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Transcript of Public Hearing for Ruleset 2023-17 LR  
00:00:01 Mitchell Page  
All right. Good morning. Thank you for being here. This is a public hearing on the proposed  
administrative rules entitled Mortuary Science. This hearing is being conducted pursuant to  
provisions of the Administrative Procedures Act and the Michigan Occupational Code. And on  
behalf of the Department of Licensing and Regulatory Affairs, Corporations, Securities and  
Commercial Licensing.  
This hearing is being called to order at 10:04 AM on July 18th, 2024, at the offices of CSCL in  
Lansing, MI. This hearing was published in three newspapers of general circulation as well as the  
Michigan Register issue #11, which was published on July 1st, 2024.  
My name is Mitchell Page, and I will be facilitating the hearings today.  
Please know, per the provisions of the APA, the public hearing format will not be taking the form  
of a question-and-answer session, nor a discussion back and forth. We are here today to receive  
your comments on the proposed rules. If you wish to speak, please make sure you've signed in  
and indicated on the sign in sheet.  
I’ll call on speakers in the order in which they're listed. When you come forward, identify  
yourself with your name, the organization you represent, mailing and e-mail address so that we  
can transcribe it in the recording.  
And then if you have additional comments, you can submit them in writing or e-mail no later  
than 5:00 PM on July 26, which is next Friday.  
When you do come up here, just mind the wires on the ground and then the recording device is  
here, so also, just be mindful of that because there's a wire.  
Let's see.  
First speaker is going to be Craig, forgive me if I butcher your last name, harms. Craig.  
OK, got it. I'll come back.  
Next, we have Kyle Schweiker.  
00:02:12 Kyle Schweiker  
Good morning, my name is Kyle Schweiker. I am the owner of 4 funeral homes in Saint Clair  
and Macomb Counties. I am very active day-to-day operations of my funeral homes.  
Um I come to voice the opposition of the physical uh presence of a funeral director at the time of  
arrangements and funeral services. I feel that as a funeral director and very involved in my  
funeral homes, that if there is somebody in my establishment that I trust to act in my position on  
the making of arrangements at the time that I am not in the actual presence of that arrangement, I  
feel that it's my duty to oversee that in maybe not a direct physical appearance, but over phone,  
video, or following up after I return to a facility.  
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There's often times where I'm maybe preparing embalming a body, which I embalm 95% of our  
bodies, and that I might not be in the same facility that somebody walks into when there's an at-  
need situation that I can't be at at the present moment.  
I would pride myself with having interaction with 95 to 100% of the families, whether it's  
initially when they walk our doors or sometime during the process of the services that we will  
render, whether it's cremation directly or if it's services that will be held in our building.  
I do have an issue with the uh, rescinding of the funeral inspections of the facilities.  
I think that um I've, as a mortuary student in the last six years that graduated, I worked for  
multiple funeral homes in the Metro Detroit area that I think are subpar with a lot of their  
preparation rooms and their facilities, and I do not think it's appropriate that we would take away  
a requirement to inspect those facilities ongoing or at random.  
I think that we should be held to a higher level of compliance with preparation facilities and  
general establishments, because there's a lot that goes on behind the doors than what they present  
at the front of these stores, and I think that there needs to be more accountability for the way that  
preparation rooms and the care of deceased, you know, are rendered. And I think that if there's  
going to be a change to any of these rules regarding equipment and inspections and things in our  
buildings that it should be more of refrigeration should be required, and I think that it should be  
less about the presence of a funeral director who's licensed in in, in, in the arrangements. Thank  
you so much.  
00:04:52 Mitchell Page  
Thank you, Kyle, next up we have Daniel Jensen, Jansen, sorry.  
00:05:06 Daniel Jansen  
Appreciate the opportunity to speak. I'm Daniel Jansen, a licensed funeral director and I  
represent an unheard portion of rural small town, Michigan. We're only a single license funeral  
director generally owns and manages a funeral home. The quick review of the Michigan  
appointed mortuary board misses out on this unheard section, as those on the board that are  
actually licensed funeral directors come from multi-license facilities where there are two or more  
licensees. Rural, small town, Michigan consists of towns and counties with a significant smaller  
population than cities and suburbs, but let me reassure you, we provide our community with  
quality funeral service.  
I have one point of concern that addresses the proposed rule changes that uh, can and will greatly  
affect world rural smalltown funeral homes across our state, the unsupervised license help.  
In these facilities, we are generally staffed by one or two regular employees, with one of them  
being the licensee, the unlicensed assistant is just as important in their aspect of the business as  
the licensee isn't handling human remains. in my case, and like others, the unlicensed employees  
assist in the day-to-day operations and makes prearrangements. You see, the state allows and  
trust this individual to sit down and make prearrangements where they must comply with FTC  
requirements, gather statistical data to complete a mission and death certificate, gather  
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information pertinent to write up an obituary, review different service options such as burial or  
cremation, review merchandise options and selections, and ultimately signing complete and  
itemized contract All without me standing over their shoulder. In some instances, they probably  
have done more arrangements than some licensed funeral directors.  
Why is this all significant? Because when I am not there, they are able to step up and make that  
need arrangements with families also. So, if I'm up north or downstate for a burial in the transfer  
of a body into our care, transporting a body to the crematory, a family doesn't have to be delayed  
because someone the state already allows trust to make the arrangements is able to sit down and  
complete a detailed at-need arrangement, which was significant, used a significant amount of  
times during the COVID pandemic.  
Let me be honest folks, making funeral arrangements is not rocket science. And I used to joke  
about the place I started at, I could put a cassette player in the room, push play and put the form  
and they could just fill it out. He never changed his spiel.  
My unlicensed person is also able to step in and assist should I be sick out for surgery or hurt. I  
mean, let's be honest here too. Michiganders are getting bigger, so I have hurt my back a few  
times.  
In my case, this year, attending events for my daughter’s senior school graduation. I as the owner  
and managing licensee know my my unlicensed employees’ limitations and hire licensed staff to  
come in and to oversee services, dress and cosmetics and human remains.  
I'm asking the panel to take the time and fully understand there is no difference between the state  
allowing and trusting an unlicensed person to make prearrangements without direct supervision,  
as there would be to make that new arrangements, thank You.  
00:08:21 Mitchell Page  
Thank you, Daniel. Next up we got Scott Hurrell.  
00:08:29 Scott Hurrell  
Good morning, everyone.  
My name is Scott Hurrell, market director with Service Corporation International and a funeral  
home licensed funeral director. First argument is that.  
I would argue against the supervision of arrangers by a licensee. Right now, there are many  
resident trainees and unlicensed arrangers who do arrangements, and everything operates  
perfectly fine in in that regard. So.  
So, under the supervision has been the standard and I strongly believe that it should remain the  
standard. I also am supportive of only having licensed facilities for arrangements, doing away  
with any unlicensed facilities that are arrangement centers.  
I think this opens up too much opportunity to create issues moving forward.  
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I appreciate the adoption of the state to have any course which is approved by the Academy for  
community service professionals to be CE credit, assuming that is the standard, very, very  
supportive of that.  
Uh.  
And also, just to speak a little bit on the rule changes regarding the sheltering of remains, to me  
that that creates very bad outcomes.  
Right now, if we want to prevent the atrocities that we've all experienced and seen in the past, we  
need to have a higher standard, standard of care and require refrigeration across the board.  
Having complete permission paperwork is a very much a positive, however what we want to  
prevent with any type of, you know, standard care that that would be done in a negative way by  
having that that really huge surface. So, we we really do need a requirement for refrigeration  
within our legal system and this would catch us up with many of the other states that are in the  
United States that operate.  
So that's all I have in regards to rules changes.  
Thank you everybody for your time.  
00:11:07 Mitchell Page  
Alright. Thank you, Scott. Next up we have Gregory McClay and we'll jump back to those.  
00:11:20 Greg McClary  
Good morning.  
Hope all of you are well and families are well also to the department officials, I'm Gregory  
McClary. I serve as President of the National Funeral Directors Association. I'm a licensed  
funeral director and owner of the Chape of the Chimes Funeral Home, Westland.  
On the behalf of more than 400 licensed funeral establishments and 1100 licensed people that the  
Michigan Funeral Directors represent, I want to thank you for allowing us to be here this  
morning to testify on these proposed changes.  
Before we provide our detailed formal comments on proposed changes, we want to 1st thank,  
take this time to express sincere appreciation for the department effort for obtaining the Mortuary  
of Michigan Mortuary science regulation. In addition to the collaboration with the State Board of  
Examiners in Mortuary Science, we only imagine the amount of time and energy it took to make  
these changes. After careful examination of the proposed portrait science rule set, in general, we  
found most of the proposed rules will advance Mortuary Science profession in Michigan, making  
much needed improvement to funeral establishments and residential training requirement,  
establishing a regulatory framework for upcoming continued education, enhancement of industry  
standards for identification, care and storage for human remains.  
Just as we identified the revision containing proposed rules that will advanced the mortuary  
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science profession, we also take and detect areas of concerns, especially several proposed rules  
that exceeds statutory authority, and proposed rules that needs clarification to prevent  
enforcement and participation, implementation issues, our testimony today would be focused on  
these areas of concern.  
That said, we offer the following comments, concerns and suggestions to better sharpening and  
refining the proposed mortuary science rules.  
It is our hope that the department will heavily consider our expertise on the matter and  
incorporate the suggestions prior to the proposed being enacted. Today I have with me, our  
MFDA executive Director, Phil Douma and our program relation coordinator Jared Rozycki.  
And at this time, Jared.  
00:14:10 Jared Rozycki  
Thank you, department officials. Let’s just get right into it. So proposed rule 1(1)(d) and (g),  
which define “Continuing Education” and “Course,” exceed statutory authority by limiting both  
definitions to continuing education and courses covering the topics listed in section 1806b(2)(a)  
of the Code. The Code clearly states, however, that only two of the four hours of continuing  
education required each year must cover subjects under 1806b(2)(a). As such, these regulatory  
definitions would amend the statute by requiring that all continuing education and courses, not  
just the minimum 2 hours per year, cover the listed subjects under section 1806b(2)(a). For this  
reason, MFDA strongly urges the department to broaden the definitions by deleting reference to  
1806b(2)(a).  
Proposed rule 1(1)(L) adds a definition for the term “Supervision,” which poses a number of  
problems. First, it includes arranging for mortuary science services within the “practice of  
funeral directing.” The code defines “practice of funeral directing” and makes no mention of  
arranging for mortuary science services. MFDA will discuss this issue more fully when  
commenting on proposed rule 42, but an administrative rule promulgated under a statue cannot  
amend the statutory definition. Furthermore, the code makes clear that the practice of funeral  
directing is a part of the practice of mortuary science, and therefore requires a mortuary science  
license. The proposed rule, however, contemplates that it could be done by a non-licensee, albeit  
under “supervision.”  
Finally, proposed rule 23(8) uses the phrase “supervised by a mortuary science licensee,” but  
then states that the mortuary science licensee must be physically present in the same room as the  
individual being supervised. This is wholly different from the definition of “Supervision,” which  
only goes so far as stating the mortuary science licensee be physically present at the funeral  
establishment. This would undoubtedly create substantial confusion. For these reasons, MFDA  
urges that the definition of “Supervision” be deleted. Please note, however, MFDA supports  
proposed rule 23(8) with a clarification, which we will address shortly.  
Proposed rule 21 begins: “An applicant for a mortuary science license shall satisfy the  
requirements of the Code. In addition to the requirements of the code, an applicant shall satisfy  
all of the following:”. MFDA notes that administrative rules may not add licensing requirements  
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to the statute. Consequently, MFDA advocates that rule 21 simply begin with “An applicant for a  
mortuary science license shall satisfy all of the following:”.  
Furthermore, the last sentences of rules 21(a) and (b) are designed to ensure the 60 hours of  
general education and the 30 hours of mortuary science education are separate. But in practice  
these sentences taken together could result in requiring a total of four years of post-secondary  
education – not the three years prescribed by the Code. For example, at a two-year mortuary  
science program, a student who graduates with an Associate’s Degree upon completion could,  
under the proposed rules, be required to obtain an additional 60 hours of general education.  
To address this concern, MFDA recommends that proposed rules 21(a) and (b) be deleted and  
replaced with a new rule 21(a) requiring completion of not less than 90 semester (or its  
equivalent quarter) hours, with not less than a 2.00 grade point average, of non-remedial college  
level courses at an accredited college or university, including graduation from an accredited  
mortuary science program pursuant to R 339.18922(1). In this way, the proposed rule can  
correctly delineate the code’s 3-year education requirement, while still accommodating the  
varying durations of mortuary science education programs across the country.  
Proposed rule 23(1) and (2) conflict with one another as currently drafted. The third sentence of  
rule 23(1) states that a resident trainee license may not be renewed more than once, and (2)  
provides a process for an exception to that restriction. To resolve this conflict, MFDA suggests  
that the third sentence of rule 23(1) be amended by adding “Except as provided in (2), the  
resident trainee license may not be renewed more than once.”  
Proposed rule 23(8) states a resident trainee performing an embalming be personally supervised  
by a mortuary science licensee, however, the proposed rule fails to acknowledge that the  
minimum embalming requirement for a resident trainee can be fulfilled by a resident trainee  
“assisting a licensee in the preparation of dead human bodies.” This proposed rule should be  
amended to include the act of assisting in the preparation of dead human bodies under Rule  
25(a).  
Proposed rule 28(1)(a) and (b) appear to be redundant. MFDA suggests that the two subsections  
be merged by stating that an applicant obtain a total of 4 hours (2 per year) of continuing  
education covering the topics detailed in section 1806b(2)(a) of the Code.  
Proposed rule 28a(1)(b) provides one continuing education credit hour for licensees that attend a  
board meeting. That subsection should be clarified by stating that a continuing education credit  
be granted to licensees that attend a State Board of Examiners in Mortuary Science meeting, not  
a board meeting of another entity.  
Proposed rule 29(2)(a), which outlines the department’s approval process for continuing  
education courses, once again seeks to amend the code by limiting continuing education subject  
matter to topics described in section 1806b(2)(a). This proposed rule exceeds statutory authority  
by requiring that continuing education courses only cover the topics listed under section  
1806b(2)(a), when the code specifically provides that only two of the required 4 hours of  
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continuing education each year cover those specific topic areas. Consequently, this requirement  
should add the qualifier, “if applicable” to (2)(a).  
Remaining under rule 29, MFDA seeks clarification on subsection (4), which states courses  
approved by the department are valid for two years. Does this subsection also include courses  
approved by the Academy of Professional Funeral Service Practice? Or is it strictly limited to  
courses approved by the department under (2)? Courses approved by the academy are approved  
courses under proposed Rule 29(1). Whether (4) applies to (1) should be clarified.  
In regard to part 4 of the proposed rules: care and storage of remains, there are two separate  
subsections pertaining to recordkeeping that need to be addressed. The first being proposed rule  
32(1)(h)(iii). It is common for multiple licensees to be in contact with a decedent throughout the  
duration of the decedent’s care at the funeral establishment. This subsection should be made  
plural, thus ensuring that every licensee at the funeral establishment that cared for the decedent is  
included on the case report.  
Secondly, proposed rule 32(2)(c) should be amended requiring that a funeral establishment,  
rather than a licensee, retain recordkeeping of cremated remains. In practice, it would be the  
funeral establishment maintaining a database for all records of cremated remains stored in the  
facility. Additionally, this provision implies a licensee would remain employed at the same  
funeral home for the 7 years a cremated remains report is required to be maintained, which may  
not be the case.  
Under proposed rule 35, which covers transportation of remains to a crematory, subsection (a) is  
imprecise in stating a container for cremation be “rigid.” This rule should be amended by  
including language from the International Conference of Funeral Service Examining Boards’  
model law for disposition standards. Specifically, the International Conference includes language  
requiring containers for cremation to be leakage or spillage resistant. MFDA’s view is that any  
container for cremation showing signs of leakage should never be transported to a crematory as it  
presents a significant public health, sanitation and safety hazard for all of those involved,  
including crematory personnel.  
Proposed rule 37(1) requires identification of a decedent by the authorizing agent, either visually,  
or through a photograph. The proposed rule is unclear, however, as to whether the photograph is  
to be provided by the authorizing agent or taken of the decedent by the funeral establishment and  
provided to the authorizing agent. Either way, photography, even though sanctioned by rule,  
poses significant exposure to civil liability for the funeral establishment arising from the  
possibility of misidentification due to a poor or outdated photo provided by the family or the  
further dissemination or reproduction of the images taken by funeral establishment personnel.  
MFDA strongly urges that proposed rule 37(1) be amended by deleting references to positive  
identification through photograph or other visual images of the remains, and that any  
photographic requirement be accomplished by working with legislators to amend the code to add  
this requirement in a way that provides protections from liability exposure. In addition, the  
requirement for visual identification should be amended to allow the authorizing agent to waive  
this requirement.  
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Furthermore, the proposed rule’s next sentence provides alternative means of identification if  
visual identification is not “feasible.” MFDA advocates that feasibility be clarified by adding the  
words, “due to the decedent’s condition,” to define when visual identification is not feasible.  
MFDA seeks clarification on proposed rule 41, regulating advertising. For example, does a logo  
count as a trademark? And does proposed rule 41 cover a logo that includes part of a licensed  
name? MFDA advocates that it should, and also that branches of funeral establishments be able  
to be advertised simply by locations rather than their formal, licensed name.  
It is an onerous burden to place on funeral establishments the requirement to include the full,  
licensed name of each establishment when advertising multiple funeral homes. MFDA maintains  
that there has been far too much confusion resulting in enforcement actions regarding the current  
advertising rule, and the proposed revisions do not sufficiently clarify it. Because of potential  
First Amendment speech implications, any rule regulating advertising should be clearly and  
specifically tied to preventing consumer confusion.  
The issues raised by proposed rule 42 prohibiting funeral homes from owning and operating  
unlicensed arrangement centers and regulating the arranging of mortuary science services are  
currently being litigated, with an application for appeal pending before the Michigan Court of  
Appeals. MFDA strongly advocates that prudence and clarity dictate that proposed Rule 42 be  
withdrawn, at least until judicial appellate review is concluded.  
If the Court of Appeals accepts the case, it is possible that the Court may overrule or modify all  
or portions of any proposed rule. Specifically, the Court may opine on the question of whether  
the Code’s definition of “the practice of funeral directing,” which includes “representing oneself  
as engaging in the supervising of the burial and disposal of a dead human body,” encompasses  
arranging for mortuary science services on an at-need basis. In the pending case, the  
Administrative Law Judge found that it does, and the Oakland County Circuit Court agreed.  
The Court of Appeals, however, may disagree on this question. Indeed, it is MFDA’s position  
that this conclusion is wrong. Nowhere does the statute mention arranging for or selling funeral  
or cemetery merchandise or services at-need, and there is no legal basis to shoehorn those  
activities into engaging in the supervising of the burial and disposal of a dead human body.  
MFDA therefore believes there are ample grounds for the Court of Appeals to at least partially  
reverse the ALJ and Oakland Circuit Court on this point. Such a decision would render proposed  
rule 42 moot, or at best create substantial confusion about what – if anything – remains.  
Alternatively, if the Court of Appeals does not accept the appeal, proposed rule 42 is still  
unnecessary as existing rule 41(2), and sections of 1806(3) and 1809(7) of the Code, are  
sufficient to prohibit a licensed funeral establishment from owning and operating unlicensed  
arrangement centers. So again, MFDA urges proposed rule 42 be withdrawn to prevent the  
widespread confusion that would ensue.  
If, however, despite these concerns, the Department proceeds, proposed rule 42(1) must be  
clarified to assure that funeral arrangements can be conducted outside of the funeral  
establishment itself. Funeral arrangements are often conducted in private residences, hospitals,  
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nursing homes and the like to accommodate the needs of grieving family members – many of  
whom are elderly or disabled. Should the Department go ahead with promulgating this proposed  
rule, these grieving families must be taken into account, and funeral arrangements must be  
allowed to be made in locations outside the licensed funeral establishment.  
Thank you.  
00:26:36 Mitchell Page  
Thank you, Jared. We're going to circle back to Craig Harms.  
00:26:53 Craig Harms  
All right, my name is Craig Harms uh I'm the owner of uh Lennox Cremation. I'm also here  
representing Michigan Concrete Barrier Vault and Crematory Association. I am also the current  
President of that association um, and our uh concerns today are uh, representing the  
transportation of a dead body to crematory for cremation must occur if all the following  
requirements are met.  
So, on that, it's requiring that the that we're going to need an authorization form, plus that the  
commit must be endorsed by the Medical Examiner. My concern with this is that in throughout  
Michigan, which is many different areas and many, many parts of Michigan are very rural.  
majority of places, the only refrigeration that is available is at the crematory. By implementing  
this, this is going to cause these deceased to be unrefrigerated and, in this room, many of you  
know that the biggest problem that we all face with getting the cremation to happen is getting a  
doctor's sign, and especially with this country, holidays, we have lots of holidays, and everyone’s  
on a holiday. So that's our biggest, biggest, concern is that we’re always waiting on that  
paperwork, and it's never, it's never a tomorrow thing. It's always 4 days, 5 days.  
And, because of that, we should not be having deceased in room temperatures at funeral homes  
or even in warm garages. in the wintertime, lots of funeral homes use their garages, and garages  
are cool in the wintertime. But in the summertime - they're not cool. And this is not a sanitary  
practice either cause now when the body comes to the crematory, that body could have been  
exposed to flies, flies then breed maggots, and then that's a problem. And. And as a crematory  
owner, I'm telling you that is a problem. It's, it's not sanitary for my staff. It's it's it's not OK to  
have that to the deceased too, I mean that’s a human body and we need to show respect to that  
human body.  
And I feel like this is probably just an error on the fact that of LARA here, just because they're  
not in the field every day. This is not their industry; this is our industry. So, we're seeing how  
things work, and we know that, you know, doctors are our issue of getting things signed. And  
sometimes there's, you know, there's a there's a long-lost sister that we're waiting to sign the  
authorization form who is in New Mexico. So, uh there's lots of reasons why where we're  
waiting for this necessary paperwork. Even myself, I just invested in an $80,000 cooler um,  
because I value that. I'm not charging $1.00 more for my cremations. So, it's not just making  
more money, it's because it's the right thing to do and that's why I did it.  
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And I uh, I don't charge for the storage either for cremation. So, I'm not, I'm not here trying to  
get LARA to change something to make me more money because it's not going to make you  
$1.00 more. I'm here simply because it's just it's the right thing to do and that's all.  
For another um, another, I guess question I have, in which I mean there isn't really a question and  
answer here which I was hoping that it was today, is I'm not sure who's in violation yet if the  
crematory did supply a body that did not have permit. Is the funeral home in violation for  
releasing that custody prior to? Or is the crematory in violation for accepting custody of that  
body prior to having paperwork? In which, in my opinion, hopefully it is both parties, as it  
should be, not just one, because it is not, there’s going to be some strong arming to some of these  
crematories to accept these bodies prior to, in which it's, it's a cutthroat industry, it really is. And  
because of us being third party, we all try to do our best to to uh please our customers and and we  
all know that the customers also want the best for the deceased as well. So, they want that body  
in refrigeration as well. And on top of it, lots more issues are that there could be a mass the  
following day. And the father says that the cremains must be present, and um we're waiting for  
permits, and if the crematory does not have that body present when that permit comes through at  
5:30 PM, then now the funeral home calls the crematory and say, “Hey, it's 5:30, We need this  
body sent to the crematorium, and we need it cremated prior to tomorrow's 10:00 AM mass”.  
And that's, that's a very difficult thing to do. So now that’s putting a burden on small business  
owners that, rather than working from 6:00 AM to 8:00 PM like I normally do, I'm now working  
6:00 AM to 11:00 PM, and I'm still charging the same amount of money for that commission  
because I value my funerals I work for, I don't want to lose them? I want to show them that I'm  
going to work hard for them. And I also value that family, and I know that that family, it means a  
lot to them to have that mass and I know That the church says the premier cremated remains  
must be present for that mass. So, it's definitely gonna put a burden on us, it’s gonna be putting a  
lot of late nights on the crematories, and it's going to be putting a lot of extra hours onto uh, the  
crematories.  
And I'm not saying that I feel that people are going to break the law, but this this here, there's not  
enough state inspectors. LARA. LARA needs more and I and I, I can't believe I'm saying this,  
but they need more, they need more inspectors. Anyone here is a good business owner. That's  
why you're here. Because you’re a good business owner and we are already aide by the law. The  
majority of times people are not abiding by the law, they’re not here today because they don't  
care, and they still might accept that body and take custody of that body when they're not  
supposed to take custody of that body.  
So, I think that these rules are not protecting the honest good business owners that are here.  
They're just hindering the honest good business owners that are here because they're still going to  
be those folks that they don't care what the rules are, and they're going to take that and and  
there's going to be - And I hate saying - but there’s going to funeral homes that turn a blind eye,  
and they're going to pretend that they don't know that the vendor they’re using, is is is choosing  
to close their eyes on this.  
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So that's, that's another thing, so I mean, unless LARA gets more inspectors and we start seeing  
more random inspections, That's that's an issue. We're going to, we're going to we need more  
inspectors. That's, that's what LARA needs.  
Um.  
Uh.  
There's also um, with, with this said, there's also the Senate Bill 544 that feel kind of ties in with  
this, which is now sitting on our governor’s desk waiting to be signed.  
If that is signed, I'm also in fear that there’s going to be large crematories that are going to use  
Senate Bill 544, and they're going to set up set up a separate entity as the storage facility and  
they're going to lease their cooler space to this separate entity. They're going to hire someone  
with a Mortuary Science degree, and they're going to have them be their acting manager and  
they're going to accept these bodies because they legally will be able to.  
And they'll say, great, our facility, we have ABC Storage here, and we can accept these bodies,  
but Jones’s Crematory can't. They don't have that. But we can, and we'll, we'll store’em for ya.  
And as soon as you get that paperwork, ABC storage will lease it to to, uh Smith. You know,  
Smith, cremation. And we'll cremate right away. And this here is going to hurt small, family-ran  
businesses because myself, I can't afford to do that. I can't afford to go hire someone and setup a  
separate entity. And and and pay someone with a mortuary science degree to own, own this  
facility.  
And then this is probably something LARA probably doesn't realize either that's happening, that  
this that this new bill will allow this. as soon as the Governor signs this and as soon as LARA  
enacts this, it will allow that to happen. So, there's, there's always loopholes. People with money  
always find loopholes.  
That feels like these new rules will allow these people with money to find new loopholes. And  
it's not helping us small business owners out. It's putting a burden on us.  
I also know I'm here. I don't want to just criticize this as well.  
There was one spot, the uh where it says dead human bodies must be placed on, must not be  
placed on other dead human bodies for the purpose of preparation, storage or transportation. That  
is, that is a rule that has been needed for years and years and years, and I just want to thank  
LARA for finally doing that.  
It's disgraceful and it's it's it's appalling that it's never been a rule, and and thank God they finally  
did it. And I commend them for that. And I also want to say that I'm available 24/7 if they want  
to know my other concerns or have any questions, please feel free to e-mail me call me.  
I'm always available for the State of Michigan.  
Thank you.  
00:36:55 Mitchell Page  
12  
Thank you, Craig.  
Lila, did you want to speak?  
Alright, so forgive me, it looks like Bo Toth.  
Ben yeah.  
00:37:27 Ben Joffe  
Good morning. Thank you for the opportunity to present here today. My name is Benjamin Joffe.  
I represent the appellant in the case that was mentioned earlier that is in litigation with the  
department and the board, and the stein over arrangement offices. But I also here representing  
private consumers.  
I’m going to speak on Rule 18942, which is going to try and outlaw arrangement offices, but  
before I do that, I want to hold this up.  
This is the 1977 Final Report of set up a meeting investigating department of licensing and this  
report was issued in 1977 by that special committee that special committee was led by  
Representative Gary Mo.  
The occupational code is based on the findings in this report. So to understand why we have the  
occupational code and the Mortuary science to understand history, you have to understand this  
the awesome Legislative is looking at.  
So. You have to understand what the legislature was looking at and what they were trying to  
enforce in 1980 to pass the occupational code based on this. This is basically your federalist  
papers of the Mortuary Science Act and the Occupational Code.  
In this report, the legislature warned us against the perils of an occupational board controlled by  
industry licensees and the words of such are still very relevant to them.  
The first guideline in that report states the primary duty of the department is to protect the  
consumer public.  
Nothing.  
Not at, not nothing.  
Most of these rules protect the industry and not the consumer public. Secondary to the  
responsibility of the department are efforts required to meet that charge of protecting the  
consumer, including assisting the professional traits and occupations in rendering better service.  
OK.  
They further follow that when a board becomes controlled by an industry, the licensing power of  
the boards could be similar to that of a private cartel more inclined to protect yourselves than the  
13  
public.  
Alright.  
More explicitly, where board is made-up of members and not occupation. When the board is  
back, when the when where board is made-up of members of an occupation, they move to obtain  
and maintain a monopolistic control of the supply of the property, which in turn enhances the  
economic compensation of its members. To do this, the the cartel is controlled behaviors of its  
members to ensure that one person does not deviate.  
Hey. Scholars observe the rules when this happens. The end result is the perpetuation of the  
oligopolistic, or monopolistic position of the board and its member interest. Not that of consumer  
protection.  
The final report found that it is improper for their state to license a profession for the benefit of  
the profession.  
In regards to Rule agency proposed Rule 18942, the reasoning stated is the department sees the  
current status of arrangement centers as sometimes engaging in behavior that could fall under the  
practice of mortuary science by unlicensed individuals, and would instead like to see the centers  
operate more narrowly and maintain a fair playing field for all licensees and funeral  
establishments in a given region.  
That does not further consumer protection in one bit. That is industry protectionism right there.  
That is the loadstar against the loadstar, of which the occupational code in the Mortuary Science  
Act based, and that is the reason in fact, there is no statutory basis for maintaining a fair playing  
field.  
It's anti-consumer and only protective the industry and for participants the department does not  
provide any evidence to any harm to any consumers ever though.  
Operational, in fact, as I've been involved in this litigation, we have challenged the department  
and the Board for over 2 years to show any specific harness come from arrangement offices. The  
board has shown zero evidence. Now the board and the department try to propagate the rules to  
get rid of arrangement offices. You know what evidence they show? No, they don't show  
anything that anybody has ever been harmed or will be harmed at these arrangement offices.  
They don't even give a hypothetical about how someone could be harmed when there's never a  
dead human body at any of these arrangement offices, and there never will be. So you tell me  
how shutting down arrangement on this protects the consumer.  
It limits competition and it pushes up prices.  
This is industry protection at its fines. Additionally, there's no statutory basis, as I've already  
said, as they said, they want to level the playing field for law licensees and funeral establishment  
in a given region. The legislative how to do that. In fact in 1980, we also passed the motor  
14  
vehicle frame Change Franchise Act. You know what that did that limited the space where  
dealership franchises could go.  
The legislator knew how to do that then and they didn't do that then When we open up new  
hospitals, you have to get a you have to get a certificate of need for healthcare facilities to add  
more bills. If the legislator wanted to limit things, they knew how to do it in 1980. This is  
specifically a policy position of the board to protect itself.  
It's a guess What the occupational code was originally enacted for?  
Again, that is to protect consumers. This is an anti-competitive statute that people are trying to  
create fiefdoms through their funeral homes. They don't want to see consumers having choices of  
walking into an office, talking to a licensed Mortuary science and talking about things that might  
happen to a dead human body that will never be an arrangement office.  
Again, the reasoning stated by this department and the board is not of consumer protection, but  
industry protection. They've had two years to come up with any real harms there is. No.  
The effect of this rule is to minimize choice for consumers while doing nothing to advance  
public health or public safety, or minimize the risk of unprofessional involving cremations,  
preparations, or any other harm described in the MSA and the underlying history.  
Finally.  
And I did not realize how much time that I would have today.  
But again, through two years of filings, appellant students have not been able to identify any way  
that anything that happens in a region of office would put any Michiganians at any risk of  
unsanitary or unprofessional involving cremations, preparations for any other harm 1 axiom of  
statutory Instruction is the requirement that state should be interpreted and rules Be in part in  
terms of the evil Sought to be remedied Here, based on the first time that we've actually had the  
evil salt to be remedied, it's the level of the playing field for industry participants.  
Consumer protection is the charge of the board and the department. It's not industry protection  
and that's what this rule is about.  
I will say that it's it's even more so.  
Michigan courts have stated that the mission that the the Mortuary Science Act is an act that  
focuses on what is to be done or not done with a dead human body, and in fact we have another  
rule, a whole other statue that's called the prepaid act, and the prepaid act itself states it is an act  
to regulate the sale and providing a funeral and cemetery, merchandise and services and other  
related interests, the direct subject matter that is now trying to be regulated by this rule, we're  
outside of the bounds of the statute. This is a policy preference by the board and this needs to be  
done through legislative action.  
I would say that the board has the board and the department in just one other area, has also  
15  
ignored the prepaid.  
I'll note that Rule 43 it says that all three general establishments must also post their prepaid  
registration. Well, when we go back and we read, we realize that not all funeral homes have to be  
prepaid registrants. In fact, you can either be a prepaid registrant and you can, or you can have a  
contract with the prepaid registrants to provide prepaid Services. So again we're adding now that  
has Funeral Home. You must now all of a sudden be a prepaid registrant because you have to  
post that license and posting the license of the person that you could have a contract with would  
probably be false and mislead.  
So it appears that when these rules were made, although again the department and and and the  
board has been litigating this issue of arrangement offices for over 2 years while standing by  
their proposition that there is some sort of harm over there without displaying none and also  
saying it's the plain language of the rules that you can't have arrangement offices has now  
propagated.  
OK.  
This Proposed a new rule that would actually outlaw these get some policy preference. They're  
overlooking the prepaid act. They're overlooking the other pieces of the statute, and there is not  
one piece of consumer protection and in over 2 1/2 years This board and this department has not  
been able to come up with any type of harm that has happened or could happen, other than  
protecting members of the industry, I implore you to dump this rule to read the statute and to  
read what you would what you've Task which is which is protecting the consumer public and not  
protecting the industry and the profits. And that's exactly what you told me that this rule is about  
again maintain a fair playing field for all licensees and funeral establishments in a given region.  
No, it's consumer protection and we're in a capitalistic society. And how do you protect the  
consumer?  
You give them choices. So, what you're talking about is limiting choices to protect your industry.  
This isn't what this says. This isn't what the Mortuary Science Act says. And in over 50 years, if  
you read this history, you'll find this is what we went back from when 1940, when we had the  
original Mortuary Science Act, was updated 50 years. We had to update again because we had  
monopolistic control by an industry. It's why we have the FTC rule because funeral directors  
Funeral homes try to have a monopoly on selling funeral merchandise and services, and that's  
what we're trying to again.  
There's nothing in the basis of the statute. There's nothing in.  
The first except the underlying history and there's nothing and and outside of the Mortuary  
signings act, the buying and selling the funeral and cemetery merchandise is governed by the  
prepaid.  
Thank you.  
00:47:59 Mitchell Page  
16  
Thank you, Ben. And then next up, forgive me again, it looks like Alan Jowett.  
00:48:16 Alan Jowett  
Thank you. My name is Alan Jowett.  
Uh, Jowett Funeral Home in Port Huron and New Haven.  
Just a couple of things to address.  
Um, I am in 100% support of what you just said. I think arrangement centers are absolutely the  
thing that should happen. Um.  
Two times last week, had two families did not want to come to the funeral homes. They were  
afraid of a funeral home.  
If I had an arrangement center, we could have gone to that office and made the arrangements  
there. Instead, I went to a Big Boy, sat in a Big Boy, I can funeral arrangements at a bar. I can  
make arrangements anywhere. But I can't have a nice office for Grandma and Grandpa to come  
in and talk.  
I don't want to go to their house. Daughter comes over. I go to the do, they want me to come to  
the house to make final arrangements. I go to the home.  
Daughter comes over and she says mom who was here? Oh, the funeral director. Where's your  
ring? Rings gone. Don't see it in your bedroom  
I don't want to go to their home. I don't.  
Because I don't want responsibility for something missing in their home.  
Arrangement Center are the way to go. I support them wholeheartedly. Make arrangements in the  
Big Boy you got people talking and all that, that's not the right thing to do.  
Refrigeration systems that Mister Harms spoke of the, you know, first of all it's ludicrous to me  
That funeral directors don't have coolers in their building. How stupid.  
You have a dead human body, show it care, dignity, and respect.  
Another cooler, I have one that holds 150 people. I have another one we use daily that holds 45.  
Mr. Harms has been in mine a couple times. It's spotless. There is no smell.  
There’s funeral directors that don't want put a cooler in, they’re cheap. They don't want to spend  
the money. They don't want to do it the right way, they put them in the garage. You put a dead  
body in the garage in 90 Degree heat in the summertime. My staff doesn't want that stuff.  
My family doesn’t want that stuff and I'm not going to show a family the disrespect that I put  
your mother in my garage for three days because the doctor didn't sign the death certificate yet.  
That is wrong. Funeral directors all oughta have coolers. Done.  
17  
And they should be based on your bodies. Don't go and buy a 2-person cooler when you have  
300 cases per year. Just because you have a cooler. Doesn't make sense to me.  
In regards to making funeral arrangements. I work seven days a week anywhere from 10 to 16  
hours a day. Seven days. And that's no bullsh*t.  
If I can't trust one of my senior staff that's been with me for 25 years to meet with a family, with  
my supervision, that can't sign a cremation authorization form? I've gotta be there for it?  
Basically, taking the first call is you call us in this. So, we all have to answer our phones. We  
can't have an answering service take our death calls. Because according to this language they're  
not licensed.  
You know I can't answer the phone 24/7. I can't be in my building 24/7. If I'm at the cemetery  
and the family comes in and said my mother passed away at the nursing home next door. And  
we’d like you to take care of her. Basically, my staff can't do anything. The licensed funeral  
director is not in the facility right now. I can't handle that. They should be able to get information  
from them, show them some compassion. Show them some care.  
But to turn them away because the licensee is not there. That's, that's hard for me to swallow.  
The continuing Ed thing, I believe it's all through the Michigan Field Directors Association,  
which I have uh, very strong feelings on, the corrupt, the good old boys network.  
Um, I tried to get into MFDA five years ago and I was denied thing because my competitors  
didn't want me to be a member of it. And they went to the district and did all other things. And  
Mr. Douma said, I think you're aware of this. That all this happened because they didn't want me  
to be a member of MFDA. I'm assuming all continuing Ed is going to be done through the  
MFDA. I'm assuming that.  
I think it's the good old boys network, not how it used to be. So if I gotta get continually get  
through MFDA, I get no continuing yet. Then where you going to get it from?  
You know, to me, the MFDA has done nothing for the funeral directors. You know, back 20 years  
ago for immediate cremation, we got $1400, we get 300 bucks today. MFDA, the lobbyists did  
their job. It did their work. Through the association. Said, we'd be getting more than $300.00  
from immediate cremation.  
None, none of that’s ever happened. None of it.  
But for me to have a staff member not being able to meet with somebody is totally  
unconscionable to me. You know, I've got a lot of staff. I do close to 8-900 cases a year and I'm  
involved in every single case. I can't be on 900 cases in a year all the time.  
If I can trust and employ and I'm, I'm the owner, I'm a very active owner, very active owner. I'm  
very hands on. I know a deal. I see almost every family that I can. If I can't meet with them  
because I'm going on a funeral, at least I go in and meet with them, introduce myself, give them  
my condolences and explain that you're in good hands and we'll take good care of your mama.  
18  
But, You can't be everywhere at one time, and the way this is written, my staff, they they can't do  
anything. They can't take the first call. They can't uh, you know, mother couldn’t come to the  
arrangements because she had doctor's appointments, but she can stop at the funeral this  
afternoon and sign up her cremation authorization form. And if I've got a funeral at 3:00 and she  
comes in at 3:00, she's going to sit and wait until I get back because of the way this is written, the  
licensee has to be there. Tough to do, really, it's tough to do. Mr. Harms mentioned everything  
that people that care about funeral service are here. I care about funeral service there. I'm 65  
years old. I've been here 50. I've been in my building 53 years. So, I know a little something.  
MFDA is just complete sore spot of this continuing ed and all this other stuff because they to me  
it's it’s a political action committee. It's pretty much all there. But again, not every funeral home  
in Michigan is a member of the Michigan Funeral Director Association. They're not.  
So, there's a lot of people who didn't know about today. A lot of people. There's a lot of funeral  
homes in Michigan that aren’t here today because they didn’t know about it. I'm not a member of  
the MFDA and I don't ever care to be. But the only way I heard about it was Wednesday  
afternoon at 3:30 in the afternoon. Mr. Harms is in my office, and he said hey you going into the  
meeting in Lansing on Thursday. Tell me about.  
I got 900 families a year I Should know something. I knew nothing about it until, he notified me.  
But I drove to Lansing last night, spent the night here in beautiful Lansing. Had a great dinner. I  
had a couple of beers with my dinner, enjoyed myself. And here I am this morning.  
But there's so many funeral homes, number one, they can't afford to be a member of MFDA  
because the rates they charge, and and the uh I don’t know I don’t need to go on. But I'm in full  
agreement on arrangement centers. They shut me down, in Chesterfield Township. Okay?  
My competitor in the city of Marysville - Big member of the MFDA. OK, huge member of the  
MFDA like that one. And they're the reason I couldn't join. Because Mr. Dumas and all the other  
people in the district voted against me getting into MFDA.  
But he has a cremation service. In his one location. Different name that ya know, charges  
different rates than his funeral rates. That's wrong. That's what I did, and LARA shut me down.  
I don't want to make arrangements in a big boy. I don't want to make arrangements in a bar. I  
don't want to make arrangements in their home. I mean the risk in this day and age is huge.  
Nice clean office. It's an office.  
The state came up to take pictures. It's an office. Why can't I make arrangements in my office, in  
an office building? Like an attorney does versus uh sitting in a bar or restaurant, or a church  
there’s no difference.  
But I would like to see the uh, non-licensed people with supervision of a licensed funeral director  
be able to meet with the family and talk to them and get information, sign paperwork. They're,  
you know, I'm very hands on and I see everything. I asked a lot of questions. But uh, you know  
the way it's written mean they can't do anything. They can't even pad the locks on the door, they  
can’t even take the first call because you're getting information from them. And I don't want to  
19  
turn business away. The family comes to see me that we've taken care of for years and  
generations - Go someplace else because a funeral director wasn’t that. It’s not fair. Thanks for  
your time.  
00:59:56 Mitchell Page  
Thank you, Alan.  
Stuff we have Sean T. Allen  
01:00:02 Sean Allen  
Morning everyone. Pleasure to be here, my name is Sean Allen, licensed funeral director here in  
state of Michigan. And uh, I'm with Service Corporation International here in Michigan. I want  
to thank you all for being here today and appreciate the opportunity to speak with everyone  
because we are all in this together. We believe that or not. We're here to serve families on the  
worst day of your lives and uh to support the communities and the families that call upon us.  
I'd just like to uh ask for clarification or make suggestions as many of my colleagues have today,  
uh I have opposition to the specific definition as written with supervision. Uh, specifically  
meaning physically present and at the establishment does take into concern the opportunity to  
visit a family as previously brought up this morning in a nursing facility or in their home or at a  
hospital or albeit we don't want to necessarily make arrangements there, at big boy.  
Uh, being physically present as a likely director does, as we have already learned, put a  
significant burden not only on the small-town single license funeral home, but on those of us that  
have more than one licensed facility as well. Those of us that are fortunate to have more than one  
licensee.  
Let's face it, this is a challenging, challenging profession and we could all benefit from some  
time off. Some vacations, sick time, those sort of things are taken into consideration, and many  
of us do have well established members of our community that are arrangers that do a far better  
job than many funeral directors I'll have to be quite honest with you.  
So, I would ask for the clarification and revisit in regard to supervision.  
I uh, I do support a continuing education program of some variety with oversight and would ask  
for clarification on whether the state does indeed recognize all classes that are in place from the  
Academy currently. If those are automatically adopted, if those need to be vetted, whatever the  
circumstances may be, but certainly support a continuing education program.  
I would also like to visit part four, care and storage of remains, and voice my direct support as  
we have already discussed today, for a requirement for refrigeration.  
Some of the atrocities that have happened here in the state of Michigan are direct results of  
inappropriate storage of human remains in unrefrigerated areas of whatever facility.  
It is a requirement here in the state for a veterinarian to refrigerate a deceased animal. But we do  
not have a requirement in the state of Michigan to refrigerate human remains.  
20  
I support, oddly enough, the view of the Michigan Funeral Directors Association to add “due to  
condition” In Rule 339.18937, subsection one, in terms of identification, do you feel there could  
be room for if visual identification is not feasible due to condition it certainly would be an  
appropriate add in my opinion.  
As previously mentioned, unlicensed funeral arrangement centers could also be questioned, and  
I'd seek clarification as written for supervision in regards to uh our ability to make arrangements  
in hospitals, over the phone, any of the previous facilities that I have mentioned.  
Supervision as well brings into question what if an individual stops into your funeral home and  
would like to purchase maybe just some merchandise; an urn, maybe a register book. Those  
things happen often in our locations.  
Supervision. Does a licensed funeral director really need to be there for my receptionist to assist  
that family a register book, printed materials an urn?  
Again, I'd just like to thank you all for the opportunity to be here today. And those of us that are  
here certainly do care. Those of us that couldn't be here, maybe we're not aware of today, don't  
want to think that they don't care, but they’re backs serving families, doing what we need to do  
and certainly appreciate the opportunity to represent the locations and funeral directors that I  
know. I do see many of you in the room that I know, several of you that I'd like to know before  
we depart today, so stick around. Hopefully we can say hi.  
Thank you.  
01:06:28 Mitchell Page  
All right. Thank you, Sean.  
And next up is going to be Peggy Wesley Fitzthum  
01:06:45 Peggy Wesley-Fitzthum  
Good morning. Uh, I was not sure who I'm speaking to. Who is LARA here? Is LARA all on this  
side of the room? No, no, don't want to identify yourselves. There's alright.  
01:07:05 Mitchell Page  
Sorry, no, we’re scattered all over the-  
01:07:07 Linda Clegg  
We’re here from LARA, we have representatives from the board here. And they're scattered  
throughout the group.  
01:07:12 Peggy Wesley-Fitzthum  
Wonderful. Okay, All right. I too am a funeral director. My name is Peggy Wesley-Fitzthum. I  
currently work for Skrupski Family Funeral Home and Cremation Services. I want to thank you  
for allowing us to make these comments and you've heard mostly from funeral home owners and  
21  
a couple attorneys. So, I thought it would be nice if you heard some opinions of a funeral director  
who works on a day-to-day basis in the funeral homes.  
I've been a funeral director for over 30 years and had the privilege of working in Ohio, Indiana  
and now Michigan. As well as work for both family-owned and corporate-owned funeral homes.  
I have a bachelor’s degree in mortuary science from the Cincinnati College of Mortuary Science,  
and um, I have experienced many changes in not just the industry, but in technology and in the  
consumer over those years.  
I'm a believer in education and in regulations, rules and policies. When I first entered the funeral  
industry, we had to get funeral home phones put into our homes in order to answer calls at night.  
We also had telephone lines in the bathrooms. Uh. We also, we had no cell phones, but we  
carried these large things on our belts called pagers which we were constantly attached to.  
Times have changed, technology has changed, and people have changed. Every industry, not just  
the funeral industry, is suffering due to the number of people who desire to work and hold a job.  
But the quality of the candidates who do want to is lacking. Mortuary science colleges are seeing  
more students enter and graduate who are less interested in the profession of guiding families  
through this traumatic time and seemed to have a greater interest in their morbid curiosity of  
death.  
With the shortfall of quality candidates who have come, we have come to rely on extremely  
capable, compassionate, empathetic, intelligent and dedicated individuals as funeral planners  
who are not licensed.  
In a Funeral Home, when funerals are being conducted in various places, it is of great import-  
importance that a family can come in and make arrangements for their loved one with someone  
that can, that we can be confident in, and the family can be confident in as well while the  
licensed person is out directing funerals.  
You are proposing on page 20 section 4, R339.18925 that the licensee be present when the  
arranger is meeting with the family. This will cause undue wait times for families, stress on  
current licensed staff, or funeral homes having to hire poor quality licensed candidates, which in  
turn will also increase the cost of funerals directly to the consumer.  
As I stated previously, technology has changed. We can now almost instantly reach each other by  
your cell phone. We also have the capability of Zoom. Zooms are now being used by attorneys,  
in courts, by doctors, nurse practitioners with their patients.  
I believe this proposal if signed off on will hurt the industry and moreso, the consumer,  
specifically their pockets. In discussing supervision clauses with the proposals, I'd also like to  
direct your attention to the supervision of the intern in the preparation room.  
It - on page 11 Section 1, R 339.18925. No good funeral director would ever just let an intern  
come in and start embalm someone without being present and ensuring they know what they are  
doing.  
22  
Being present from start to finish in the room every single time seems a bit ridiculous. I believe  
we will see a reduction of funeral homes hiring interns due to the time commitment of this  
proposed.  
Again, we are all reachable in this day and age. Being accessible is the key. And I also want to  
know on the continuing education which I have come from, states that have always required  
continuing education. I would like to make a suggestion with our continuing education - I highly  
suggest that LARA, the state of Michigan, have an easily obtainable list of approved Michigan  
approved CE classes. Some of the states that I am familiar with do not have this available, which  
leaves the funeral director having to really do a lot of time searching for those approved courses.  
And when they find out they're not approved, they're in trouble. So, I would highly suggest this.  
Thank you.  
01:13:44 Mitchell Page  
Thank you, Patty.  
Is there anyone else that would like to speak?  
All right. So, seeing as there are no further comments, I hereby declare the dreams closed any  
additional Clients regarding the proposed rules that you wish to share must be submitted in  
writing to myself, Mitchell Page. My e-mail is [email protected].  
The record will remain open until next Friday, July 26, at 5:00 PM.  
The current time is 11:18AM.  
And we are done.  
Thank you all for coming.  
;