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How to use funeral planning to become eligible for Medicaid

Views: 2018
Posted: 23 Apr, 2009
by David Silva (Selfhelp Community Services, Inc.)
Updated: 23 Apr, 2009
by David Silva (Selfhelp Community Services, Inc.)

One common reason why people are ineligible for Medicaid or SSI is if their assets are over the limit.  Rather than give money away to make yourself eligible, it is better to find ways either to spend the money or convert it into an exempt form.  One way to do this is through funeral arrangements.

For both Medicaid and SSI, certain types of funeral arrangements - including burial funds, pre-paid funeral agreements, and burial plots - are exempt from consideration as assets.  In this way, an applicant can reduce their countable assets while also ensuring that their wishes about their funeral are respected.

This memo from Selfhelp explains how these plans work.


This site provides general information only. This is not legal advice. You can only obtain legal advice from a lawyer. In addition, your use of this site does not create an attorney-client relationship.  To contact a lawyer, visit http://lawhelp.org/ny. We make every effort to keep these materials and links up-to-date and in accordance with New York City, New York state and federal law. However, we do not guarantee the accuracy of this information.

Attached files
file BurialExemption.pdf (305 kb)

Also read
document Transfer of Asset Rules in Medicaid -- The Deficit Reduction Act of 2005
document Keeping Medicaid after Cash Public Assistance or SSI Benefits Are Terminated

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This site provides general information only. This is not legal advice. You can only obtain legal advice from a lawyer. In addition, your use of this site does not create an attorney-client relationship.  To contact a lawyer, visit http://lawhelp.org/ny. We make every effort to keep these materials and links up-to-date and in accordance with New York City, New York state and federal law. However, we do not guarantee the accuracy of this information.  To report a dead link or other website-related problem, please e-mail us.