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mortuary is needed if the amount is above the specified maximum. When to Verify •At initial application. •At renewal applications if changes have occurred. •If client reports change that affects eligibility. •At initial application. •At renewal applications if changes have occurred. •If client reports change that affects eligibility.

•At initial application. •At renewal applications if changes have occurred. •If client reports change that affects eligibility. Exemptions, Disregards and Comments • A burial trust must be irrevocable if it is for paying non-excluded burial expenses. • If the irrevocable burial trust exceeds the specified maximum for non-excluded burial expenses, the excess is considered an available resource. •Once a policy is verified as irrevocable it does not need to be verified again.

• If the client has irrevocably assigned more than the specified maximum for non- excluded burial expenses in the burial insurance policy, the excess must be reviewed by the Department for deprivation of resources, if applicable. • If ownership of the burial insurance policy has been passed to the funeral home and the client is no longer the policy owner, then verification of an irrevocable beneficiary assignment is not needed.

•The contract may be funded by money set aside in a bank account or in a burial insurance policy.

Questions to Consider •Have you purchased any pre- arranged funeral plans? •Do you have any insurance policies designated for burial or that have been assigned to a funeral home?

•Have you pre-purchased any items for your burial or service? Sources for More Information 477 NAC 23-003.05(A)(iii)(1)(a)

477 NAC 23- 003.05(A)(iii)(5)

477 NAC 23-003.05(A)(iii)(8)

Money/Account Designated for Burial Burial Spaces (Plot) Definition An account, separated from all other funds, with up to $1,500 set aside for the sole purpose of paying for burial expenses. These accounts, and any interest earned, are excluded as a resource. Includes a crypt, mausoleum, urn, casket, marker, vault, or other repository for the remains of a deceased person. This also applies to markers, vaults, applicable sales tax, charges for opening and closing the grave. Does not include services, burial fees, etc.