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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I do think you owe her the assistance of navigating bureaucracy. I would start now. [/quote]

This. It is quite complicated, particularly for someone who is not in top form.

[/quote]
Absolutely this.
You will need to be the one to figure out what she may benefit for (social security disability? Medicare? Medicaid? Food stamps? Section 8 housing? Energy bill assistance? Senior housing?) and help her set it up. That is it.
We are in a similar situation with my inlaws and I will tell you the same thing I told him when he was getting frantic: the stats shows that only a very small percentage of people have any money saved, let alone saved for retirement. There is a huge and adequate (note use of the word adequate) level of service for people including Medicare and Medicaid and that is what they will have to use.

I work in that system and have buildings full of people getting 24/7 care for years through services and they get the same care as the people I drive across town to do private pay care. [/quote]

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