Skip to content
Social Security Online
Supplemental Security Income (SSI)
Links to SSI

2008 Edition
blank spaceEn Español
SSA logo: link to Social Security Online home

Understanding Supplemental Security Income
SSI Spotlight on Burial Funds
blank space2008 Edition

What is a burial fund?

A burial fund is money set aside to pay for burial expenses. For example, this money can be in a bank account, other financial instrument, or a prepaid burial arrangement.

Some states allow an individual to pre–pay their burial by contracting with a funeral home and paying in advance for their funeral. You should discuss this with your local Social Security office.


Does a burial fund count as a resource for SSI?

Generally, you and your spouse can set aside up to $1,500 each to pay for burial expenses. In most cases, this money will not count as a resourceresource for SSI.

If you (and your spouse) own life insurance polices or have other burial arrangements in addition to your $1,500 burial funds, some of the money in the burial fund may count toward the resourceresource limit of $2,000 for an individual or $3,000 for a couple.

Does interest earned on your (and your spouse's) burial fund count as a resource or income for SSI?

No. Interest earned on your (or your spouse's) burial fund that you leave in the fund does not count as a resourceresource or incomeincome for SSI and does not affect your SSI benefit.

How can you set up a burial fund?

Any account you set up must clearly show that the money is set aside to pay burial expenses. You can do this either by:

    blank spacer
    small blue and black arrow
    titling the account as a burial fund; or
    blank spacer
    small blue and black arrow
    signing a statement saying
    blank spacerhow much has been set aside for burial expenses,
    blank spacerfor whose burial the money is set aside,
    blank spacerhow the money has been set aside, and
    blank spacerthe date you first considered the money set aside for burial expenses.

What happens when you spend money from a burial fund?

If you spend any money from a burial fund on items unrelated to burial expenses, there may be a penalty.

Return to
Top of Page

FOR MORE INFORMATION, CALL 1–800–772–1213 (TTY 1–800–325–0778),
OR CONTACT YOUR LOCAL SOCIAL SECURITY OFFICE. Portal to U.S. government agencies Privacy Policy | Website Policies & Other Important Information | Site Map
Need Larger Text?