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Trust Funds - Burial Cheat Sheet by

Trust Funds - Burial Items
items     medicaid     funds     trust     burial


If you need to qualify for Medicaid coverage for long term care, you may be trying to think of smart ways to spend down your assets. Burial plans can be set up as exempt assets so that they are not counted when applying for Medicaid coverage. This way, you are able to preserve some assets that your family will need one day.

Exempt from counting for Medicaid qualif­ication

An irrevo­cable contract for burial space items (with no limitation on the amount) for you and your immediate family members including your spouse, your children (including adoptive and stepch­ild­ren), their spouses, your siblings and their spouses, and your parents.

Burial space items include caskets, urns, vaults, burial plots, cremation niches, headst­ones, opening and closing of the grave, and perpetual care. Burial space items are counted as separate from burial funds.

Burial funds and Burial space items

These terms may sound similar, but they mean different things when it comes to Medicaid spend down rules. Both burial funds and burial space items can be placed into irrevo­cable contracts. The term “irrev­ocable” signifies that you cannot cancel or liquidate your assets within the contract for cash value. This irrevo­cable status excludes the contract from being considered as a countable asset for your state’s Medicaid program. “Burial funds” is a term that designates the services provided by a funeral home. “Burial space items” is a term that designates the mercha­ndise and items associated with the burial of a body

Exempt Burial Space Items

Cost of opening and closing grave site
Cost of mainta­ining gravesite (perpetual care)
Conven­tional Gravesite
Outer Receptacle
Other reposi­tories for remains

Non-Exempt Burial Space Items

Acknow­led­gement Cards
Arrang­ement and Superv­ision
Chapel and Facilities
Church Offering
Clergy Honorarium
Clothing or Burial Garments
Flower Care
Memorial Package
Newspaper Notices
Other Prepar­ation of Remains
Out of Town Funeral Director Charges
Out of Town Transp­ort­ation
Pall Bearers
Prayer Cards
Transfer of Remains to Funeral Chapel

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