Bank comment for wake expenses

On p. 46 of “How to Protect Your Family’s Assets from Devastating Nursing Home Costs” (Seventh Edition, 2013), Mr. Heiser states that “Up to $1,500 might be placed in a bank account…and if it is designated as a funeral fund, it will be released from countable assets.”

My mother-in-law (in Ohio) has checking and assets accounts (one each). If she wants her assets comment to be released as a funeral fund, does she need to give some specific instruction to her bank to “designate” it as such?



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