Preplanning your funeral is a option that allows yourself or a member of your family to pre-arrange a funeral service. This takes the burden away from your next of kin when you pass away. You can either prearrange your funeral or prepay your funeral. If you elect to prepay your funeral, the money is placed in a trust fund administered by the New Jersey State Funeral Director’s Association. The trust fund in an interest bearing account. The name of this trust is CHOICES. Your funds are 100% F.D.I.C. insured and may be *refunded to you at anytime with no penalties. Pre-paying a funeral is an acceptable means of the Medicaid spend down process. For more information on CHOICES go to 

*If you have an irrevocable trust account for Medicaid purposes, your Medicaid status may change if you get a refund.