Pre-funeral Arrangements

One less thing to worry about

A Life’s WORC Pooled or Individual Supplemental Needs Trust may prepay any funeral related expense during the lifetime of the beneficiary. However, once a beneficiary dies, we cannot use trust funds to pay any funeral expense. All beneficiaries should consider funeral pre-planning, unless they have a family member or advocate to assume this responsibility.

Trust beneficiaries who are eligible for Medicaid or Supplemental Security Income (SSI) are entitled to pre-fund their funeral expenses by setting up what is known as an irrevocable pre-need funeral agreement. These trusts allow Medicaid and SSI recipients to set aside and designate funds for the sole purpose of paying their funeral and burial expenses.

These funds, under state law, cannot be counted as a resource, so you do not have to worry about them affecting SSI/Medicaid eligibility. However, Medicaid does not allow for trust funds to be used after a person passes away, so paying for a funeral after a person passes is not permitted.

Many of our trust beneficiaries use Cooperative Funeral Fund to pay for their pre-funeral arrangements.