We are full time caregivers for my 88 yr. old Mother and can see a nursing facility in the future. We have discussed a pre-paid funeral with Mother but she does not seem to understand the process. She thinks her savings will cover any and all funeral expenses. We are afraid if a nursing home or worse yet a "major" hospital stay ever happens her savings will be wiped out and we will be left with the expenses of the funeral. As I am authorized to write checks on her acct. I felt the day she went into a nursing home or hospital I would pre-pay the funeral without her knowledge but feel somewhat guilty. What do you think?