My mother needs Medicaid but is not eligible by $1800 in cash. She is too poor to buy prepaid funeral trust etc but could spend down $1500 by placing money in burial fund. However, I understand that Medicaid will not exclude Paid Upon Death accounts. So if you create a bank account for burial purposes, do you have to omit naming a beneficiary to avoid being a POD or will you be forced to go to probate to get the money for the funeral? Or is this an exception to the POD rule?