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Pre-Need Center

Being Prepared
Prearranging - SSI and Medicaid
Who should prearrange?
Can I prearrange without paying?
Can I pay for my pre arrangement over time?
Can I transfer a prepaid funeral from another funeral Home?

Being Prepared

Many important events in our life are made with planning and forethought. From the time we are young we are taught to not make uninformed decisions. We are shown that an informed decision not only helps us feel good about that decision, but it eases our mind that the decision we have made is what was best for all concerned. When we have made a decision in haste, there are times we second guess that decision and wonder what if.


Prearranging a funeral for yourself or for a loved one is not an easy thing to do, time must be taken to make an educated decision. The pre-need counselors of the Vander Plaat Memorial Home will help you make that informed decision after taking the time to explain all of your options.


The state of New Jersey allows for two types of pre paid funerals, revocable and irrevocable. Prepaid revocable funeral arrangements must be refunded on demand, including principle and interest. Irrevocable prepaid funerals are only for those individuals who are prepaying in order to qualify for SSI, Medicaid, or General Assistance. Only those individuals trying to qualify may establish an irrevocable account. Irrevocable arrangements cannot, by law, be canceled or refunded. Pre paid funeral arrangement monies are placed in trust accounts that are administered by The State of New Jersey. These monies are pooled together to earn the best interest possible. Established in 1981 the New Jersey Prepaid Funeral Trust Fund (Choices) is a well managed trust that deposits 100% of your trusted money in an FDIC insured account so you can be sure it is safe. The money in the trust account stays in your name and is fully refundable, except in the case of SSI or Medicaid.


Should you need to apply for SSI or Medicaid at a later date we will prepare all the paper work to convert your revocable account to an irrevocable account.


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Prearranging - SSI and Medicaid

Prepaying funeral expenses allows you to select the funeral of your choice before assets are used up for medical care and before assets are reduced to SSI or Medicaid eligibility levels. Federal and State law allows funds deposited into a properly established irrevocable account to be excluded from the assets of the person for whom the prepaid funeral is for.


Who should prearrange?

Pre-planning a funeral can help ease the stress of making these important lasting decisions at the death of a loved one. Preplanning can also help ease the emotional burden put on your family in the future. Should you decide to set an appointment with one our prearrangement counselors, consider bring a family member or close friend with you. They can help with making the decisions and will understand what your wishes are.


Can I prearrange without paying?

Yes - Prearrange does not have to mean prepay. The prearrangement counselors of the Vander Plaat Memorial Home will meet with you, record all your wishes, and keep the information on hand. At any time these prearrangements can be funded and a New Jersey Prepaid Funeral Trust account opened.


Can I pay for my prearrangement over time?

Yes - You can open a New Jersey Prepaid Funeral Trust account with as little as five hundred dollars. We will help you design a payment plan that will work for you. Your money will receive all the benefits of a fully funded account - interest, security, etc.


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Can I transfer a prepaid funeral from another funeral Home to Vander Plaat Memorial Home?

Yes - If you have an irrevocable New Jersey Prepaid Funeral Trust Fund arrangement with another funeral home the account can be transferred with out any loss or penalty. Contact us, we will fill out all the paper work and have the funds transferred. If your prepaid funeral is in another state, or with some other type of trust account, please contact us and we will advise you of your options.


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113 South Farview Avenue, Paramus, NJ 07652 | Phone: (201) 843-3100