to believe that CMS membership benefits and pricing would apply—only to later face unexpected costs, sometimes amounting to thousands of dollars.
The designated provider for the Memorial Society of Alberta is First Memorial South Calgary Funeral Centre, located at 12700 Macleod Trail South in Calgary. This funeral home operates under Dignity Memorial, a brand owned by Service Corporation International (SCI), a U.S.-based corporate chain. Consumers should be aware of these business affiliations and exercise caution. Any concerns should be reported to the Alberta Funeral Services Regulatory Board to ensure transparency and accountability in the industry.
CMS exclusively partners with locally owned funeral homes to provide ethical, transparent, and affordable end-of-life planning. We do not tolerate upselling practices and remain committed to ensuring our members receive the full benefits of their CMS membership.
For more information, contact:
📧 [email protected]
📞 403-248-2044
🌐 coopmemorial.org
We have received concerns that the funeral service provider contracted by the Memorial Society of Alberta may not consistently honor advertised rates. Some families have reported encountering upselling tactics after being led to believe that CMS membership benefits and pricing would apply—only to later face unexpected costs, sometimes amounting to thousands of dollars.
The designated provider for the Memorial Society of Alberta is First Memorial South Calgary Funeral Centre, located at 12700 Macleod Trail South in Calgary. This funeral home operates under Dignity Memorial, a brand owned by Service Corporation International (SCI), a U.S.-based corporate chain. Consumers should be aware of these business affiliations and exercise caution. Any concerns should be reported to the Alberta Funeral Services Regulatory Board to ensure transparency and accountability in the industry.
CMS exclusively partners with locally owned funeral homes to provide ethical, transparent, and affordable end-of-life planning. We do not tolerate upselling practices and remain committed to ensuring our members receive the full benefits of their CMS membership.
For more information, contact:
📧 [email protected]
📞 403-248-2044
🌐 coopmemorial.org
Planning Resources
This checklist offers a helpful guide to planning ahead, making it easier to ensure your wishes are honoured and your loved ones are cared for during life’s difficult moments. By taking the time to plan while you are well and can think clearly, you give yourself and your loved ones the gift of peace of mind and clear guidance for the future.
Planning for end-of-life arrangements can be daunting, but knowing your options can make the process more manageable. In Alberta, there are several ways to handle a loved one’s remains, each with its own legal, cultural, and financial considerations. Here’s an overview to help you make an informed decision.
1. Burial
Burial is a traditional and time-honoured method of body disposition. In Alberta, burial typically involves placing the body in a casket and interring it in a cemetery plot. Here are the key points to consider:
2. Cremation
Cremation is another common choice in Alberta, and the most common amongst CMS members due to its affordability. The process involves reducing the body to ashes through intense heat. It is often chosen for its simplicity and flexibility regarding memorial services.
3. Aquamation (Alkaline Hydrolysis)(Not Yet Available in Alberta)
Aquamation, also known as water cremation or alkaline hydrolysis, is an eco-friendly alternative to traditional cremation. It uses water and potassium hydroxide to accelerate natural decomposition.
4. Body Donation
Donating your body to science is a meaningful way to contribute to medical research and education. In Alberta, the University of Calgary and the University of Alberta both accept whole-body donations.
5. Human Composting (Terramation)(Not Yet Available in Alberta)
Human composting, also known as Terramation or Natural Organic Reduction (NOR), is an emerging disposition method that transforms the body into nutrient-rich soil through natural decomposition.
Choosing the Right Option
When considering body disposition, it’s essential to weigh your personal, cultural, and financial preferences. Speak openly with your family about your wishes and document your choices clearly, either in a will or as part of your end-of-life planning documents.
If you’re a member of the Cooperative Memorial Society (CMS), our partnerships with locally-owned funeral homes can help you access affordable, dignified disposition options. Feel free to reach out to us for guidance and support as you make these important decisions.
For more information on planning ahead or becoming a CMS member, visit our website or contact us directly. We’re here to help you navigate this challenging process with clarity and compassion.
1. Burial
Burial is a traditional and time-honoured method of body disposition. In Alberta, burial typically involves placing the body in a casket and interring it in a cemetery plot. Here are the key points to consider:
- Cemetery Choice: There are public, private, and religious cemeteries across the province. Costs can vary widely based on location and plot type.
- Green Burials: An increasingly popular option, green burials aim to minimize environmental impact by using biodegradable caskets and eliminating embalming. Designated green burial sites are available in Alberta.
- Vault Requirement: Many cemeteries require a concrete vault to encase the casket, which helps maintain the plot's structure but increases the cost.
- Grave Markers: These can range from simple plaques to elaborate monuments and must comply with cemetery regulations.
2. Cremation
Cremation is another common choice in Alberta, and the most common amongst CMS members due to its affordability. The process involves reducing the body to ashes through intense heat. It is often chosen for its simplicity and flexibility regarding memorial services.
- Ashes Handling: Families can choose to scatter, bury, or store the ashes in an urn. Scattering ashes on private property requires the owner’s permission.
- Columbarium Niches: Many cemeteries offer columbaria—structures designed to hold urns—in addition to burial plots.
- Scattering Gardens: Some cemeteries have designated areas for scattering ashes.
- Memorialization: Families can still hold traditional services or celebrations of life following cremation.
3. Aquamation (Alkaline Hydrolysis)(Not Yet Available in Alberta)
Aquamation, also known as water cremation or alkaline hydrolysis, is an eco-friendly alternative to traditional cremation. It uses water and potassium hydroxide to accelerate natural decomposition.
- Environmental Impact: Aquamation produces fewer emissions and uses less energy than flame cremation.
- Ashes Returned: Similar to cremation, the remaining bone fragments are processed into ashes and returned to the family.
- Availability: Though still not available in Alberta, it has been legalized in some provinces and states. Interest in this option is growing, and future legislation may allow for its adoption.
4. Body Donation
Donating your body to science is a meaningful way to contribute to medical research and education. In Alberta, the University of Calgary and the University of Alberta both accept whole-body donations.
- No Cost to Families: Typically, the medical school covers the cost of cremation once studies are complete.
- Pre-Registration Required: You must make arrangements in advance, as not all bodies are accepted at the time of death.
- Memorial Services: Families can still hold a separate memorial service, as remains may not be returned promptly.
5. Human Composting (Terramation)(Not Yet Available in Alberta)
Human composting, also known as Terramation or Natural Organic Reduction (NOR), is an emerging disposition method that transforms the body into nutrient-rich soil through natural decomposition.
- Environmental Benefits: The process is carbon-neutral and produces nutrient-rich soil that can be used in gardens or natural settings.
- Process: The body is placed in a vessel with organic materials like straw and wood chips, allowing natural microbial activity to break down the remains over several weeks.
- Availability: Currently legal in some U.S. states, but not yet permitted in Alberta. There is increasing public interest, and advocacy efforts may eventually lead to legislative changes.
Choosing the Right Option
When considering body disposition, it’s essential to weigh your personal, cultural, and financial preferences. Speak openly with your family about your wishes and document your choices clearly, either in a will or as part of your end-of-life planning documents.
If you’re a member of the Cooperative Memorial Society (CMS), our partnerships with locally-owned funeral homes can help you access affordable, dignified disposition options. Feel free to reach out to us for guidance and support as you make these important decisions.
For more information on planning ahead or becoming a CMS member, visit our website or contact us directly. We’re here to help you navigate this challenging process with clarity and compassion.
Cremation has become an increasingly popular choice for end-of-life arrangements in Alberta, offering flexibility, affordability, and a range of memorial options. Whether your family has chosen cremation for practical or personal reasons, it’s important to understand how to manage and honour cremated remains responsibly.
General Guidelines for Scattering Ashes in Alberta
The rules for scattering ashes in Alberta are relatively flexible, allowing for respectful and meaningful tributes to loved ones. Here’s what you need to know:
Specific Locations for Scattering
Transporting Cremated Remains
Whether you are moving cremated remains across town or internationally, there are important legal and logistical considerations:
Documentation and Permissions
Domestic Transport
International Transport
Common Questions about Cremation in Alberta
What is the average cost of cremation in Alberta?
A simple, basic cremation may cost around $1,650 or more in rural areas, while a cremation with a service and additional arrangements may cost up to $7,500 or more. Costs vary by city and provider.
Can cremation be done immediately?
Generally, cremation takes place within 2–5 days after completing the necessary legal paperwork. The funeral home will manage these requirements.
What options are available for cremated remains?
Options include burial in a cemetery, placement in a columbarium, keeping the urn at home, or scattering in a natural area. Regulations vary by province.
Do I have to collect the cremated remains?
Yes. Funeral homes are not a permanent resting place for cremated remains. Consider a cemetery, columbarium, or scattering garden for long-term placement.
Are urns required?
Legally, no. However, urns are recommended if the remains will be displayed or interred. If an urn is not purchased, the remains are usually returned in a temporary container.
Does cremation contribute to environmental pollution?
Cremation facilities must comply with environmental regulations, minimizing the impact on air quality and emissions.
Respect and Remembrance
Managing cremated remains responsibly is an important part of honouring your loved one’s memory. Whether you choose to scatter ashes in a cherished location, place them in a columbarium, or keep them close to home, it’s essential to follow local regulations and be mindful of environmental considerations.
If you have questions or need assistance with arranging cremation services, CMS’s contracted funeral service providers are here to help. They can guide you through every step, ensuring your family’s wishes are respected and carried out with care.
General Guidelines for Scattering Ashes in Alberta
The rules for scattering ashes in Alberta are relatively flexible, allowing for respectful and meaningful tributes to loved ones. Here’s what you need to know:
- Permission: Always obtain permission from landowners or governing authorities when scattering ashes on private property or in public spaces.
- Public Spaces: Scattering ashes in public areas, such as parks or natural reserves, may require special permission from local authorities or the managing organization.
- Waterways: Be sure that scattering ashes in lakes, rivers, or other water bodies does not violate local regulations, trespass on private property, or harm the environment.
- Respect and Sensitivity: Choose a location that is not heavily trafficked to avoid causing distress to others. Be mindful of the environmental impact and the feelings of others who may visit the area.
- Packaging: Always remove ashes from non-biodegradable containers before scattering to minimize environmental impact.
Specific Locations for Scattering
- National and Provincial Parks: Scattering ashes on unoccupied provincial government-owned Crown land or water, including provincial parks, is permitted without official approval. However, be mindful of public health concerns by avoiding scattering near water treatment intakes, facilities, or areas where recreational water activities occur.
- Cemeteries: Some cemeteries have designated scattering gardens. Always check with cemetery management for specific rules and regulations.
Transporting Cremated Remains
Whether you are moving cremated remains across town or internationally, there are important legal and logistical considerations:
Documentation and Permissions
- Death Certificate: Obtain a certified copy.
- Cremation Certificate: Issued by the crematory that performed the cremation.
- Permit for Disposition: May be required by some jurisdictions.
- Letter of Consent: Necessary for international transport, particularly when crossing borders.
Domestic Transport
- By Air: Check airline policies in advance. Use a sturdy, leak-proof container that can pass through X-ray machines. Airlines often prefer carry-on over checked baggage to reduce the risk of loss or damage.
- By Mail: Only ship through authorized services such as Canada Post using Priority or Xpresspost. Properly package the remains in a sealed inner container and a durable, sift-proof outer container.
International Transport
- Consulate/Embassy Regulations: Verify the specific requirements of the destination country.
- Translation of Documents: Some countries require translated copies of the death and cremation certificates.
- Customs Declarations: Be prepared to declare the cremated remains at customs checkpoints.
Common Questions about Cremation in Alberta
What is the average cost of cremation in Alberta?
A simple, basic cremation may cost around $1,650 or more in rural areas, while a cremation with a service and additional arrangements may cost up to $7,500 or more. Costs vary by city and provider.
Can cremation be done immediately?
Generally, cremation takes place within 2–5 days after completing the necessary legal paperwork. The funeral home will manage these requirements.
What options are available for cremated remains?
Options include burial in a cemetery, placement in a columbarium, keeping the urn at home, or scattering in a natural area. Regulations vary by province.
Do I have to collect the cremated remains?
Yes. Funeral homes are not a permanent resting place for cremated remains. Consider a cemetery, columbarium, or scattering garden for long-term placement.
Are urns required?
Legally, no. However, urns are recommended if the remains will be displayed or interred. If an urn is not purchased, the remains are usually returned in a temporary container.
Does cremation contribute to environmental pollution?
Cremation facilities must comply with environmental regulations, minimizing the impact on air quality and emissions.
Respect and Remembrance
Managing cremated remains responsibly is an important part of honouring your loved one’s memory. Whether you choose to scatter ashes in a cherished location, place them in a columbarium, or keep them close to home, it’s essential to follow local regulations and be mindful of environmental considerations.
If you have questions or need assistance with arranging cremation services, CMS’s contracted funeral service providers are here to help. They can guide you through every step, ensuring your family’s wishes are respected and carried out with care.
Choosing a casket or urn for a loved one is an emotional and deeply personal decision. For some, this choice reflects cultural traditions, environmental values, or personal preferences. Fortunately, Alberta's funeral services law recognizes these individual needs and grants families the right to provide their own casket or urn, as long as it meets specific legal and practical requirements.
Understanding Your Rights
While funeral service providers typically offer a range of caskets and urns in various styles and price points, you are not obligated to purchase one from them. Alberta law ensures that you can bring your own casket or urn, whether it is purchased from another supplier or crafted independently. However, any container must meet the specifications set out in the Public Health Act to ensure safety and suitability. Funeral homes cannot charge extra fees for using your own container, protecting consumers from unnecessary financial burdens.
Key Requirements for Caskets and UrnsTo ensure compliance and avoid potential issues, it’s important to understand the specifications for caskets and urns under Alberta law:
Planning Ahead
Bringing your own casket or urn can be a meaningful way to personalize a loved one’s final arrangements. For example, a hand-crafted urn or casket can reflect the deceased’s personality or family traditions. Many people also choose this option for cost savings or to select eco-friendly materials that align with their values. However, it’s essential to plan ahead:
Bringing your own casket or urn is just one way Alberta’s funeral laws empower families to make decisions that reflect their wishes and values. By understanding your rights and taking proactive steps, you can honour your loved one in a way that feels meaningful and true to their memory.
For further guidance, consult with your chosen funeral service provider or reach out to the Cooperative Memorial Society for more information on planning ahead.
Understanding Your Rights
While funeral service providers typically offer a range of caskets and urns in various styles and price points, you are not obligated to purchase one from them. Alberta law ensures that you can bring your own casket or urn, whether it is purchased from another supplier or crafted independently. However, any container must meet the specifications set out in the Public Health Act to ensure safety and suitability. Funeral homes cannot charge extra fees for using your own container, protecting consumers from unnecessary financial burdens.
Key Requirements for Caskets and UrnsTo ensure compliance and avoid potential issues, it’s important to understand the specifications for caskets and urns under Alberta law:
- Strength: The container must be durable enough to securely contain and transport the remains.
- Sealing: It must be capable of being closed to prevent visibility and ensure dignified handling.
- Safety: Leak-proof construction is essential to prevent health risks.
- Rigidity: The casket or urn must be sturdy and maintain its shape during handling.
- Cemetery Restrictions: Cemeteries may have additional requirements regarding size or materials. It’s crucial to confirm these details with the cemetery in advance.
- Combustibility: It must be fully combustible, without any materials that cannot burn (e.g., metal, plastic, fiberglass).
- No Restricted Materials: The use of non-compliant materials could cause delays or additional costs
Planning Ahead
Bringing your own casket or urn can be a meaningful way to personalize a loved one’s final arrangements. For example, a hand-crafted urn or casket can reflect the deceased’s personality or family traditions. Many people also choose this option for cost savings or to select eco-friendly materials that align with their values. However, it’s essential to plan ahead:
- Consult with the Funeral Home: Before finalizing your choice, communicate with your funeral service provider to confirm that the casket or urn meets their requirements.
- Understand Cemetery Rules: If burial or interment is planned, check with the cemetery about any restrictions or guidelines.
- Review Relevant Laws: Familiarize yourself with Alberta's Public Health Act and other applicable regulations to ensure compliance.
Bringing your own casket or urn is just one way Alberta’s funeral laws empower families to make decisions that reflect their wishes and values. By understanding your rights and taking proactive steps, you can honour your loved one in a way that feels meaningful and true to their memory.
For further guidance, consult with your chosen funeral service provider or reach out to the Cooperative Memorial Society for more information on planning ahead.
Many Cooperative Memorial Society members love to travel — whether visiting family, wintering down south, or exploring new destinations. But few of us consider the challenges our loved ones could face if death occurs far from home.That’s where Journey Home Insurance, offered by TruStage Life of Canada and similar providers, brings peace of mind — especially when coordinated with CMS’s trusted Alberta funeral service partners.
What It Covers
Journey Home provides lifetime coverage for a one-time premium of about $600 per person, ensuring you are returned home safely and respectfully if death occurs more than 100 km from your residence, anywhere in the world.
Coverage includes:
Why It Matters
Without coverage, families can face costs of $10,000–$30,000 or more for transportation, documentation, and local funeral services. They may also need to manage these arrangements from afar — a stressful and confusing process during an already difficult time.
With Journey Home, one phone call provides immediate, 24/7 professional support to coordinate everything — including returning you to your CMS funeral service provider in Alberta, such as McInnis & Holloway in Calgary or Cornerstone in Lethbridge.
The Value for CMS Members
As CMS members, we understand the importance of planning ahead and lightening the load for loved ones. Journey Home coverage extends that protection beyond Alberta’s borders, offering:
Two Numbers Every Traveller Should Share
Once your plan is in place, give your loved ones these two essential phone numbers:
What It Covers
Journey Home provides lifetime coverage for a one-time premium of about $600 per person, ensuring you are returned home safely and respectfully if death occurs more than 100 km from your residence, anywhere in the world.
Coverage includes:
- Transportation of your remains to your home community
- Coordination between funeral homes at both locations, including our local CMS partner funeral home in Alberta
- All required documentation, customs, and consular arrangements
- 24-hour assistance for family members and companions
- Travel coordination for surviving family members and pets, ensuring everyone returns home safely
Why It Matters
Without coverage, families can face costs of $10,000–$30,000 or more for transportation, documentation, and local funeral services. They may also need to manage these arrangements from afar — a stressful and confusing process during an already difficult time.
With Journey Home, one phone call provides immediate, 24/7 professional support to coordinate everything — including returning you to your CMS funeral service provider in Alberta, such as McInnis & Holloway in Calgary or Cornerstone in Lethbridge.
The Value for CMS Members
As CMS members, we understand the importance of planning ahead and lightening the load for loved ones. Journey Home coverage extends that protection beyond Alberta’s borders, offering:
- Peace of mind for your family and pets
- Financial protection from unexpected costs
- Professional coordination with your CMS funeral home
- Lifetime assurance for a one-time, modest premium
Two Numbers Every Traveller Should Share
Once your plan is in place, give your loved ones these two essential phone numbers:
- The number to call if death occurs more than 100 km from your Canadian residence (provided by your Journey Home plan), and
- The number of your chosen CMS funeral service provider in Alberta.
An obituary lets friends and family know about your loved one—and it can become an important historical record for your family. It is also a tribute to the person who has died. It usually shares a short account of their life, announces their death, and provides details about any funeral or memorial service. If you would like help, our CMS funeral service providers can assist with creating and submitting obituaries (typically for an additional fee). Here are some tips to help you do it yourself.
Quick start (10 minutes)
1) Gather the key facts using the checklist on page 2.
2) Draft a short newspaper version first (to control costs).
3) Expand a longer version for the funeral home website or online sharing.
4) Proofread carefully, then submit electronically and request a proof if available.
Optional help: Using AI to draft an obituary
AI (artificial intelligence) tools can help you turn notes into a first draft. Think of AI as a writing assistant—not an expert. You are always in control, and you should review and edit the draft for accuracy and tone.
How to use AI safely and effectively
• Start with your own notes: names, dates, relationships, service details, and 3–6 personal memories or qualities.
• Protect privacy: avoid sharing sensitive details (for example: exact home address, banking information, or details that could increase fraud risk).
• Check every fact: AI can make mistakes. Verify spelling of names, dates, locations, and relationships.
• Keep it family-centred: adjust wording so it sounds like you and reflects your loved one’s voice and values.
• Make two drafts: ask AI for a short newspaper version and a longer website version.
If you’re new to AI, here’s a simple approach:
1) Write a few bullet points about your loved one (use the worksheet in this guide).
2) Copy those bullets into an AI tool and ask for a draft obituary.
3) Edit the draft, then have another family member proofread it.
Copy/paste prompts you can use in AI
Prompt A (short newspaper version): “Using the notes below, write a newspaper obituary under 120 words. Keep it simple and factual. Include service details.”
Prompt B (longer website version): “Using the notes below, write a warm 350–500 word obituary for a funeral home website. Include a short story or personality details.”
Prompt C (tone options): “Rewrite this obituary draft in a more [traditional / plain language / faith-based / celebratory] tone while keeping all facts the same.”
Prompt D (proofread): “Check this draft for clarity and grammar. Do not change names, dates, or service details.”
Important: If you use an online tool provided by a funeral home (such as an obituary writing assistant), follow their on-screen steps carefully to ensure your draft is saved or shared with them.
Optional tool: McInnis & Holloway Obituary Writing Assistant
If your funeral provider is McInnis & Holloway, you can use their online Obituary Writing Assistant to help you draft a more personalized obituary. The draft should be reviewed carefully for accuracy before you share it or submit it for publication.
How it works (important tips)
• The more information you enter, the more complete the draft will be.
• It’s okay to leave fields blank. Some tools allow you to type “not applicable” to remove prompts.
• After you click “Submit,” the draft may take a short time to generate and you may not see a loading indicator—click only once and wait.
• Your draft is not published online or sent to newspapers until you approve it.
• Follow the on-screen steps to ensure your draft is saved/shared with the funeral home (for example: paste the obituary, then click “Continue” and “Finish” if prompted).
• Always proofread and edit the draft before sharing.
McInnis & Holloway Obituary Writing Assistant: https://www.mhfh.com/writing-assistant-tools/obituary-writing-assistant
CMS note
Not all funeral homes use the same tools or submission steps. If you’re working with a different provider, ask them what options they offer for drafting and submitting obituaries.
Step-by-step process
Step 1: Check the newspaper style
Newspapers often have formatting rules and may charge by length. Review the obituary section of your local paper or ask your funeral home if they have a template.
Step 2: Create two versions
A short version for newspapers (to manage cost) and a longer version for the funeral home website or online platforms.
Step 3: Set a budget
Ask for pricing or word-count guidance. Adjust the newspaper version to fit your budget before you submit.
Step 4: Watch deadlines
Daily newspapers may have afternoon deadlines. Submit as early as possible to reduce the risk of errors.
Step 5: Gather information
Use the checklist on page 2. Missing details can often be confirmed by calling family and friends.
Step 6: Write the obituary
Use the templates at the end of this guide. Start with the short version, then expand for the long version.
Step 7: Proofread
Have at least one other person review spelling, names, dates, and locations.
Step 8: Submit electronically
Email or use the newspaper’s online form. Electronic submission reduces the chance of transcription errors.
Step 9: Request a proof (if available)
A proof lets you catch mistakes before printing. Ask the newspaper how proofs are provided.
Step 10: Consider other newspapers
If your loved one had ties to other communities, you may choose to publish in additional places.
Step 11: Check the published obituary
If there is an error, contact the newspaper right away. Some papers will correct or reprint at no cost.
Helpful privacy tip
Consider avoiding personal details that could increase risk of fraud (for example: exact home address, unoccupied-home dates, or overly specific travel plans).
If you include donation instructions, list the charity name and (optionally) a general website name, but avoid posting banking details.
Two-version approach
Short newspaper version: Focus on the essentials and service details. Newspapers often charge by length.
Long website version: Add stories, personality, and the fuller life narrative. Online platforms usually have no length limits.
Optional linking sentence (newspaper version)
“For a complete obituary and more about [Name]’s life, please visit [Funeral Home Website].”
Information checklist and worksheet
Use this prompts to collect the information needed. Fill in what you know and leave blanks to confirm later.
Templates (copy, paste, and customize)
Tip: Write the short newspaper version first, then reuse and expand it for the longer version.
Template 1 - Short newspaper obituary
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
[Optional: brief line about family role or legacy, e.g., “A beloved [mother/father/partner/friend]...”]
Survived by: [list names and relationships; separate with semicolons].
[Optional: Predeceased by: ...]
[SERVICE] will be held at [TIME] on [DATE] at [LOCATION].
[Optional: In lieu of flowers, donations may be made to [CHARITY].]
For a complete obituary, please visit [FUNERAL HOME WEBSITE].
Template 2 - Longer obituary for funeral home website
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
[First name] was born to [PARENTS’ NAMES] on [BIRTH DATE] in [BIRTHPLACE].
[He/She/They] [grew up in... / moved to... / built a life in...].
[Education and career: schools, training, profession, years, achievements.]
[Community: clubs, volunteering, faith community, service, passions.]
[Personal: hobbies, favourite things, personality, a short story or memory.]
[First name] is survived by [family list]. [Optional: predeceased by...].
A [SERVICE/CELEBRATION OF LIFE] will be held at [TIME] on [DATE] at [LOCATION].
[Optional: reception details.]
In lieu of flowers, the family requests donations be made to [CHARITY/CAUSE].
Template 3 - Notice when service details are not finalized
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
Funeral arrangements are being handled by [FUNERAL HOME NAME].
Service details will be announced when confirmed.
Useful wording options
Quick start (10 minutes)
1) Gather the key facts using the checklist on page 2.
2) Draft a short newspaper version first (to control costs).
3) Expand a longer version for the funeral home website or online sharing.
4) Proofread carefully, then submit electronically and request a proof if available.
Optional help: Using AI to draft an obituary
AI (artificial intelligence) tools can help you turn notes into a first draft. Think of AI as a writing assistant—not an expert. You are always in control, and you should review and edit the draft for accuracy and tone.
How to use AI safely and effectively
• Start with your own notes: names, dates, relationships, service details, and 3–6 personal memories or qualities.
• Protect privacy: avoid sharing sensitive details (for example: exact home address, banking information, or details that could increase fraud risk).
• Check every fact: AI can make mistakes. Verify spelling of names, dates, locations, and relationships.
• Keep it family-centred: adjust wording so it sounds like you and reflects your loved one’s voice and values.
• Make two drafts: ask AI for a short newspaper version and a longer website version.
If you’re new to AI, here’s a simple approach:
1) Write a few bullet points about your loved one (use the worksheet in this guide).
2) Copy those bullets into an AI tool and ask for a draft obituary.
3) Edit the draft, then have another family member proofread it.
Copy/paste prompts you can use in AI
Prompt A (short newspaper version): “Using the notes below, write a newspaper obituary under 120 words. Keep it simple and factual. Include service details.”
Prompt B (longer website version): “Using the notes below, write a warm 350–500 word obituary for a funeral home website. Include a short story or personality details.”
Prompt C (tone options): “Rewrite this obituary draft in a more [traditional / plain language / faith-based / celebratory] tone while keeping all facts the same.”
Prompt D (proofread): “Check this draft for clarity and grammar. Do not change names, dates, or service details.”
Important: If you use an online tool provided by a funeral home (such as an obituary writing assistant), follow their on-screen steps carefully to ensure your draft is saved or shared with them.
Optional tool: McInnis & Holloway Obituary Writing Assistant
If your funeral provider is McInnis & Holloway, you can use their online Obituary Writing Assistant to help you draft a more personalized obituary. The draft should be reviewed carefully for accuracy before you share it or submit it for publication.
How it works (important tips)
• The more information you enter, the more complete the draft will be.
• It’s okay to leave fields blank. Some tools allow you to type “not applicable” to remove prompts.
• After you click “Submit,” the draft may take a short time to generate and you may not see a loading indicator—click only once and wait.
• Your draft is not published online or sent to newspapers until you approve it.
• Follow the on-screen steps to ensure your draft is saved/shared with the funeral home (for example: paste the obituary, then click “Continue” and “Finish” if prompted).
• Always proofread and edit the draft before sharing.
McInnis & Holloway Obituary Writing Assistant: https://www.mhfh.com/writing-assistant-tools/obituary-writing-assistant
CMS note
Not all funeral homes use the same tools or submission steps. If you’re working with a different provider, ask them what options they offer for drafting and submitting obituaries.
Step-by-step process
Step 1: Check the newspaper style
Newspapers often have formatting rules and may charge by length. Review the obituary section of your local paper or ask your funeral home if they have a template.
Step 2: Create two versions
A short version for newspapers (to manage cost) and a longer version for the funeral home website or online platforms.
Step 3: Set a budget
Ask for pricing or word-count guidance. Adjust the newspaper version to fit your budget before you submit.
Step 4: Watch deadlines
Daily newspapers may have afternoon deadlines. Submit as early as possible to reduce the risk of errors.
Step 5: Gather information
Use the checklist on page 2. Missing details can often be confirmed by calling family and friends.
Step 6: Write the obituary
Use the templates at the end of this guide. Start with the short version, then expand for the long version.
Step 7: Proofread
Have at least one other person review spelling, names, dates, and locations.
Step 8: Submit electronically
Email or use the newspaper’s online form. Electronic submission reduces the chance of transcription errors.
Step 9: Request a proof (if available)
A proof lets you catch mistakes before printing. Ask the newspaper how proofs are provided.
Step 10: Consider other newspapers
If your loved one had ties to other communities, you may choose to publish in additional places.
Step 11: Check the published obituary
If there is an error, contact the newspaper right away. Some papers will correct or reprint at no cost.
Helpful privacy tip
Consider avoiding personal details that could increase risk of fraud (for example: exact home address, unoccupied-home dates, or overly specific travel plans).
If you include donation instructions, list the charity name and (optionally) a general website name, but avoid posting banking details.
Two-version approach
Short newspaper version: Focus on the essentials and service details. Newspapers often charge by length.
Long website version: Add stories, personality, and the fuller life narrative. Online platforms usually have no length limits.
Optional linking sentence (newspaper version)
“For a complete obituary and more about [Name]’s life, please visit [Funeral Home Website].”
Information checklist and worksheet
Use this prompts to collect the information needed. Fill in what you know and leave blanks to confirm later.
- Full legal name
- Preferred name / nickname (if used)
- Age
- Date of death
- City / province of residence
- Date of birth
- Birthplace
- Parents (include “late” if deceased)
- Spouse / partner (include “late” if deceased)
- Children (names and locations if desired)
- Grandchildren / great-grandchildren (names or count)
- Siblings (optional)
- Close friends, pets, or special mentions (optional)
- Education (schools, degrees, years)
- Career / service / achievements
- Clubs, volunteer work, community involvement
- Hobbies, interests, personality notes
- Cause of death (optional)
- Service details (date, time, location)
- Reception details (optional)
- Burial / interment details (optional)
- If plans are not final: funeral home name to reference
- Donation or “in lieu of flowers” instructions (optional)
- Photo to publish (optional)
- Newspaper(s) and deadline(s)
- Budget / estimated cost
- Who will proofread
Templates (copy, paste, and customize)
Tip: Write the short newspaper version first, then reuse and expand it for the longer version.
Template 1 - Short newspaper obituary
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
[Optional: brief line about family role or legacy, e.g., “A beloved [mother/father/partner/friend]...”]
Survived by: [list names and relationships; separate with semicolons].
[Optional: Predeceased by: ...]
[SERVICE] will be held at [TIME] on [DATE] at [LOCATION].
[Optional: In lieu of flowers, donations may be made to [CHARITY].]
For a complete obituary, please visit [FUNERAL HOME WEBSITE].
Template 2 - Longer obituary for funeral home website
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
[First name] was born to [PARENTS’ NAMES] on [BIRTH DATE] in [BIRTHPLACE].
[He/She/They] [grew up in... / moved to... / built a life in...].
[Education and career: schools, training, profession, years, achievements.]
[Community: clubs, volunteering, faith community, service, passions.]
[Personal: hobbies, favourite things, personality, a short story or memory.]
[First name] is survived by [family list]. [Optional: predeceased by...].
A [SERVICE/CELEBRATION OF LIFE] will be held at [TIME] on [DATE] at [LOCATION].
[Optional: reception details.]
In lieu of flowers, the family requests donations be made to [CHARITY/CAUSE].
Template 3 - Notice when service details are not finalized
[FULL NAME], [AGE], of [CITY], passed away on [DAY/DATE].
Funeral arrangements are being handled by [FUNERAL HOME NAME].
Service details will be announced when confirmed.
Useful wording options
- Passed away / died / peacefully passed away (choose what feels right for your family).
- Predeceased by (for close family who died earlier).
- Survived by (for living family members).
- In lieu of flowers / Donations in memory of [Name] may be made to...
- A private service will be held (if not open to the public).
- A celebration of life will be held (often used for less formal gatherings).
- Correct spelling of every name (especially last names).
- Correct dates (birth, death, service).
- Correct locations and addresses (funeral home, church, cemetery).
- Relationships are accurate and no one important is missed.
- Donation details are correct.
- One person is identified as the main contact for changes.
Talking about death and dying can feel uncomfortable—but it’s an inevitable part of life. When we acknowledge that reality, we can live with more intention and focus on what truly matters. Open conversations about death can reduce fear and uncertainty, deepen family connections, and make practical planning much easier for everyone.
Three Reasons to Talk About Death With Your Family
1) It reduces fear and uncertainty
Avoiding the topic can make worries feel bigger and leave important questions unanswered. A clear, honest conversation often brings relief and peace of mind—especially when loved ones understand your wishes. Planning ahead (including funeral planning) can make the subject less intimidating and help reassure family members that your choices will be respected.
2) It strengthens family connections
Sharing your end-of-life preferences helps others understand your values and what matters most to you. These talks can bring families closer, create clarity, and reduce the chance of misunderstandings or conflict during a stressful time.
3) It encourages other important conversations
Once the door is open, people often find it easier to talk about related topics—healthcare decisions, legal documents, and financial planning. Discussing these early helps ensure your wishes are known and your family feels prepared.
How to Start the Conversation
Starting can be the hardest part. A few simple approaches can help:
Death Cafés
A Death Café is a group-directed conversation about death, with no set agenda or objectives. People gather (often with tea and cake) to share thoughts on mortality in a relaxed, respectful, and confidential space. The purpose is to increase awareness of death and support people in making the most of their finite lives.
More Information
Here are a few resources that support death-positive thinking and conversation-starting:
Three Reasons to Talk About Death With Your Family
1) It reduces fear and uncertainty
Avoiding the topic can make worries feel bigger and leave important questions unanswered. A clear, honest conversation often brings relief and peace of mind—especially when loved ones understand your wishes. Planning ahead (including funeral planning) can make the subject less intimidating and help reassure family members that your choices will be respected.
2) It strengthens family connections
Sharing your end-of-life preferences helps others understand your values and what matters most to you. These talks can bring families closer, create clarity, and reduce the chance of misunderstandings or conflict during a stressful time.
3) It encourages other important conversations
Once the door is open, people often find it easier to talk about related topics—healthcare decisions, legal documents, and financial planning. Discussing these early helps ensure your wishes are known and your family feels prepared.
How to Start the Conversation
Starting can be the hardest part. A few simple approaches can help:
- Name your intention: “I want to plan ahead so this is easier on you later.”
- Keep it practical: Frame it as planning, not “a heavy talk.”
- Choose a calm moment: A quiet walk, car ride, or after a family meal can work well.
- Start small: One question is enough to begin.
Death Cafés
A Death Café is a group-directed conversation about death, with no set agenda or objectives. People gather (often with tea and cake) to share thoughts on mortality in a relaxed, respectful, and confidential space. The purpose is to increase awareness of death and support people in making the most of their finite lives.
More Information
Here are a few resources that support death-positive thinking and conversation-starting:
- McGill’s Death Café: A Safe Space to Talk About Life and Death (CBC News)
- How to Create a Death-Positive Mindset (Dr. Karen Wyatt)
- Podcast: Aging Well: 100 is the New 80 (Dr. Karen Wyatt and Larry George, MD)
- Talking About Death – Games and Conversation Starters (Compassionate Alberta)
1) Personal Directive
Purpose: A legal document that lets you name someone to make personal decisions for you if you can’t, due to illness or injury.
Key decisions covered: Health care, accommodation, personal services, and other non-financial matters.
Why it matters: Helps ensure your personal care preferences are honoured—and relieves loved ones from making difficult choices without guidance.
2) Enduring Power of Attorney
Purpose: A legal document that designates someone to make financial and legal decisions for you if you lose mental capacity.
Key decisions covered: Managing finances, paying bills, selling property, handling investments.
Why it matters: Protects your financial interests, maintains continuity, and can avoid the need for court intervention.
3) Financial Plans (Including Will and Estate Plans)
Purpose: Plans that outline how your assets, property, and financial affairs will be managed and distributed, including your will.
Key components: Naming an executor, guardianship of minor children, asset distribution, and minimizing tax implications.
Why it matters: Ensures your wishes are followed, helps prevent disputes, and reduces legal/administrative burden for your family.
4) Funeral and Burial Plans
Purpose: Instructions for your funeral and burial preferences, including any pre-planning or pre-payment arrangements.
Key components: Burial or cremation, type of service, ceremony wishes, and any agreements with funeral service providers.
Why it matters: Reduces stress and guesswork during grief—and helps ensure your final wishes are respected.
Why These Documents Matter
Steps to Get Started
ResourcesAlberta Government — Decision-making & Advance Planning
Forms and information for Personal Directives, Enduring Power of Attorney, and wills:
https://www.alberta.ca/decision-making-advance-planning
Green Sleeve (Alberta Health Services)
Advance care planning and storing documents in a Green Sleeve:
https://myhealth.alberta.ca/advance-care-planning/keep-advancecare-planning-documents-in-a-green-sleeve
Purpose: A legal document that lets you name someone to make personal decisions for you if you can’t, due to illness or injury.
Key decisions covered: Health care, accommodation, personal services, and other non-financial matters.
Why it matters: Helps ensure your personal care preferences are honoured—and relieves loved ones from making difficult choices without guidance.
2) Enduring Power of Attorney
Purpose: A legal document that designates someone to make financial and legal decisions for you if you lose mental capacity.
Key decisions covered: Managing finances, paying bills, selling property, handling investments.
Why it matters: Protects your financial interests, maintains continuity, and can avoid the need for court intervention.
3) Financial Plans (Including Will and Estate Plans)
Purpose: Plans that outline how your assets, property, and financial affairs will be managed and distributed, including your will.
Key components: Naming an executor, guardianship of minor children, asset distribution, and minimizing tax implications.
Why it matters: Ensures your wishes are followed, helps prevent disputes, and reduces legal/administrative burden for your family.
4) Funeral and Burial Plans
Purpose: Instructions for your funeral and burial preferences, including any pre-planning or pre-payment arrangements.
Key components: Burial or cremation, type of service, ceremony wishes, and any agreements with funeral service providers.
Why it matters: Reduces stress and guesswork during grief—and helps ensure your final wishes are respected.
Why These Documents Matter
- Peace of mind: Clear directions help ensure your wishes are known and followed. If you choose to pre-purchase plans, it may also help save money and reduce financial stress for loved ones.
- Avoiding family conflict: Clear, legally binding instructions can prevent disagreement and added stress.
- Legal protection: Supports your personal, health, and financial decisions being respected.
Steps to Get Started
- Consult a legal professional experienced in estate planning.
- Communicate your wishes with family, your chosen representatives, and (where relevant) your healthcare providers.
- Store documents safely in a secure place where your executor/representatives can access them when needed.
ResourcesAlberta Government — Decision-making & Advance Planning
Forms and information for Personal Directives, Enduring Power of Attorney, and wills:
https://www.alberta.ca/decision-making-advance-planning
Green Sleeve (Alberta Health Services)
Advance care planning and storing documents in a Green Sleeve:
https://myhealth.alberta.ca/advance-care-planning/keep-advancecare-planning-documents-in-a-green-sleeve
An Enduring Power of Attorney (EPA) is a legal document that allows you to designate someone to manage your financial affairs if you are no longer capable of doing so yourself. This could be due to injury, illness, or mental incapacity. An Enduring Power of Attorney (EPA) is different from a regular Power of Attorney. A regular Power of Attorney becomes invalid if you lose mental capacity, meaning the person you appointed can no longer make decisions for you. In contrast, an EPA stays valid even if you lose the ability to manage your own affairs. It allows someone you trust to make decisions about your financial matters, such as paying bills, managing investments, or handling property transactions, even if you become mentally incapacitated.
Why Should You Have an EPA?
If you become unable to manage your finances, an EPA ensures that your financial affairs are taken care of by someone you trust, according to your wishes. Without an EPA, your family would need to apply to the court to become your trustee, a process that can be costly, time-consuming, and may result in someone managing your affairs whom you wouldn't have chosen.
Key Features of an EPA:
Who Should Have an EPA?
The Government of Alberta recommends that every adult over the age of 18 have an EPA to protect their financial affairs in case of incapacity.
Benefits of Having an EPA:
Steps to Create an EPA:
Conclusion:
Having an EPA is not legally required, but it is strongly recommended to ensure your financial matters are managed according to your wishes in the event of incapacity. It offers peace of mind and helps avoid complicated legal processes. For personalized advice, consult with a lawyer.
For more information, visit the Centre for Public Legal Education Alberta’s website or the Government of Alberta’s webpage on Enduring Powers of Attorney.
Why Should You Have an EPA?
If you become unable to manage your finances, an EPA ensures that your financial affairs are taken care of by someone you trust, according to your wishes. Without an EPA, your family would need to apply to the court to become your trustee, a process that can be costly, time-consuming, and may result in someone managing your affairs whom you wouldn't have chosen.
Key Features of an EPA:
- Durability: The EPA remains valid even if you lose mental capacity.
- Scope: You can make it as broad or specific as you want.
- Activation: It can be effective immediately or upon a specified event, such as a medical determination of incapacity.
- Termination: The EPA remains in effect until you revoke it, pass away, or a court cancels it.
Who Should Have an EPA?
The Government of Alberta recommends that every adult over the age of 18 have an EPA to protect their financial affairs in case of incapacity.
Benefits of Having an EPA:
- Financial Management During Incapacity: Ensures your finances are managed as you wish if you become incapable of managing them.
- Avoiding Court-Ordered Guardianship: Prevents the need for a lengthy, expensive court process if you lose capacity.
- Alleviating Stress for Family Members: Reduces the burden on loved ones by avoiding legal proceedings.
- Control and Peace of Mind: Lets you decide who will manage your finances and how they will do so.
Steps to Create an EPA:
- Choose Your Attorney: Pick someone you trust to manage your financial affairs. It’s a good idea to also name an alternate.
- Draft the Document: It’s best to work with a lawyer to ensure the document is legally valid and reflects your intentions.
- Sign the Document: You must sign the EPA in the presence of a witness who is not your attorney or their spouse/partner.
- Inform Relevant Parties: Notify your attorney and institutions like banks of the EPA’s existence.
Conclusion:
Having an EPA is not legally required, but it is strongly recommended to ensure your financial matters are managed according to your wishes in the event of incapacity. It offers peace of mind and helps avoid complicated legal processes. For personalized advice, consult with a lawyer.
For more information, visit the Centre for Public Legal Education Alberta’s website or the Government of Alberta’s webpage on Enduring Powers of Attorney.
How to stay confident and in control when arranging a funeral
At the funeral homes CMS partners with, staff are professional and compassionate—and we’re grateful for the care they provide to CMS families. You may also be dealing with a different funeral service provider. Either way, families are often making decisions while tired, grieving, and under time pressure, so it helps to know a few common red flags and simple ways to protect yourself.
Red flags to watch for
“Upsell” moments that are often optional
These aren’t bad choices—just ones you should make intentionally:
What to do instead (simple scripts)
Protect your personal information
Be cautious about sharing:
If something feels off
At the funeral homes CMS partners with, staff are professional and compassionate—and we’re grateful for the care they provide to CMS families. You may also be dealing with a different funeral service provider. Either way, families are often making decisions while tired, grieving, and under time pressure, so it helps to know a few common red flags and simple ways to protect yourself.
Red flags to watch for
- You feel rushed to sign before you’ve seen a written breakdown of costs.
- Prices aren’t clear (no itemized list, or “we’ll tell you the total later”).
- You’re told an upgrade is “required” without a clear reason (ask: “Is that legally required, or optional?”).
- Pressure based on guilt (“Most families would…”, “You wouldn’t want to…”).
- Bundled packages only, with no option to remove items you don’t want.
- Extra fees appear late (admin fees, handling fees, weekend fees) that weren’t explained upfront.
- Unclear rules about deposits or cancellations (you can’t get straight answers in writing).
- You’re discouraged from comparing plans or asking for time to think.
- Unexpected third-party calls (someone contacts you offering services you didn’t request—e.g., “expediter,” “benefits help,” “estate services”) and asks for money or personal info.
“Upsell” moments that are often optional
These aren’t bad choices—just ones you should make intentionally:
- Higher-cost caskets/urns “for quality” without explaining alternatives
- Extra vehicles or upgraded vehicles
- Printed programs, photo boards, video tributes (often DIY or optional)
- Premium venue or catering add-ons
- Embalming presented as “needed” when it may not be (depending on timing and type of service)
What to do instead (simple scripts)
- “Please give me an itemized price list and a written contract draft to review.”
- “What’s required by law, and what’s optional?”
- “Can we remove items from this package?”
- “What’s the lowest-cost option that meets our needs?”
- “We’re going to take a pause and call back.”
Protect your personal information
Be cautious about sharing:
- SIN, banking details, passwords, or credit card info with anyone you didn’t contact directly
- Documents unless you understand why they’re needed
If something feels off
- Ask for everything in writing
- Bring a second person into the conversation
- Compare at least one other provider if you can
- If you’re a CMS member, contact us and we can help you understand your options and next steps.
The Digital Accounts Checklist helps you quickly list the online accounts and subscriptions your family may need to access if something happens—like email, banking, social media, utilities, and recurring payments. It gives you one secure place to record what you have, where it’s held, and what steps your executor or trusted contact should take (without sharing passwords).
Use this Document Storage & Sharing Plan to record where your important documents are kept and who has access to them. It helps your executor or family find what they need quickly—without guesswork—during a stressful time.
Here’s a practical overview of wills in Alberta (info only—not legal advice).
Who needs a will?
Pretty much every adult (18+) should have one, especially if you:
Types of wills in Alberta
Alberta recognizes a few main “forms”:
Remote witnessing: Alberta allows certain estate planning documents (including wills) to be signed and witnessed remotely in specific circumstances; the Law Society notes these changes were made permanent through 2024 legislation.
Where to get a will (options)
Typical cost (ballpark)
Costs depend on complexity and whether you also do a power of attorney + personal directive.
What about probate / court fees?
Not every estate needs probate, but when an application is required, Alberta has court filing fees for estate matters—for example, opening an estate file and issuing certain grants are listed at $300 on the provincial court fee schedule.
A few “don’t get burned” tips
Who needs a will?
Pretty much every adult (18+) should have one, especially if you:
- have kids or dependents (so you can name a guardian and a backup)
- own a home, have savings/investments, or run a business
- are in a second marriage/blended family
- want to leave gifts to specific people or charities
- want to name the person you trust to handle everything (your personal representative/executor)
Types of wills in Alberta
Alberta recognizes a few main “forms”:
- Formal will (most common): written, signed by you, and signed with two witnesses present (and they sign too).
- Holograph will: entirely handwritten and signed by you; no witnesses required. These can be valid but are easier to get wrong or make unclear.
Remote witnessing: Alberta allows certain estate planning documents (including wills) to be signed and witnessed remotely in specific circumstances; the Law Society notes these changes were made permanent through 2024 legislation.
Where to get a will (options)
- Wills & estates lawyer (recommended for anything complex): The Alberta government recommends consulting a lawyer to ensure your wishes are captured properly.
- You can search by location/practice area using the Law Society’s Find a Lawyer directory. Note: Paramount Law Group offers preferred pricing for CMS members.
- You can search by location/practice area using the Law Society’s Find a Lawyer directory. Note: Paramount Law Group offers preferred pricing for CMS members.
- Low-cost / free legal help (for people who can’t afford a lawyer):
- Calgary Legal Guidance offers free legal advice clinics for eligible low-income clients.
- Edmonton Community Legal Centre offers free summary advice clinics (legal coaching appointments).
- Calgary Legal Guidance offers free legal advice clinics for eligible low-income clients.
- DIY will kits / online will platforms: Can work for very simple situations, but errors (witnessing, unclear wording, missing “what if” scenarios) can cause problems later.
Typical cost (ballpark)
Costs depend on complexity and whether you also do a power of attorney + personal directive.
- DIY kit: often roughly $20–$100
- Online will services: often roughly $99–$250
- Lawyer-drafted will: common ranges are hundreds to $1,000+ for simple wills, and more for complex estates; one Alberta-focused summary cites an average around $816 for a simple lawyer-drafted will (based on a survey) and higher for complex wills.
What about probate / court fees?
Not every estate needs probate, but when an application is required, Alberta has court filing fees for estate matters—for example, opening an estate file and issuing certain grants are listed at $300 on the provincial court fee schedule.
A few “don’t get burned” tips
- Make sure your will is properly signed and witnessed (formal wills need two witnesses).
- Don’t use a witness who’s getting a gift in the will (it can create legal issues).
- Keep it updated after big life changes (marriage, divorce, new child, major assets).
Resources for Personal Representatives or Executors
Planning ahead means more than writing a Will — it also means thinking carefully about who will carry out your wishes. In Alberta, the person named in your Will to settle your estate is called a Personal Representative (also known as an Executor). Their role is critical, and choosing the right person can make all the difference for your family.
What Does a Personal Representative Do?
A Personal Representative is legally responsible for managing your estate after your death. This means they must:
Choosing the Right Person
Being a Personal Representative can take months or even years, depending on the complexity of the estate. It’s not a ceremonial role — it’s a job that requires organization, clear communication, and integrity. When appointing someone:
You can make their job much easier by:
Final Thought
Serving as a Personal Representative is a serious responsibility — but it’s also an act of love and trust. By carefully choosing the right person and preparing the information they’ll need, you’ll reduce stress for your family and ensure your wishes — from funeral arrangements to financial matters — are carried out with dignity.
What Does a Personal Representative Do?
A Personal Representative is legally responsible for managing your estate after your death. This means they must:
- Locate and validate your Will.
- Carry out your wishes for body disposition and funeral arrangements, or make decisions if your instructions are not clear.
- Safeguard your property and assets.
- Apply for probate if needed.
- Pay outstanding bills, loans, and taxes.
- File final tax returns and obtain a CRA clearance certificate.
- Distribute your assets to beneficiaries as directed in your Will.
Choosing the Right Person
Being a Personal Representative can take months or even years, depending on the complexity of the estate. It’s not a ceremonial role — it’s a job that requires organization, clear communication, and integrity. When appointing someone:
- Choose a person who is trustworthy, organized, and financially responsible.
- Consider their availability — do they live nearby, and do they have the time to manage the tasks involved?
- Make sure they are willing to serve. It’s important to talk with them before naming them in your Will.
- If your estate is complex, you may wish to appoint a professional (such as a trust company or lawyer) either alone or alongside a family member.
You can make their job much easier by:
- Keeping your Will up to date.
- Recording important details in one place — including insurance policies, banking and investment information, digital accounts, and funeral preferences.
- Telling your loved ones where to find your documents.
Final Thought
Serving as a Personal Representative is a serious responsibility — but it’s also an act of love and trust. By carefully choosing the right person and preparing the information they’ll need, you’ll reduce stress for your family and ensure your wishes — from funeral arrangements to financial matters — are carried out with dignity.
What to do after someone dies, what to bring, and what to watch for (plain-language)
1) First: what a “personal representative” is
In Alberta, a personal representative is the person legally responsible for settling a deceased person’s estate. You might be called an executor (if there is a will) or an administrator (if there isn’t a will).
Your job is to:
2) In the first 24–72 hours
Confirm the death and get documentation started
Look for:
Create one document (paper or digital) to track:
3) Before you spend money: understand who can authorize what
Funeral decisions
If you’re the personal representative (or expected to be), you’ll often be asked to authorize arrangements. If there are multiple decision-makers or family disagreements, slow down and keep everything in writing.
Estate expenses
Reasonable expenses can usually be paid from the estate, but you need records. Avoid mixing estate money with your own.
4) Gather these documents early
You will use these again and again:
Essential
5) Apply for authority (when required)
When you may need a court grant:
Many banks/institutions will require a Grant of Probate (with a will) or Grant of Administration (without a will) before releasing funds or letting you sell assets.
Whether you need a grant depends on things like:
6) Notify organizations and stop ongoing payments
Make a checklist and work through it:
7) Manage the money safely
Open an estate bank account (recommended)
Once you have the ability to act, use an estate account for:
Pay debts in a sensible order
Common estate expenses/debts include:
8) Taxes and benefits: what usually happens
Most estates need:
9) Communicating with beneficiaries
Set expectations early:
10) Distributing the estate
Before final distribution, prepare:
11) Common pitfalls to avoid
12) A simple “first week” checklist
1) First: what a “personal representative” is
In Alberta, a personal representative is the person legally responsible for settling a deceased person’s estate. You might be called an executor (if there is a will) or an administrator (if there isn’t a will).
Your job is to:
- protect what the person owned,
- pay valid debts and taxes,
- distribute what’s left to the right people, and
- keep clear records the whole way.
2) In the first 24–72 hours
Confirm the death and get documentation started
- If death occurs in a hospital or care facility, staff help with next steps.
- If death occurs at home, call the appropriate professional (varies by circumstance). If unsure, call a funeral home for guidance.
Look for:
- the most recent will
- funeral preferences (written wishes, pre-arrangements, memorial society membership, etc.)
- insurance policies, pensions, and benefit information
- lock the home, safeguard cash/jewelry, forward mail, care for pets
- take photos of valuables (helpful later if questions come up)
Create one document (paper or digital) to track:
- phone calls, dates, who you spoke to
- expenses you personally pay (keep receipts)
- decisions made and why
3) Before you spend money: understand who can authorize what
Funeral decisions
If you’re the personal representative (or expected to be), you’ll often be asked to authorize arrangements. If there are multiple decision-makers or family disagreements, slow down and keep everything in writing.
Estate expenses
Reasonable expenses can usually be paid from the estate, but you need records. Avoid mixing estate money with your own.
4) Gather these documents early
You will use these again and again:
Essential
- Proof of death (funeral home statement and later a death certificate)
- The will (original if possible) and any codicils
- Photo ID for you
- Deceased’s full legal name, address, date of birth, Social Insurance Number (SIN)
- marriage/divorce documents
- list of assets and debts (bank accounts, mortgage, credit cards, utilities)
- pension/benefit details (CPP, OAS, private pensions)
- insurance policies (life, mortgage insurance, creditor insurance)
- recent tax returns and Notice of Assessment
- property documents (land title, vehicle registration)
5) Apply for authority (when required)
When you may need a court grant:
Many banks/institutions will require a Grant of Probate (with a will) or Grant of Administration (without a will) before releasing funds or letting you sell assets.
Whether you need a grant depends on things like:
- asset value,
- whether assets are solely in the deceased’s name,
- the institution’s internal rules.
6) Notify organizations and stop ongoing payments
Make a checklist and work through it:
- Service Canada (CPP death benefit, survivor benefits, stop benefits)
- Alberta programs (if applicable)
- employer / pension administrator
- banks and investment firms
- life insurance companies
- credit card companies and lenders
- utility providers, phone/internet, subscriptions
- landlord/condo board/property manager
- Canada Revenue Agency (CRA)
- vehicle registry and insurance
- home insurance (important: tell them about vacancy)
7) Manage the money safely
Open an estate bank account (recommended)
Once you have the ability to act, use an estate account for:
- depositing incoming funds,
- paying bills and taxes,
- tracking distributions.
Pay debts in a sensible order
Common estate expenses/debts include:
- funeral costs
- final utilities, rent, or care facility account
- credit cards and loans
- income taxes (often a big one)
8) Taxes and benefits: what usually happens
Most estates need:
- a final (terminal) tax return
- sometimes additional returns (depends on income and assets)
- careful handling of registered accounts (RRSP/RRIF), investment gains, etc.
9) Communicating with beneficiaries
Set expectations early:
- estates often take months (sometimes longer) to settle
- you will provide updates at milestones
- you’ll share a summary accounting before final distribution
- calm,
- consistent,
- written when possible.
10) Distributing the estate
Before final distribution, prepare:
- an inventory of assets and debts
- receipts and records of payments
- a proposed distribution summary
11) Common pitfalls to avoid
- Distributing money too early (before taxes/debts are clear)
- Not keeping receipts and a decision log
- Letting a home go uninsured or unmonitored
- Using personal accounts for estate funds
- Assuming “joint” or “beneficiary-designated” assets are part of the estate (often they pass outside the will)
12) A simple “first week” checklist
- Locate will and key papers
- Choose funeral provider and confirm costs in writing
- Secure home/valuables; forward mail
- Start estate log + receipt folder
- Order death certificates (you’ll likely need multiple)
- Notify key organizations (Service Canada, banks, insurer)
- List assets, debts, and monthly bills
- Book appointment with lawyer/accountant if needed
Navigating the Sale of a Home After Losing a Loved OneLosing a loved one is emotionally challenging, and selling their home can feel overwhelming. Balancing grief with practical decisions is difficult, but taking it step by step can help.
Emotional Considerations
A home holds memories, making the decision to sell deeply personal. Give yourself time to process emotions and consider options like renting or keeping the home within the family. Seek support from loved ones or professionals to ease the transition.
Practical Steps
Legal & Financial Aspects
Honouring Memories & Seeking Support
Selling a home doesn’t mean forgetting your loved one. Preserve memories with photos or keepsakes. If needed, seek counseling or professional support to navigate grief while handling logistics.
Navigating this transition is challenging, but support is available to help you make the best decision for yourself and your family.
View the full article.
By Kia Bhaidani, MSW, RSW, Realtor, eXp Realty
For guidance on the emotional and practical aspects of real estate, contact Kia at [email protected] or visit www.calgaryhomesforsale.co.
Emotional Considerations
A home holds memories, making the decision to sell deeply personal. Give yourself time to process emotions and consider options like renting or keeping the home within the family. Seek support from loved ones or professionals to ease the transition.
Practical Steps
- Assess the home’s condition – Repairs may be needed before selling.
- Choose the right real estate agent – A compassionate professional can guide you through the process.
- Price the home realistically – Market value may differ from sentimental value.
- Sort personal belongings – Take time to keep meaningful mementos.
Legal & Financial Aspects
- Review the will to determine ownership.
- Address outstanding mortgage or debts.
- Consult a tax professional about potential tax implications.
Honouring Memories & Seeking Support
Selling a home doesn’t mean forgetting your loved one. Preserve memories with photos or keepsakes. If needed, seek counseling or professional support to navigate grief while handling logistics.
Navigating this transition is challenging, but support is available to help you make the best decision for yourself and your family.
View the full article.
By Kia Bhaidani, MSW, RSW, Realtor, eXp Realty
For guidance on the emotional and practical aspects of real estate, contact Kia at [email protected] or visit www.calgaryhomesforsale.co.
What they are, and what families need to apply (Canada / Alberta)
1) CPP Death Benefit (one-time payment)
What it is: A one-time payment that may be available when someone who contributed to CPP dies.
How much:
For deaths on or after January 1, 2025, the CPP death benefit includes:
How to apply:
2) CPP Survivor’s Pension (monthly payment)
What it is: A monthly payment to the legal spouse or common-law partner of a deceased CPP contributor.
Basic eligibility:
How to apply:
3) Tip: Apply for all CPP survivor benefits that may apply
In addition to the death benefit and survivor’s pension, there may be CPP children’s benefits (under 25) depending on the situation.
1) CPP Death Benefit (one-time payment)
What it is: A one-time payment that may be available when someone who contributed to CPP dies.
How much:
For deaths on or after January 1, 2025, the CPP death benefit includes:
- $2,500 basic amount, plus
- a possible $2,500 top-up
Maximum: $5,000.
- The executor/administrator of the estate (preferred), or if they don’t apply:
- the person/institution responsible for funeral expenses, then
- the surviving spouse/common-law partner, then
- next of kin.
How to apply:
- Online: through My Service Canada Account (MSCA), or
- Paper form: ISP1200 – Application for a Canada Pension Plan Death Benefit.
- Deceased person’s SIN and the applicant’s SIN (include on documents)
- Proof of death may be requested (Service Canada may request originals/certified copies)
- Executor/estate details (if applicable)
2) CPP Survivor’s Pension (monthly payment)
What it is: A monthly payment to the legal spouse or common-law partner of a deceased CPP contributor.
Basic eligibility:
- You were legally married to the deceased, or
- you were their common-law partner (CPP defines this as living together in a conjugal relationship for at least 1 year).
There are also rules for separated spouses in certain situations.
How to apply:
- Online: MSCA survivor’s pension application
- Paper form: ISP1300 – Survivor’s Pension and Children’s Benefits application
- Deceased person’s SIN and your SIN (include on documents)
- Proof of relationship (marriage/common-law) and proof of death may be requested
- Direct deposit info (recommended to avoid delays)
3) Tip: Apply for all CPP survivor benefits that may apply
In addition to the death benefit and survivor’s pension, there may be CPP children’s benefits (under 25) depending on the situation.
Use this Notification List Template to track who needs to be contacted after a death—employer, banks, CRA, utilities, subscriptions, associations, and benefit providers—and what’s been completed. It helps you stay organized, reduce missed steps, and avoid repeating calls during a stressful time.
Governance and Policies
Since 1966, the Cooperative Memorial Society (CMS) has helped Albertans plan ahead with dignity, compassion, and confidence. We are a member-run, non-profit cooperative dedicated to making end-of-life planning more accessible, affordable, and personal.
Whether you’re here to learn more, begin planning, or support a loved one, we’re glad you’ve found us. This handout introduces our vision, mission, and guiding principles—the foundation for everything we do. Through education, advocacy, and trusted partnerships with locally owned funeral providers, CMS supports individuals and families in planning ahead with clarity and peace of mind.
Vision
We envision an Alberta where all people have access to dignified, person-centred funeral services.
Mission
Our mission is to reduce the emotional and financial stress of funeral planning by providing members with:
Guiding Values
At CMS, our work is grounded in the principles below. These values guide our decisions and our interactions—with members, families, service providers, and the broader community.
CMS is a cooperative, which means we’re owned and guided by our members—not shareholders. Our work is grounded in the internationally recognized cooperative principles. These principles matter because they shape how we make decisions, who we serve, and how we stay focused on member needs. These cooperative principles work alongside our guiding values—compassion, dignity, fairness, integrity, respect, innovation, and continuous improvement—to shape how we serve members every day.
Whether you’re here to learn more, begin planning, or support a loved one, we’re glad you’ve found us. This handout introduces our vision, mission, and guiding principles—the foundation for everything we do. Through education, advocacy, and trusted partnerships with locally owned funeral providers, CMS supports individuals and families in planning ahead with clarity and peace of mind.
Vision
We envision an Alberta where all people have access to dignified, person-centred funeral services.
Mission
Our mission is to reduce the emotional and financial stress of funeral planning by providing members with:
- Information, tools, and resources to support advance funeral planning.
- Access to affordable funeral services that uphold the dignity and personhood of the deceased.
Guiding Values
At CMS, our work is grounded in the principles below. These values guide our decisions and our interactions—with members, families, service providers, and the broader community.
- Compassion
We approach every person and situation with care and empathy, recognizing the emotional weight of planning and loss. - Dignity
We believe every individual deserves to be treated with dignity in life and in death. Our services honour personal wishes and cultural values. - Fairness
We strive to provide equitable access to clear information, affordable options, and consistent service for all members. - Integrity
We are honest, transparent, and accountable in everything we do—from how we communicate to how we operate. - Respect
We listen actively, honour diverse perspectives, and foster a welcoming environment where people feel heard and supported. - Innovation
We adapt to changing needs, embrace new ideas, and use technology to better serve our members and community. - Continuous Improvement
We are committed to learning, reflecting, and evolving—always working to improve our services, systems, and impact.
CMS is a cooperative, which means we’re owned and guided by our members—not shareholders. Our work is grounded in the internationally recognized cooperative principles. These principles matter because they shape how we make decisions, who we serve, and how we stay focused on member needs. These cooperative principles work alongside our guiding values—compassion, dignity, fairness, integrity, respect, innovation, and continuous improvement—to shape how we serve members every day.
- Voluntary and Open Membership
Why it matters: CMS is open to people who share our purpose. Membership is a choice—never pressured—and everyone is treated fairly. - Democratic Member Control
Why it matters: Members elect the Board and help shape the direction of CMS. This keeps our priorities focused on service, value, and accountability. - Member Economic Participation
Why it matters: CMS is built to create value for members—through affordable access, practical planning support, and responsible stewardship of membership funds. - Autonomy and Independence
Why it matters: CMS is independent. We work with locally owned funeral providers through agreements that support member value and service quality—without being controlled by corporate interests. - Education, Training, and Information
Why it matters: Education is central to our mission. We provide clear tools and guidance so Albertans can plan ahead with confidence and reduce stress for families. - Cooperation Among Cooperatives
Why it matters: We collaborate with other community-minded organizations when it strengthens support for members and helps expand access to planning resources. - Concern for Community
Why it matters: CMS exists to make end-of-life planning more accessible, compassionate, and affordable—helping families and strengthening communities across Alberta.
Applies to: All CMS members, staff, contractors, and volunteers
Last updated: August 5, 2025
1. Purpose
The Cooperative Memorial Society (CMS) is committed to protecting the personal information of its members, staff, contractors, and volunteers. This Privacy Policy explains how we collect, use, disclose, store, retain, and protect personal information in accordance with Alberta’s Personal Information Protection Act (PIPA) and other applicable Canadian privacy laws.
2. What Information We Collect
We collect personal information when individuals:
When members (or their designates) visit our website, we may collect:
3. Cookies and Tracking Technologies
CMS uses cookies and similar technologies to:
4. How We Use Your Information
CMS collects and uses personal information to:
5. Disclosure of Personal Information
CMS does not sell personal information. We only share personal information when:
6. Data Security and Retention
CMS uses reasonable safeguards to protect personal information, including:
7. Your Rights (Under Alberta’s PIPA)
Individuals have the right to:
8. Third-Party Services
CMS uses trusted third-party service providers, which may include:
9. Updates to This Policy
CMS may update this Privacy Policy to reflect legislative changes or improvements in our practices. Significant changes will be communicated through our website and/or email.
10. Contact Us
If you have questions or concerns about this Privacy Policy or how your information is handled, contact:
📧 [email protected]
Last updated: August 5, 2025
1. Purpose
The Cooperative Memorial Society (CMS) is committed to protecting the personal information of its members, staff, contractors, and volunteers. This Privacy Policy explains how we collect, use, disclose, store, retain, and protect personal information in accordance with Alberta’s Personal Information Protection Act (PIPA) and other applicable Canadian privacy laws.
2. What Information We Collect
We collect personal information when individuals:
- Join CMS as a member
- Submit information for funeral planning
- Communicate with CMS by phone, email, mail, or through our website
- Name, address, phone number, email, date of birth
- Emergency contact and/or estate representative information
- Funeral preferences recorded in the Member Registry profile
When members (or their designates) visit our website, we may collect:
- IP address, browser type, device information, operating system
- Website activity (e.g., pages visited and time spent)
- Cookies and similar tracking tools (see Section 3)
3. Cookies and Tracking Technologies
CMS uses cookies and similar technologies to:
- Improve website functionality and user experience
- Analyze website traffic (e.g., using Google Analytics)
- Support security and fraud prevention
4. How We Use Your Information
CMS collects and uses personal information to:
- Administer membership and maintain the Member Registry
- Communicate with members or their designates about membership, events, updates, and service changes
- Respond to inquiries and provide support
- Process payments (through secure third-party providers; CMS does not store credit card information)
- Maintain website security and effectiveness
5. Disclosure of Personal Information
CMS does not sell personal information. We only share personal information when:
- Required to fulfill funeral arrangements with CMS-contracted funeral service providers
- Necessary to provide CMS services through trusted third-party providers (e.g., email delivery, website hosting) that meet privacy standards
- Required by law, regulation, or court order
6. Data Security and Retention
CMS uses reasonable safeguards to protect personal information, including:
- Password protection
- Encryption (where appropriate)
- Access controls and role-based permissions
- For as long as the person remains a member (where applicable)
- As required for legal, financial, audit, or operational purposes
- Until a deletion request is received and can be fulfilled, where permitted under law
7. Your Rights (Under Alberta’s PIPA)
Individuals have the right to:
- Access their personal information
- Request corrections or updates
- Withdraw consent for optional communications
- Request deletion of personal information (subject to legal and operational limitations)
8. Third-Party Services
CMS uses trusted third-party service providers, which may include:
- Google Analytics — anonymous website traffic monitoring
- Constant Contact — newsletters and announcements
- Servus Credit Union / Worldline — secure payment processing
- Membee — membership and data management
9. Updates to This Policy
CMS may update this Privacy Policy to reflect legislative changes or improvements in our practices. Significant changes will be communicated through our website and/or email.
10. Contact Us
If you have questions or concerns about this Privacy Policy or how your information is handled, contact:
📧 [email protected]
Applies to: Board members, staff, volunteers, practicum students, and service providers
Purpose
To ensure CMS services, communications, and partnerships are inclusive, culturally respectful, and responsive to the diverse communities we serve.
This policy aligns with:
Our Commitment
CMS is committed to an inclusive and respectful environment for all individuals—regardless of culture, ethnicity, language, religion, gender identity, sexual orientation, age, ability, family structure, socioeconomic status, or immigration status.
We recognize that end-of-life decisions are shaped by cultural, spiritual, and personal traditions, and we will honour these differences whenever possible.
Key Definitions
CMS Commitments
Equitable service delivery
All CMS staff, volunteers, and board members must:
Service providers must:
Inclusive Practices in Member Support
Communication & language access
Concerns will be addressed under CMS’s Complaints & Service Resolution and Privacy Policies.
Responsibilities
Continuous Improvement
CMS will review this policy regularly to reflect member demographics, feedback, service provider input, and emerging best practices. Inclusivity and cultural competency are ongoing commitments.
Purpose
To ensure CMS services, communications, and partnerships are inclusive, culturally respectful, and responsive to the diverse communities we serve.
This policy aligns with:
- CMS Bylaws
- CMS Privacy Policies
- Service Provider Standards & Responsibilities
- Alberta Human Rights Act
Our Commitment
CMS is committed to an inclusive and respectful environment for all individuals—regardless of culture, ethnicity, language, religion, gender identity, sexual orientation, age, ability, family structure, socioeconomic status, or immigration status.
We recognize that end-of-life decisions are shaped by cultural, spiritual, and personal traditions, and we will honour these differences whenever possible.
Key Definitions
- Inclusivity: Creating welcoming, respectful environments.
- Diversity: Recognizing the wide range of identities and experiences in our community.
- Cultural competency: Understanding and responding appropriately to cultural beliefs and practices.
- Cultural humility: Ongoing reflection, learning, and openness when supporting others.
CMS Commitments
Equitable service delivery
- Respect member wishes, including cultural and spiritual practices.
- Provide consistent, compassionate support.
- Offer planning tools that reflect diverse traditions where feasible.
- Use clear, plain language.
- Provide translated materials when possible.
- Ensure member-facing content reflects a diverse community.
- Honour chosen names, pronouns, and identities.
- Work with service providers to support culturally responsive and 2SLGBTQIA+ affirming practices.
- Engage with cultural, community, seniors, and settlement organizations.
- Encourage ongoing learning about grief, rituals, and decision-making across cultures.
All CMS staff, volunteers, and board members must:
- Treat every person with dignity and respect.
- Avoid assumptions about culture, family structure, or beliefs.
- Ask respectful questions when clarification is needed.
- Use chosen names and pronouns.
- Share information in culturally sensitive, accessible ways.
- Challenge bias or discriminatory behaviour.
- Seek support from the Executive Director when additional guidance is needed.
Service providers must:
- Offer respectful, culturally informed care.
- Honour members’ documented preferences.
- Avoid discriminatory practices.
- Support cultural or religious rituals when operationally feasible.
Inclusive Practices in Member Support
Communication & language access
- Provide translations when possible.
- Use tools/technology to support communication when needed.
- Maintain accessible, plain-language forms and materials where feasible.
- Support members in documenting cultural rituals and preferences.
- Communicate these preferences clearly to service providers.
- Include culturally diverse examples in CMS presentations where appropriate.
- Respect members’ identified representatives (e.g., family, elders, or spiritual leaders).
- Executive Director
- Membership Services Coordinator
- Board Chair (if appropriate)
Concerns will be addressed under CMS’s Complaints & Service Resolution and Privacy Policies.
Responsibilities
- Executive Director: Leads implementation and learning; works with service providers to resolve concerns; ensures materials remain inclusive.
- Membership Services Coordinator: Provides accessible support; helps document member preferences; identifies barriers.
- Board of Directors: Models inclusive governance and supports related strategic goals.
- Volunteers & Practicum Students: Follow inclusive practices and raise concerns when support is needed.
- Service Providers: Deliver culturally respectful services and collaborate on improvements.
Continuous Improvement
CMS will review this policy regularly to reflect member demographics, feedback, service provider input, and emerging best practices. Inclusivity and cultural competency are ongoing commitments.
