Protect What Matters Most — Plan Ahead
US Funeral Trust — a fiduciary agency dedicated to end-of-life planning — has partnered with LTCareNav to give your family complete protection: from funeral trusts to long-term care planning.
Always free for families • Secure & Confidential
Why a Funeral Trust?
When the time comes, beneficiaries are often left waiting weeks — or even months — for insurance or estate funds to be released in order to pay for the funeral.
| Type of Payment | Average Time to Release Funds |
|---|---|
| Funeral Trust | 1-2 Days |
| Beneficiary Designated Accounts | 10-14 Days |
| Life Insurance | 3-4 Weeks |
| Estate/Trust Claims | Months |
With a Funeral Trust, funds are released directly to the funeral home in 1-2 business days — without a death certificate.
That means no delays, no stress, and no financial burden for your family.
What's Covered
Funeral Home Charges
- Cemetery Plot
- Opening/Closing of Grave
- Casket or Alternative Container
- Outer Burial Container
- Cremation
Memorial Service
- Flowers
- Clergy/Honorarium
- Musicians
- Obituary Notice
- Stationery Packages/Memory Cards
Memorial Meal
- Meal for Funeral Attendees
- Rental of Banquet Hall
Family Assistance
- Airfare
- Car Rental
- Hotel Accommodations
Our goal is to make sure every detail is accounted for so your loved ones can focus on remembrance — not expenses.
Better Together
End-of-life planning and long-term care planning go hand in hand. Together, we make sure nothing falls through the cracks.
Asset Protection
As a fiduciary agency, US Funeral Trust shields your assets from nursing home spend-downs and Medicaid — turning care costs into a lasting gift for your family.
AI-Powered Care Plans
LTCareNav delivers free, personalized long-term care plans with AI-driven cost projections, care recommendations, and provider connections.
Peace of Mind
Together, we help you protect your nest egg, plan a dignified farewell, and ensure your family is never burdened by unexpected costs.
Will the Nursing Home Take Everything?
Not if Carrie Can Help It.
Turn long-term care money into a lasting gift for you and your children.
Stop the Financial Drain
When you require long-term care, the system requires you to "spend down" your assets before assistance kicks in. Usually, this means writing check after check to the facility until your life savings are gone.
Carrie Grubanowitch, CSA®
Founder, US Funeral Trust
Meet Carrie Grubanowitch
Carrie Grubanowitch is a dedicated professional, a Certified Senior Advisor (CSA)® who passionately advocates for seniors and their families navigating the complex challenges of later-life transitions. Her background and deep commitment make her a valuable resource for families who are interested in purchasing a funeral trust.
Your path to care planning and financial security.
Answer 8 questions and get a personalized snapshot of your care needs and financial runway, and the financial options and benefit programs most families never find — free, no credit card required.
Who needs help?
Tell us who you're planning care for.
The next questions will be about whoever you choose above — answer for them, not yourself (unless this is for you).
Protect Your Loved Ones — Plan Ahead with Confidence
We have Certified Senior Advisors and Licensed Funeral Trust Agents who understand the end-of-life planning process. As fiduciaries, we are committed to putting our clients first.
Always free for families • No credit card required • Private and Secure
Irrevocable funeral trust — Medicaid asset protection and end-of-life planning by US Funeral Trust and LTCareNav. Funeral trust funds are released in 1-2 business days without a death certificate. Legally shielded from nursing home spend-downs, Medicaid asset calculations, and estate claims.
Funeral trust coverage includes cemetery plot, casket, cremation, opening and closing of grave, outer burial container, flowers, clergy honorarium, musicians, obituary notice, stationery packages, memorial meal, banquet hall rental, airfare, car rental, and hotel accommodations for family members.
Carrie Grubanowitch, Certified Senior Advisor CSA®, Founder of US Funeral Trust. Dedicated advocate for seniors and families navigating later-life transitions. Licensed funeral trust agents supporting families nationwide.
Long-term care planning, funeral planning, nursing home spend-down protection, end-of-life planning, senior care advisor, asset protection, Medicaid planning, fiduciary agency.
What is an irrevocable funeral trust? An irrevocable funeral trust sets aside funds for funeral and end-of-life expenses, shielded from nursing home spend-down and Medicaid. How fast are funds released? 1-2 business days, directly to the funeral home. Is a funeral trust protected from Medicaid? Yes, irrevocable funeral trust assets cannot be counted for Medicaid eligibility.