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[quote=Anonymous][quote=Anonymous]I’ve been in your shoes with my Dad, OP. If I were you, I would talk to a good elder law attorney. Ask friends and neighbors for recommendations. [b]Make sure you have all the paperwork you need to take over and make decisions for your Mom if she is unable to handle things for herself - POA, living will, etc. If you aren’t already, get her to add you to her bank accounts, safe deposit box, etc. and have her name beneficiaries for insurance, retirement accounts, etc.[/b]

I would also [b]consider selling her home [/b]and renting an affordable senior apartment. You will need cash for her care. Having non-cash assets like real estate can complicate matters and make her ineligible for government assistance. Then, if she needs a nursing home, get her into a facility that accepts Medicaid. Usually she would need to pay out-of-pocket for a certain number of months before Medicaid would kick in. Keep in mind that you can prepay funeral expenses to help “spend down” her assets. Once all of her cash and assets are depleted, she would qualify for Medicaid.

Please consult an elder care specialist for advice long before you think she will need help.

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I know you mean well, but I just love how you (and not just you, but other pps) just assume that OPs mother is going to go along with this willingly.  If your parents did, that's really  great and I'm happy for you!   But so many elderly people refuse to give up control and insist that they are just fine and don't want their adult children "meddling in their business."
OP states she has other relatives that have done this and has concerns her mom might in her post at 5:58.[/quote]

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