A sleek, black wooden cube-shaped cremation urn with inlays on two visible sides, placed on a wooden shelf beside books and a small vase of dried flowers, lit by soft natural sunlight.

How Does Cremation Work? A Step-by-Step Explanation for Families

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Time to read 21 min

TL;DR: Understanding What Happens During Cremation Brings Comfort and Clarity

Cremation is a dignified, traditionally flame-based process where your loved one is respectfully cared for from start to finish. At Magnolia Cremations, we handle everything in-house at our family-owned crematory in Jeffersonville, never outsourcing your loved one's care. The process takes 2-3 hours at temperatures up to 1,800°F, with only one person cremated at a time.


From the moment we transfer your loved one into our care, a permanent ID tag ensures secure tracking through every step: gentle preparation, private cremation, and careful processing of ashes. You'll receive the cremated ashes in a temporary container or selected urn, either through in-person pickup or secure shipping. Understanding each step helps ease uncertainty during a difficult time and gives you confidence that your loved one is treated with complete dignity and respect.


Want to know the full details of each step? Continue reading to see exactly how we care for your loved one with transparency and compassion.

Why More Indiana & Kentucky Families Are Choosing Cremation

Cremation now accounts for about 62% of dispositions nationally (2024), and adoption continues to rise. Rates vary by state and community, but the trend in Indiana and Kentucky mirrors national growth. If you're considering cremation for yourself or a loved one, you're not alone. Here's why so many families are making this choice:

Affordable and transparent pricing

Direct cremation typically averages $2,031 to $2,295 in our region, compared to $7,000 to $12,000 for traditional burial with a funeral service. There are no hidden fees or surprise charges when you choose a provider with transparent pricing, like Magnolia Cremations, where our direct cremation price starts at just $895, making us one of the most affordable options in the region.

Flexibility for memorial planning

Unlike burial, which requires immediate decisions and quick coordination, cremation gives families time to gather from across the country and plan a meaningful celebration of life when they're ready. This is especially helpful when family members are spread out or need time to make travel arrangements.

Environmentally conscious choice

Cremation uses significantly less land than traditional burial, avoids harsh embalming chemicals, and reduces the use of hardwood and metal resources. For families concerned about their environmental impact, cremation offers a more sustainable option.

Personalized memorialization options

With cremation, families can keep ashes at home, share them among family members, scatter them in a meaningful location, or create memorial jewelry. These options offer more personal ways to honor your loved one than a traditional cemetery plot.

Simpler when pre-planning

Pre-arranging cremation removes difficult decisions from your family during an emotional time and locks in today's prices. Many people find peace of mind knowing their final arrangements are already handled.

Less religious restriction

While some religions historically opposed cremation, most Christian denominations, Reform Judaism, and other faiths now accept the practice. This shift has made cremation accessible to more families regardless of their beliefs.

What Is Cremation?

Cremation is a respectful, traditionally flame-based process where a loved one's body is reduced to bone fragments through intense heat (up to 1,800°F). These bone fragments are then processed into fine ash and returned to the family in a secure, labeled container or urn. It's a dignified alternative to traditional burial that gives families flexibility in how they memorialize and honor their loved one.


At Magnolia Cremations, we are licensed professionals serving families throughout Kentucky and Indiana at our family-owned, in-house crematory in Jeffersonville, IN. Your loved one’s care is never outsourced to third parties. Our cremations are private, transparent, and local.

“We treat your loved one as if they were our own. No shortcuts. Just dignity, clarity, and care.”

– Aaron Scott, Owner, Magnolia Cremations

Understanding Different Types of Cremation

When researching cremation, you may come across different methods. Here's what you need to know about each type and what's available in Indiana and Kentucky.

Flame-Based Cremation (What We Offer)

This is the most common and accessible method of cremation. The body is placed in a cremation chamber (called a retort) that reaches temperatures of 1,400–1,800°F. The intense heat reduces the body to bone fragments over 2-3 hours. These fragments are then processed into fine ash and returned to the family.


Flame-based cremation is legal throughout the United States and remains the most affordable option for families. This is what Magnolia Cremations specializes in, and we perform every cremation in our own facility.

Alkaline Hydrolysis (Water Cremation)

Also called aquamation or green cremation, this process uses water and alkali instead of flame. The body is placed in a pressurized chamber with 95% water and 5% alkali, which speeds up the natural decomposition process. This method is considered more environmentally friendly because it uses less energy and produces no emissions.


Important note: Alkaline hydrolysis is not currently legal in Indiana or Kentucky. While it's available in some states, families in our region cannot currently choose this option. Indiana considered a 2025 bill to add alkaline hydrolysis to state law, but it did not pass. Magnolia Cremations offers flame cremation with environmentally conscious practices, the most accessible option for families in our region.

Direct Cremation vs. Cremation with Service

These aren't different cremation methods, but different service options:


Direct cremation is when cremation happens shortly after death without a formal viewing or funeral service beforehand. This is what Magnolia specializes in. Families often hold a memorial service or celebration of life later, giving them time to plan something meaningful without the pressure of immediate decisions.


Cremation with service includes embalming, a public viewing or visitation, and a traditional funeral service before cremation. This option significantly increases costs (often adding $3,000 to $6,000 or more) because it requires embalming, facility rental, and often a ceremonial casket.

Feature
Direct Cremation with Magnolia
Direct Cremation in Indiana & Kentucky
Cremation with Service
Traditional Burial
Average Cost Starts at $895 $2,031 - $2,995 $4,500 - $8,000 $7,000 - $12,000+
Embalming Not required Not required Required Required
Viewing/Visitation Optional, later Optional, later Yes, before cremation Yes, before burial
Memorial Options Unlimited flexibility Unlimited flexibility Service before cremation Cemetery plot

How Does Cremation Work? The Cremation Process: Step-by-Step

Here's exactly what happens from the moment you call us until you receive your loved one's ashes. We believe transparency brings comfort during uncertain times.

Step 1: Compassionate Transfer Into Our Care

We gently and respectfully transport your loved one from their place of passing to our crematory in Jeffersonville, IN. We can pick up from homes, hospitals, hospice facilities, nursing homes, and coroner’s offices throughout Kentucky and Indiana.

  • Immediate identification: A permanent metal ID tag is placed with your loved one the moment they come into our care. This tag contains a unique tracking number and stays with them through every single step of the process.


  • Timeframe: We typically complete transfers within 24 hours once your loved one is released by the facility. In most cases, hospitals, nursing homes, and hospice facilities release immediately. If a coroner is involved or an autopsy is required, there may be a wait time before release, which is beyond our control. We'll stay in close communication with you about timing.

Step 2: Gentle Preparation of the Body

Before cremation can take place, we carefully prepare your loved one following both industry standards and our own high standards of care.

  • Removing non-organic materials: Pacemakers, insulin pumps, and other battery-operated medical devices are carefully removed. These items can react dangerously at high temperatures, so their removal is required for safety. Surgical implants like hip or knee replacements can stay, as they'll be removed from the ashes later.


  • Cleaning and positioning: Your loved one is gently washed and respectfully positioned in the cremation container. This is done with the same care and dignity you'd expect for your own family member.


  • No embalming needed: Direct cremation doesn't require embalming, which saves cost and avoids harsh formaldehyde-based chemicals. Embalming is only necessary if you're planning a public viewing before cremation.


  • Personal items: Jewelry and keepsakes are documented and returned to your family upon request. Some families choose to have wedding rings or religious items stay with their loved one during cremation, and we honor those wishes.


  • Clothing: For direct cremation without a viewing, your loved one is typically cremated in either a simple gown or the clothing they were wearing when they came into our care. If you're having a viewing first, we can dress them in clothing you provide.

Step 3: Placement in a Cremation Container

Your loved one is placed in a fully combustible container, typically made of fiberboard or thick cardboard. This container is sturdy enough to hold weight safely and burns completely during cremation.

  • No casket required: The FTC Funeral Rule prohibits requiring families to buy a casket for direct cremation; a rigid, combustible alternative container is acceptable and common. Some families choose to purchase a simple cremation casket if they're having a viewing first, but it's not necessary for direct cremation.


  • Container enters the chamber: The container is placed directly into the cremation chamber on a mechanical tray system. The ID tag remains with your loved one and is visible throughout the process.

Step 4: Private Cremation in a Secure Chamber

This is the cremation itself. Here's what happens inside the cremation chamber.

  • Temperature and duration: The cremation chamber (also called a retort) reaches temperatures between 1,400°F and 1,800°F. The entire process takes approximately 2 to 3 hours, depending on body size and composition.


  • What happens to the body: The intense heat causes all soft tissue to vaporize. Organic matter breaks down into gases (primarily carbon dioxide and water vapor), which are released through the facility's filtration system. What remains are bone fragments and any metal surgical implants.



  • Cooling period: After the cremation cycle completes, the chamber must cool for 1 to 2 hours before we can safely handle the remains.

Step 5: Processing and Finalizing the Ashes

After the cremation chamber has cooled, we carefully complete the final steps.

  • Metal removal: Any metal that remains (surgical pins, screws, hip or knee replacements) is carefully removed by hand or with magnets. Most families choose to have these items recycled, but we can return them to you if you prefer.


  • Processing into ash: The remaining bone fragments are placed in a processor that grinds them into a fine, sand-like consistency. This is what most people think of as "ashes" or "cremated remains."


  • Final weight: Most adults yield between 3 to 7 pounds of ashes, depending on body size and bone density. We place the ashes in either a temporary plastic container or an urn you've selected.


  • ID verification: The metal ID tag that's been with your loved one since day one is verified one final time and returned with the ashes for your records.

Step 6: Returning the Ashes to Your Family

Once processing is complete, we contact you to arrange for pickup or shipping.

  • In-person pickup: You can pick up ashes from our Jeffersonville, IN, location or our Louisville, KY office during business hours. Many families prefer this option because they can ask any final questions and receive their loved one directly.


  • Secure shipping: If shipping is needed, the USPS is the only carrier that transports ashes. As of March 1, 2025, USPS requires the Priority Mail Express Cremated Remains box (BOX-CRE) for all shipments, with tracking and insurance. Magnolia offers shipping for a flat rate of $125.


  • Timeframe: Most families receive their loved one's ashes within 5 to 7 business days from the date of cremation. This is significantly faster than many providers who outsource to third-party crematoriums (which can take 10 to 14 days or longer).

Why Our In-House Crematory Matters

Unlike funeral homes that outsource cremation to third-party facilities, Magnolia Cremations owns and operates our crematory in Jeffersonville. This makes a real difference in your experience.

  • Your loved one never leaves our care: From the moment we pick them up until you receive their ashes, they remain in our facility under our direct supervision. There's no transport to unknown locations or handoffs to other companies.


  • Faster turnaround time: Because we don't wait for outside crematory schedules, most families receive ashes within 5 to 7 days instead of the 10 to 14 days common with providers who outsource.


  • Complete transparency: You're welcome to tour our facility anytime if you’d like to see where your loved one will be cared for and meet the team who will handle their cremation. Many families find this brings peace of mind.**


  • Secure chain of custody: One team. One location. One ID tracking system from start to finish. There are fewer handoffs and fewer chances for errors or delays.

 **Want to see where your loved one will be cared for? Please call us at 812-913-0044 to schedule a facility tour.

You’re Not Alone. Let’s Take the Next Step Together.

Curious about cremation pricing? Start with our Cremation Cost Calculator, it’s fast, transparent, and zero obligation. Know exactly what to expect before making any decisions.

Ready to start planning from home? Our Online Cremation Planner is always available. Secure, private, and designed to walk you through every step, 24/7.

📞 Need to speak with someone now?

Our Family Care Advisors are available day or night to answer your questions with warmth and respect. No funeral home visit required.

We’re proud to serve families across Indiana and Kentucky, including Louisville, Jeffersonville, and the surrounding communities.

What Happens After Cremation? Your Options for Ashes

Once you receive your loved one's ashes, you have many meaningful options for what to do with them.

Keeping Ashes at Home

Many families keep ashes in an urn at home, either permanently or until they decide on another option. You can display the urn in a special place or keep it somewhere private. There are no laws in Indiana or Kentucky prohibiting you from keeping ashes at home.

Scattering in a Meaningful Location

You can scatter ashes in places that were meaningful to your loved one, such as:

  • Private property (with the owner's permission)


  • National parks and forests (check individual park regulations)


  • Bodies of water like rivers, lakes, or the ocean (at least 3 nautical miles from shore for burial at sea according to EPA federal guidelines)


  • Designated scattering gardens at cemeteries

Important: Always follow local, state, and federal rules and obtain necessary permissions before scattering ashes.

Burial in a Cemetery

Ashes can be buried in a traditional cemetery plot, a smaller cremation plot, or in a columbarium (a structure with niches specifically for urns). Cemetery burial provides a permanent place for family to visit.

Sharing Among Family Members

It's common to divide ashes among family members. You can purchase small keepsake urns or memorial jewelry that holds a portion of ashes, allowing multiple family members to keep their loved one close.

Creating Memorial Items

Many companies can incorporate a small amount of ash into:

  • Memorial jewelry (pendants, rings, bracelets)


  • Glass art or sculptures


  • Fireworks for a memorial celebration


  • Memorial diamonds or gemstones


  • Biodegradable urns that grow into trees

There's no "right" choice. What matters is choosing an option that feels meaningful to you and honors your loved one's memory.

Understanding Cremation Costs in Indiana & Kentucky

One of the biggest questions families have is "How much does cremation cost?" Here's what you need to know about pricing in our region.

Direct Cremation Pricing

The average cost for direct cremation in Indiana and Kentucky typically ranges from $2000 to $3,000, depending on the provider and what's included. At Magnolia Cremations, direct cremation starts at just $895, making it one of the most affordable options in the region. Traditional burial with a funeral service, by comparison, averages $7,000 to $12,000 or more.

What's typically included in direct cremation:

  • Transfer of your loved one into our care


  • Secure refrigeration until cremation


  • All necessary paperwork and permits


  • The cremation itself in our private facility


  • Basic temporary container for ashes


  • Return of ashes via in-person pickup


  • Obituary page on our website


Additional costs you might encounter:


  • Shipping ashes: $125 flat rate if you can't pick up in person


  • Upgraded urns: $49-$359+ depending on style, material, and optional engraving


  • Memorial jewelry or keepsakes: Varies by item


  • Obituary publication: $200-$600, depending on newspaper and length

What Affects the Cost?

Several factors can increase or decrease cremation costs, depending on the provider:


Service area: If your loved one passes away outside of a 50-mile radius from our crematory, there will be additional transportation fees.


Timing: After-hours or weekend transfers may have additional fees with some providers (we do not charge extra for this).


Body donation considerations: If your loved one was registered with a body donation program that falls through, cremation may be needed as a backup.


Additional services: Memorial services, death certificate filing assistance, or expedited processing may cost extra.

How to Pay for Cremation

Most families pay for cremation through one of these methods:


Out of pocket: Cash, check, or credit card at the time of service. At Magnolia Cremations, we also accept payment via digital wallets (Apple Pay, Google Pay, PayPal, Amazon Pay, ShopPay) and offer financing options through Affirm.


Pre-need arrangements: If your loved one pre-planned and pre-paid for cremation, those funds are used.


Life insurance assignment: Some life insurance policies can be assigned directly to the funeral home to cover costs.


Veterans benefits: Eligible veterans may receive a burial allowance and free burial in a national cemetery. Learn more about VA benefits →  2025 VA Burial & Cremation Benefits


Medicaid: In some cases, Indiana Medicaid offers up to $1,200 in funeral assistance. Unfortunately, Kentucky Medicaid does not currently provide financial assistance for cremation or funeral services. 


For full details on who qualifies and how we can help verify your eligibility, read our guideHow to Get Free or Low-Cost Cremation in Indiana Through Medicaid


Questions about pricing? Calculate your cremation costs using our free Cremation Cost Calculator. It's a quick, transparent way to see your exact cost for cremation before you get started making arrangements.

Frequently Asked Questions About Direct Cremation

How do you ensure the ashes returned to us are our loved one's?

At Magnolia Cremations, we follow a strict and transparent identification process to guarantee that the ashes you receive belong solely to your loved one.


From the moment someone comes into our care, we implement multiple layers of tracking and verification to protect the dignity of each individual and give families complete peace of mind.


Here’s how we ensure accuracy at every step:


Two-Tag Identification System


Every individual is assigned two identification tags that stay with them throughout the entire cremation process:


  • round stainless steel tag issued by Magnolia Cremations

  • A rectangular brass tag issued by our on-site crematory


These tags remain with your loved one at all times, including inside the cremation chamber and in the returned ashes.


Chain of Custody Documentation

 
We complete and maintain detailed chain of custody records, documenting every stage of care, from transfer into our facility to cremation, to the release of the cremated remains. Nothing is left to chance.


Licensed, In-House Cremation


All cremations are performed at our family-owned and state-licensed crematory, Falls City Crematory, ensuring no third-party handling and complete control over every aspect of the process.


We understand that returning your loved one’s remains is a deeply emotional moment. That’s why we’ve built our process around accountability, transparency, and respect, so you can feel confident and supported every step of the way.

Can I choose the clothing and/or personal items to include in the cremation?

Yes, you can absolutely choose the clothing and personal items to include with your loved one (or yourself) during cremation.


At Magnolia Cremations, we know how important it is to honor a life in a way that feels meaningful and personal. Whether you're making arrangements for a loved one or planning ahead for yourself, we’re here to support your wishes with compassion and care.


Here’s what you can include:


  • Clothing
    Families often select:

    • Suits or dresses

    • Pajamas or favorite outfits

    • Uniforms or culturally significant garments

  • Personal items
    We’ve seen families include:

    • Letters or drawings

    • Photos

    • Stuffed animals or toys (like a teddy bear)

    • Handmade keepsakes

    • Other items with sentimental value

  • Styling requests
    You're welcome to make requests around:

    • Hair styling or grooming

    • Nail polish colors

    • Specific appearance preferences


Things to consider:


  • Jewelry is not recommended
    While you can choose to include it, jewelry is typically destroyed during cremation and cannot be recovered. We encourage families to keep these items as cherished keepsakes instead.

  • We’ll honor all meaningful requests
    Whether it’s a favorite T-shirt or something completely unique, we’re here to say “yes” whenever we can, and we’ll always handle every detail with care and respect.

Whether you're preplanning or planning for someone you love, you're not alone.


We’re here to listen, guide, and make sure every detail, no matter how small, reflects your wishes. If you have questions or special requests, just reach out. We'll walk with you every step of the way.

How long does the actual cremation process take from start to finish?

The actual cremation process inside the chamber typically takes 2 to 4 hours, though the full timeline, including cooling and processing, is usually 3 to 6 hours total.


Here’s what happens:


  • Preheating the cremation chamber: 30–60 minutes

  • Cremation cycle: 2–4 hours, depending on body size and container type

  • Cooling and processing: 1–2 hours


At Magnolia Cremations, we operate two cremation machines and handle everything in-house at our private crematory. Since there are no third-party delays, we can perform up to eight cremations per day, depending on scheduling and paperwork approvals. While the physical process is relatively fast, the full timeline, from arrangement to the return of ashes, can vary based on state requirements, paperwork, and coroner authorizations.


We do everything possible to ensure your loved one is returned to you as quickly and respectfully as possible, and we’ll keep your family updated every step of the way.

How long does it take to receive my loved one’s ashes?

In most cases, families receive their loved one’s ashes within 5 to 10 days, depending on the state and how quickly all required paperwork is completed.


  • In Indiana: The timeline is typically 7–10 days, due to a mandatory 48-hour waiting period and the need for a physician or coroner’s signature before cremation can proceed.


  • In Kentucky: Families usually receive ashes within 5–7 days, as the coroner typically signs the cremation permit within 24–48 hours.


Delays can sometimes occur due to paperwork, holidays, or pending authorizations, but our team works diligently to ensure a smooth and timely process. We’ll keep you informed every step of the way.

How does Magnolia Cremations ensure the correct identification of ashes?

We follow a rigorous, multi-step identification process that exceeds industry standards, ensuring every loved one entrusted to us is accurately identified and respectfully returned to their family.


At Magnolia Cremations, we treat every cremation as a meaningful service, not just a step in the process. That begins with accurate identification the moment someone enters our care and continues until their ashes are safely returned.


Here’s how we ensure correct identification:


Chain of Custody Documentation


Every decedent is tracked through a detailed chain of custody form, signed at the time of transfer and updated at every step of their care. This form includes up to 40 data points, including items like personal effects, special requests, or fingerprinting.


Two-Tiered ID Tag System


We use a two-tag identification system to provide physical verification throughout the cremation process:


  • Scott Family Services (Magnolia’s parent company) stainless steel ID tag — assigned when the person first comes into our care

  • A Falls City Crematory (our family-owned crematory) brass ID tag — assigned at the time of cremation


Both tags are included with the ashes returned to the family, providing dual verification. Families sometimes ask why the tags don’t say “Magnolia” — that’s because Magnolia is our cremation brand, but the cremation itself is carried out by our licensed in-house facility, Falls City Crematory, under our parent company, Scott Family Services.


Barcode Scanning and Digital Records


Every stage of care is digitally tracked using barcode scanning and timestamp logging, allowing us to instantly verify a person’s identity, cremation details, and handling history using their unique ID tag number, even without a name.


This system allows us to say with complete confidence: the ashes returned to you are your loved one, and only your loved one. We understand how sacred that trust is, and we take every possible step to protect it.

What happens to pacemakers and medical implants during cremation?

At Magnolia Cremations, we treat every step of the cremation process with care, including the respectful removal and handling of medical devices like pacemakers, joint replacements, and surgical implants.


Are pacemakers removed before cremation?


Yes. Pacemakers are removed before cremation because they contain lithium batteries and, in some cases, radioactive components that can explode under extreme heat, creating safety hazards and risking damage to crematory equipment.


✔ Licensed professionals carefully remove pacemakers following all safety regulations.

✔ This step is fully documented as part of our chain of custody process.

✔ Some families request to donate pacemakers for veterinary use; we’re happy to assist if desired.


What happens to metal implants during cremation?


Items like titanium hip replacements, metal rods, spinal supports, and surgical screws do not burn during cremation. Instead, they are:


  • Separated after the cremation process is complete

  • Removed during the ash processing stage

  • Available for return to the family upon request (though rare)


What does Magnolia Cremations do with recovered metal?


All surgical metal recovered at Magnolia is responsibly recycled, never sent to landfills. 


💚 100% of recycling proceeds are donated to local charities in Jeffersonville, Indiana.


These donations support:


  • School supply drives

  • Hunger relief programs

  • Green space beautification

  • Assistance for underserved families


Can I request implants or devices back?


Yes. While uncommon, families can request the return of implants or surgical hardware. We are always happy to accommodate special requests when possible.


Why this matters


Cremation involves more than just respectful care; it’s about ethical responsibility, community impact, and transparency at every stage. At Magnolia Cremations, we handle medical devices with the same dignity and attention we give to every part of the process.

Is my loved one cleaned or prepared before cremation?

Yes. At Magnolia Cremations, your loved one is gently and respectfully prepared before cremation, just as you would expect from a trusted professional care team. Even if no public viewing or ceremony is planned, we believe every person deserves dignified preparation before their final transition.


Here’s what our caring team does after your loved one enters our care:


Gentle cleansing and bathing

✅ Removal of medical devices like IVs, pacemakers, or catheters (if required for safety)

Hair combing and light grooming

✅ Respectful positioning , including closing of the eyes and mouth and a peaceful resting posture

✅ Clothing options — We use hospital-style gowns or clothing provided by the family

Inclusion of personal items, such as a blanket, keepsake, or letter, upon request


Your loved one is never treated as “just a case number.” From the moment they arrive at our private, in-house crematory, they are cared for like family, with compassion, professionalism, and secure identification at every step.

Aaron Scott, Vice President and Licensed Funeral Director at Magnolia Cremations

About the Author: Aaron Scott

Aaron Scott is Vice President of Scott Family Services, the parent company of Magnolia Cremations, and a licensed funeral director in Indiana (#FD21100032) and Kentucky (#6880). A native of Jeffersonville, Indiana, Aaron graduated from Jeffersonville High School in 1999, earned his Bachelor of Science from Murray State University in 2003, and completed his funeral service training at Mid-America College in 2005.


Aaron currently serves as Clark County Coroner and holds a leadership role as District 8 Director on the Indiana Funeral Directors Association Board. He brings nearly 20 years of experience to his role, blending professional expertise with a genuine passion for serving others.


Outside of work, Aaron enjoys traveling and spending time with his wife, Alanna, their two children, Cora and Andrew, and their loyal dog, Stanley. His commitment to excellence and community care continues to shape the future of funeral service in Southern Indiana and beyond.


Author bio up-to-date as of October 2025