You may want to look into an "ITF" account at her local bank. Set the money aside in an account with her name and social security #. (In case she ever needs some of it for other reasons she can access it.) "ITF" In Trust For the name of the funeral home taking care of her arrangements. This way, when she dies, the funeral home takes a copy of the death certificate to the bank, they pay the funeral expenses and any overages go back to the family. If you have $10,000.00 available that should be more than enough considering she already has a cemetery plot. You will be looking at the funeral home service charges for a traditional service with embalming,casket,viewing(calling hours),funeral,hearse and other livery(limos or flower car etc.) and some printed materials such as obit in the newspaper, prayer cards, thank you notes and register book. You will also be looking at the clergy / church offering and death certificate copies. The cemetery will require a grave opening fee and may also require a burial vault (the cement or steel box in the ground that the casket goes inside of) these are especially important if your cemetery digs with backhoes and heavy equipment as they hold the grave up. PM me if you need any info at all, you can "trust" me. Remember, enjoy your family, friends, health and your boat , as you are dead a long time...